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	<title>Ardamis&#187; Thriftiness</title>
	<atom:link href="http://www.ardamis.com/category/thriftiness/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.ardamis.com</link>
	<description>Ardamis is a tiny web development studio specializing in high-quality, handmade web sites.</description>
	<lastBuildDate>Fri, 19 Mar 2010 14:53:04 +0000</lastBuildDate>
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		<title>How to create a bootable USB drive that can install any version of Windows 7</title>
		<link>http://www.ardamis.com/2010/02/13/bootable-windows-7-usb-drive/</link>
		<comments>http://www.ardamis.com/2010/02/13/bootable-windows-7-usb-drive/#comments</comments>
		<pubDate>Sun, 14 Feb 2010 04:40:49 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Hardware]]></category>
		<category><![CDATA[Microsoft]]></category>
		<category><![CDATA[Thriftiness]]></category>
		<category><![CDATA[downloads]]></category>
		<category><![CDATA[Windows 7]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/?p=466</guid>
		<description><![CDATA[A guide to creating a bootable USB drive that can be used to install any version of Windows 7, and a neat trick for extending the 30-day trial to 120 days.]]></description>
			<content:encoded><![CDATA[<p>This article explains how to obtain leaked, legitimate ISOs of Windows 7 (x86 and x64), and create a bootable USB drive that can install any version (though only Home Premium through Ultimate are recommended).  It wraps up with a neat trick to extend the 30-day pre-activation &#8216;evaluation period&#8217; to 120 days.  This article assumes that you intend to purchase your software eventually.  It does not tell you how to obtain a product activation key or circumvent activation.</p>
<h2>Step 1: Get the RTM Windows 7 release</h2>
<p>Windows 7 RTM is build version 6.1.7600.16385.  This version was released to Microsoft TechNet and MSDN subscribers in the summer of 2009 and quickly made its way onto BitTorrent.</p>
<h3>64-bit (x64) Windows 7 Ultimate RTM English Retail DVD ISO Image</h3>
<p><a href="http://torrents.thepiratebay.org/5021075/7600.16385.090713-1255_x64fre_client_en-us_Retail_Ultimate-GRMCU.5021075.TPB.torrent" rel="nofollow">http://torrents.thepiratebay.org/5021075/7600.16385.090713-1255_x64fre_client_en-us_Retail_Ultimate-GRMCU.5021075.TPB.torrent</a></p>
<p>File Name: 7600.16385.090713-1255_x64fre_client_en-us_Retail_Ultimate-GRMCULXFRER_EN_DVD.iso<br />
Size: 3224686592 bytes<br />
CRC: 1F1257CA<br />
MD5: F43D22E4FB07BF617D573ACD8785C028<br />
SHA-1: 326327CC2FF9F05379F5058C41BE6BC5E004BAA7</p>
<h3>32-bit (x86) Windows 7 Ultimate RTM English Retail DVD ISO Image</h3>
<p><a href="http://torrents.thepiratebay.org/5021073/7600.16385.090713-1255_x86fre_client_en-us_Retail_Ultimate-GRMCU.5021073.TPB.torrent" rel="nofollow">http://torrents.thepiratebay.org/5021073/7600.16385.090713-1255_x86fre_client_en-us_Retail_Ultimate-GRMCU.5021073.TPB.torrent</a></p>
<p>File Name: 7600.16385.090713-1255_x86fre_client_en-us_Retail_Ultimate-GRMCULFRER_EN_DVD.iso<br />
Size: 2501894144 bytes<br />
CRC: C1C20F76<br />
MD5: D0B8B407E8A3D4B75EE9C10147266B89<br />
SHA-1: 5395DC4B38F7BDB1E005FF414DEEDFDB16DBF610</p>
<p>Below are the <a href="http://technet.microsoft.com/en-us/subscriptions/downloads/default.aspx?pv=36:350">official SHA1 hashes of these releases</a> copied and pasted from technet.microsoft.com.  I&#8217;ve checked them against the actual files from the torrents and they match.</p>
<p>64-bit Windows 7 Ultimate<br />
File Name: en_windows_7_ultimate_x64_dvd_x15-65922.iso<br />
Date Published (UTC): 8/6/2009 9:59:56 AM Last Updated (UTC): 8/24/2009 8:59:33 AM<br />
SHA1: 326327CC2FF9F05379F5058C41BE6BC5E004BAA7 ISO/CRC: 1F1257CA</p>
<p>32-bit Windows 7 Ultimate<br />
File Name: en_windows_7_ultimate_x86_dvd_x15-65921.iso<br />
Date Published (UTC): 8/6/2009 9:59:56 AM Last Updated (UTC): 8/24/2009 8:59:33 AM<br />
SHA1: 5395DC4B38F7BDB1E005FF414DEEDFDB16DBF610 ISO/CRC: C1C20F76</p>
<p>More <a href="http://www.mydigitallife.info/2009/07/25/download-32-bit-64-bit-windows-7-rtm-build-7600-16385-original-untouched-msdntechnet-leaked-retail-dvd-iso/">links to torrents of build version 6.1.7600.16385</a> can be found at My Digital Life.</p>
