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Best Savings Accounts for 2014
Published on - July 1st, 2011 (Modified on - March 4th, 2014) (by J.D. Roth) J.D. first posted this online savings account article back in March 2007, when interest rates were well over 1 percent. Since then, of course, interest rates at online banks have run under or just at 1 percent, making it hard for savers to make headway on their goals.
Our sister site, MoneyRates.com, does a quarterly analysis of savings rates, called America's Best Rates