<p>As a general rule, don&#8217;t download just any torrent that you come across, and do use a hash calculator (like <a href="http://slavasoft.com/hashcalc/index.htm">HashCalc</a>) to verify that the hash of the file you&#8217;ve downloaded matches that posted by a trusted source.  Download the file, calculate the hash, copy it, find a trustworthy web site that displays the hash, and then do a Find on that page for the hash you&#8217;ve copied.  If the hash you calculated matches the trusted one, you can trust the file is legit.</p>
<h2>Step 2: Prepare the USB drive</h2>
<p>You&#8217;ll need a 4 GB flash drive to hold the installation files.  Microsoft offers a neat little program that will extract the ISO to a USB drive and make it bootable.  It can also burn the ISO to a DVD.  Download the <a href="http://store.microsoft.com/Help/ISO-Tool">Windows 7 USB/DVD Download Tool</a>.</p>
<p>If you&#8217;re currently using a 32-bit version of Windows and want to create a bootable USB drive containing the 64-bit (x64) version of Windows 7, you&#8217;ll need to obtain the bootsect.exe file from the 32-bit (x86) version of Windows 7.  </p>
<p>If you want to get this file yourself, first download the 32-bit ISO.  You can use any number of applications to open the ISO, but I recommend <a href="http://www.7-zip.org/">7-Zip</a> because it&#8217;s a great free alternative to WinZip.  Open the ISO and then copy the /boot/bootsect.exe file into the same folder as the Windows7-USB-DVD-Download-Tool.exe (e.g. %USERNAME%\AppData\Local\Apps\Windows 7 USB DVD Download Tool).</p>
<p>If that&#8217;s too much work, you can <a href="http://www.google.com/search?q=32-Bit+Windows+7+Bootsect.exe">Google 32-Bit Windows 7 Bootsect.exe</a> and take your chances.</p>
<p>Run the tool (%USERNAME%\AppData\Local\Apps\Windows 7 USB DVD Download Tool\Windows7-USB-DVD-Download-Tool.exe) and follow the prompts.  After Windows 7 has been loaded on the USB drive, you will be able to boot from it and install Windows 7 Ultimate.  (You may have to change the boot order in the BIOS to boot from USB Storage Device.)</p>
<h2>Step 3: Configure the installer</h2>
<p>What if you want to install something other than Ultimate?</p>
<p>Both the 32-bit and 64-bit ISOs contain all the different versions of Windows.  The version you actually install is determined by a tiny text file named <em>ei.cfg</em> in the /sources/ directory of the install media.  If you want to install a different version of Windows, you just need to browse the USB drive and open the /sources/ directory.  Open the ei.cfg file in Notepad and change the EditionID to whatever version you wish to install.  The contents of the file will look like this:</p>
<pre><code>
[EditionID]
Ultimate
[Channel]
Retail
[VL]
0
</code></pre>
<p>The options for the EditionID are:</p>
<p>Starter<br />
HomeBasic<br />
HomePremium<br />
Professional<br />
Ultimate</p>
<p>In the alternative, if you delete ei.cfg, you&#8217;ll be asked to choose which version of Windows to install during the installation process, which is probably much more useful.</p>
<p>For more information and links to some software that will modify the ISO for you, see <a href="http://www.mydigitallife.info/2009/07/23/how-to-select-any-edition-or-version-sku-of-windows-7-to-install-from-single-edition-dvd-disc-media-or-iso/">How to Select Any Edition or Version (SKU) of Windows 7 to Install From Single Edition DVD Disc Media or ISO</a>.</p>
<p>I would strongly recommend installing the version that you intend to purchase, as you cannot enter a Home Premium product activation key on a system running Ultimate.  You&#8217;d have to do a clean install of the version that matches the key you bought.</p>
<h2>Step 4: Extend your pre-activation trial for 120 days</h2>
<p>Microsoft allows anyone to install and use any version of Windows 7 for 30 days without having to enter a product activation key.  This 30-day trial period can be extended three times for a total of 120 days before the installation must be activated to continue functioning.  This extension is done using a Microsoft utility called the Software License Manager (slmgr) that ships with Windows. </p>
<p>If you haven&#8217;t entered a product activation key, you can click Start, then right-click Computer and choose Properties to see how many days are left before activation is required.  When that number approaches 0, click Start | All Programs | Accessories. Right-click Command Prompt and choose Run As Administrator. Enter your administrator password, if asked.</p>
<p>Type the following command and press Enter:</p>
<p><strong>slmgr -rearm</strong></p>
<p>Be sure to include the space after slmgr and the hyphen in front of rearm.</p>
<p>Restart Windows 7.</p>
<h2>In Summary</h2>
<p>The last days of Windows 7 RC are approaching, and I&#8217;m probably going to end up buying Home Premium.  Professional would be my first choice, but it&#8217;s probably not really necessary.  However, after using Ultimate for so long, I want to know that I&#8217;ll be able to get by with a reduced feature set, so I definitely want to test-drive Professional and then Home Premium before I buy.</p>
]]></content:encoded>
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		<title>Madsen Cycles &#8211; Weekly Give-Away</title>
		<link>http://www.ardamis.com/2009/09/12/madsen-cycles/</link>
		<comments>http://www.ardamis.com/2009/09/12/madsen-cycles/#comments</comments>
		<pubDate>Sun, 13 Sep 2009 02:14:05 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Nonsense]]></category>
		<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/?p=368</guid>
		<description><![CDATA[A Madsen bicycle is sort of like a pedal-powered El Camino: odd, but undeniably useful-looking.]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.madsencycles.com/?src=lcs09"><img src="http://www.madsencycles.com/images/banners/MADSEN-300x250-mom-1-kid.gif" border="0" alt="Madsen Cycles Cargo Bikes" /></a></p>
<p>A Madsen bicycle is sort of like a pedal-powered El Camino.  It&#8217;s undeniably useful-looking.</p>
<p>They&#8217;re running a weekly bike give-away right now, so swing by their site and help them promote their kid-, shopping-, fill-dirt-, garage-sale-treasure-hauling bicycles.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Online Banking Spin-off Site</title>
		<link>http://www.ardamis.com/2006/07/27/online-banking-spin-off-site/</link>
		<comments>http://www.ardamis.com/2006/07/27/online-banking-spin-off-site/#comments</comments>
		<pubDate>Thu, 27 Jul 2006 19:23:39 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Nonsense]]></category>
		<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2006/07/27/online-banking-spin-off-site/</guid>
		<description><![CDATA[Well, I&#8217;ve decided to start a totally new site for all the online banking content.  I was never comfortable with the fact that the web design stuff that I consider to be a hobby had to coexist along side the crass commercialism.  So I bought the domain www.onlinebankdeals.com.  The idea is to [...]]]></description>
			<content:encoded><![CDATA[<p>Well, I&#8217;ve decided to start a totally new site for all the online banking content.  I was never comfortable with the fact that the web design stuff that I consider to be a hobby had to coexist along side the crass commercialism.  So I bought the domain <a href="http://www.onlinebankdeals.com/">www.onlinebankdeals.com</a>.  The idea is to keep ardamis.com pretty free of ads and nonsense posts and return the focus to xhtml and web standards, and then expand on the VirtualBank and ING Direct referral stuff elsewhere.</p>
<p>I&#8217;m optimistic that the revenue from the virtualbanking stuff at <a href="http://www.onlinebankdeals.com/">www.onlinebankdeals.com</a> will more than pay for both sites.</p>
]]></content:encoded>
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		<title>Virtualbanking Reviews and Comparisons</title>
		<link>http://www.ardamis.com/2006/07/02/virtualbanking/</link>
		<comments>http://www.ardamis.com/2006/07/02/virtualbanking/#comments</comments>
		<pubDate>Sun, 02 Jul 2006 06:20:25 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2006/07/02/ing-direct-vs-virtualbank/</guid>
		<description><![CDATA[Virtualbanking offers a number of benefits over traditional banks.  The most evident of these benefits is the typically higher rate of return on investments, and the lower interest rates on loans.  Virtualbanking is done entirely over the internet, as online banks have very few (as in the case of ING) or no (as [...]]]></description>
			<content:encoded><![CDATA[<p>Virtualbanking offers a number of benefits over traditional banks.  The most evident of these benefits is the typically higher rate of return on investments, and the lower interest rates on loans.  Virtualbanking is done entirely over the internet, as online banks have very few (as in the case of ING) or no (as in the case of VirtualBank) branches.  This lack of payroll, property taxes, health insurance, building maintenance, etc., allows the banks to profit on smaller interest rate spreads than traditional banks.</p>
<p>Two of the best-known online banks, ING Direct and VirtualBank, have recently raised the rates on their savings accounts.  As of June 30, 2006, ING Direct&#8217;s Orange Savings has an APY of 4.35% for all amounts on deposit.  VirtualBank&#8217;s eMoney Market has an APY of 4.60% on deposits up to $50,000.00; an APY of 4.86% for deposits between $50,000.00 and $99,999.99; and an APY of 5.13% on deposits of $100,000.00 or more.</p>
<p>These would be pretty respectable rates of return for 1-year CDs, but with these online accounts, your money is always available with no withdrawal penalties.</p>
<p>Both online bank accounts work much the same way.  You &#8216;connect&#8217; your online account to one or more checking accounts at a traditional bank, and transfer money between the online bank account and your checking account through the online bank&#8217;s web site.  You can also deposit money into the online bank account via your employer using direct deposit&#8212;forms are available on each bank&#8217;s web site.</p>
<p>Both ING Direct and VirtualBank offer a referral program, one of the other benefits of virtualbanking.  When a first-time customer opens a new account using a referral, he or she receives a bonus of $20&#8211;$25 (depending on the bank) which is deposited into the account.  He or she can then send out referral emails to friends, and when one of the friends opens an account, they both receive a bonus.  It&#8217;s a great way to build up your balance.</p>
<p>Take advantage of the relative newness of virtualbanking, while the banks are still aggressively pursuing new customers.</p>
<p>And of course nothing is keeping you from joining both of these banks and receiving both referral bonuses, then sending out referral invitations from both banks, and keeping your money in whichever is offering the better rate.</p>
<p>Here&#8217;s a brief comparison of the main points of each virtualbanking product:</p>
<table class="posttable" cellpadding="0" cellspacing="0">
<tr>
<td>&nbsp;</td>
<td><strong>ING Direct Orange Savings</strong></td>
<td><strong>VirtualBank eMoney Market</strong></td>
</tr>
<tr>
<td>FDIC insured?</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Monthly/annual fees?</td>
<td>None</td>
<td>None</td>
</tr>
<tr>
<td>Free electronic transfers?</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Minimum balance</td>
<td>None</td>
<td>None</td>
</tr>
<tr>
<td>Minimum <i>opening</i> deposit to qualify for referral bonus</td>
<td>$250</td>
<td>$100</td>
</tr>
<tr>
<td>Initial new account sign-up bonus</td>
<td>$25</td>
<td>$20</td>
</tr>
<tr>
<td>Existing member&#8217;s bonus for each person they refer</td>
<td>$10 (max of $250)</td>
<td>$20 (max of $1000)</td>
</tr>
<tr>
<td>Current APY</td>
<td>4.35%</td>
<td>4.60%</td>
</tr>
<tr>
<td>Where can I get a referral?</td>
<td><a href="http://www.onlinebankdeals.com/ingdirectreferral/">ING Direct referral</a></td>
<td><a href="http://www.onlinebankdeals.com/virtualbankreferral/">VirtualBank referral</a></td>
</tr>
</table>
]]></content:encoded>
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		<item>
		<title>GoDaddy Promotion Codes</title>
		<link>http://www.ardamis.com/2006/07/01/godaddy-promotion-codes/</link>
		<comments>http://www.ardamis.com/2006/07/01/godaddy-promotion-codes/#comments</comments>
		<pubDate>Sat, 01 Jul 2006 08:10:24 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2005/08/19/godaddy-promotion-codes/</guid>
		<description><![CDATA[These Godaddy promotion / coupon codes were confirmed valid as of June 30, 2006. I&#8217;ve heard that some of the promotion codes expire, but every code that I&#8217;ve found online worked.  The TODD code has been working for nearly a year now.
Save 10% on GoDaddy domains and hosting

david = $1
usa6 = $1
candy = $1
todd [...]]]></description>
			<content:encoded><![CDATA[<p>These Godaddy promotion / coupon codes were confirmed valid as of June 30, 2006. I&#8217;ve heard that some of the promotion codes expire, but every code that I&#8217;ve found online worked.  The TODD code has been working for nearly a year now.</p>
<h3>Save 10% on GoDaddy domains and hosting</h3>
<ul>
<li>david = $1</li>
<li>usa6 = $1</li>
<li>candy = $1</li>
<li>todd = 10%</li>
<li>gdbb730 = 10%</li>
<li>gdbb85710 = 10%>/li>
</ul>
<p>I remember reading about a 30% off promotion code, but wasn&#8217;t able to find it.</p>
<h3>Earn 20% commission through the affiliate program</h3>
<p>What&#8217;s more, they have a pretty impressive referral program through CommissionJunction.  If you use this link at the right to register a domain or buy a hosting plan, I get a 20% cut of whatever it is you buy.  If you&#8217;re going to use that Godaddy promotion code anyway, why not use the link here so we both come out on top?</p>
<p>I&#8217;ve been using GoDaddy as my registrar and hosting provider for some time now, and I have had only positive experiences with their technical support.  I&#8217;ve recommended them to a number of friends, and they have all had similarly positive experiences with GoDaddy.</p>
<p>For example, few months ago a CSR called me, offering me a discount if I renewed my domain registrations.  I intended to let them continue to automatically renew anyway, but hey, I&#8217;ll take a discount for doing so.</p>
<p>GoDaddy is good stuff.  They&#8217;re inexpensive, the customer service is outstanding, and the domain registration and hosting products are excellent.</p>
]]></content:encoded>
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		<title>ING Direct Bonus Now Requires $250 Deposit</title>
		<link>http://www.ardamis.com/2005/11/02/ing-direct-bonus-now-requires-250-deposit/</link>
		<comments>http://www.ardamis.com/2005/11/02/ing-direct-bonus-now-requires-250-deposit/#comments</comments>
		<pubDate>Wed, 02 Nov 2005 07:34:30 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2005/11/02/ing-direct-bonus-now-requires-250-deposit/</guid>
		<description><![CDATA[Welp, ING Direct changed its referral program, and it now requires an opening deposit of $250 to qualify for the $25 bonus.  You can still open an account for $0.01, but it just isn&#8217;t the same without that $25 kicker.

The news does make the VirtualBank referral program look even better, though.  VirtualBank still [...]]]></description>
			<content:encoded><![CDATA[<p>Welp, ING Direct changed its referral program, and it now requires an opening deposit of $250 to qualify for the $25 bonus.  You can still open an account for $0.01, but it just isn&#8217;t the same without that $25 kicker.</p>
<div class="alignleft"><script type="text/javascript" src="http://www.jdoqocy.com/placeholder-510859"></script></div>
<p>The news does make the <a href="http://www.onlinebankdeals.com/virtualbankreferral/">VirtualBank referral</a> program look even better, though.  VirtualBank still offers its $20 referral bonus on new accounts with only a $100 opening deposit.  If you are trying to play the referral game, ING Direct may no longer be the first choice.</p>
<p>The only real disadvantage to the VirtualBank referral program is that it appears that you use one of your allotted referrals each time you send an email.  If the person you&#8217;ve referred doesn&#8217;t open the account, you&#8217;re screwed.  With the <a href="http://www.onlinebankdeals.com/ingdirectreferral/">ING Direct referral</a> program, unused referrals don&#8217;t cost against you.</p>
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		<title>Virtual Bank Referral</title>
		<link>http://www.ardamis.com/2005/10/27/virtualbank-referral/</link>
		<comments>http://www.ardamis.com/2005/10/27/virtualbank-referral/#comments</comments>
		<pubDate>Thu, 27 Oct 2005 21:06:28 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Thriftiness]]></category>
		<category><![CDATA[Web Site Dev]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2005/10/27/virtualbank-referrals/</guid>
		<description><![CDATA[I&#8217;m playing around with some SEO stuff, focusing on my page about the Virtual Bank Referral Program.  So far, not so good.  The damn thing won&#8217;t get indexed by Google.  I dunno what&#8217;s up with that.
The funny thing is, most of the sites concerning Virtual Bank are horribly written, from an SEO [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m playing around with some SEO stuff, focusing on my page about the <a href="http://www.onlinebankdeals.com/virtualbankreferral/">Virtual Bank Referral Program</a>.  So far, not so good.  The damn thing won&#8217;t get indexed by Google.  I dunno what&#8217;s up with that.</p>
<p>The funny thing is, most of the sites concerning Virtual Bank are horribly written, from an SEO point of view.  I&#8217;m missing the logic here, I guess.</p>
<p>Maybe this Technorati tag can help? <a href="http://technorati.com/tag/virtualbank" rel="tag">virtualbank</a></p>
]]></content:encoded>
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		<title>ING Direct Orange Savings</title>
		<link>http://www.ardamis.com/2005/08/18/ing-direct-orange-savings/</link>
		<comments>http://www.ardamis.com/2005/08/18/ing-direct-orange-savings/#comments</comments>
		<pubDate>Thu, 18 Aug 2005 18:30:10 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2005/08/18/ing-direct-orange-savings/</guid>
		<description><![CDATA[4.35% APY with no minimum balance
More free money. Following up on my post about the excellent VirtualBank eMoney Market account, ING Direct is offering an APY of 4.35% (effective 7/31/06) on its Orange Savings account. This account offers a $25 bonus for opening a new account through a referral. Send an email to vbreferral@gmail.com for [...]]]></description>
			<content:encoded><![CDATA[<h6>4.35% APY with no minimum balance</h6>
<p>More free money. Following up on my post about the excellent <a href="http://www.ardamis.com/2005/08/03/virtualbank-emoney-market/">VirtualBank eMoney Market</a> account, ING Direct is offering an APY of 4.35% (effective 7/31/06) on its Orange Savings account. This account offers a $25 bonus for opening a new account through a referral. Send an email to <a href="mailto:vbreferral@gmail.com">vbreferral@gmail.com</a> for a referral. Subsequent referrals aren&#8217;t quite as lucrative as VirtualBank&#8217;s, with your account being credited only $10 per successful referral.</p>
<p>The ING Direct Orange Savings account has no minimum balance and no fees. Only residents of the United States are eligible to open an account, however.</p>
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			<wfw:commentRss>http://www.ardamis.com/2005/08/18/ing-direct-orange-savings/feed/</wfw:commentRss>
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		<title>VirtualBank eMoney Market</title>
		<link>http://www.ardamis.com/2005/08/03/virtualbank-emoney-market/</link>
		<comments>http://www.ardamis.com/2005/08/03/virtualbank-emoney-market/#comments</comments>
		<pubDate>Wed, 03 Aug 2005 17:57:55 +0000</pubDate>
		<dc:creator>ardamis</dc:creator>
				<category><![CDATA[Thriftiness]]></category>

		<guid isPermaLink="false">http://www.ardamis.com/2005/08/03/virtualbank-emoney-market/</guid>
		<description><![CDATA[APY of 4.60% and a $20 referral bonus
Woot, free money. I just opened a savings account at VirtualBank, a division of Lydian Private Bank (member FDIC). The current yield on their eMoney Market account is an impressive 4.60%.
BankOne&#8217;s Money Market account, for comparison&#8217;s sake, has a yield of 0.90%, and that&#8217;s with a minimum balance [...]]]></description>
			<content:encoded><![CDATA[<h6>APY of 4.60% and a $20 referral bonus</h6>
<p>Woot, free money. I just opened a savings account at VirtualBank, a division of Lydian Private Bank (member FDIC). The current yield on their eMoney Market account is an impressive 4.60%.</p>
<p>BankOne&#8217;s Money Market account, for comparison&#8217;s sake, has a yield of 0.90%, and that&#8217;s with a minimum balance of $2,000. Its highest rate, 1.34%, requires a minimum balance of $50,000. (This begs the question: who would be satisfied with only 1.34% on $50,000?)</p>
<p>But even more good thriftiness awaits. VirtualBank is also offering a <a href="http://www.ardamis.com/virtualbank/">referral program</a>. By clicking the link below and opening an account (minimum opening balance of $100), you&#8217;ll get an extra $20 deposited in that account. You will then be able to refer up to 30 more people, for which you will get another $20 for each successful referral. Plus, each of <i>those</i> people will get the free $20 for opening the account.</p>
<p>Send your name and email address to <a href="mailto:vbreferral@gmail.com">vbreferral@gmail.com</a> and I&#8217;ll send you an invitation email.</p>
<p>This account has no monthly fees and transfers to and from your local bank&#8217;s personal checking account are free.</p>
<p>The small print: This offer of a referral bonus is on a first-come first-served basis. There is a limited number of referrals (50). I make no guarantee that there will be any accounts available or that by using this referral you will receive $20 upon opening your account.</p>
<p>More information at <a href="http://www.onlinebankdeals.com/virtualbankreferral/">http://www.onlinebankdeals.com/virtualbankreferral/</a>.</p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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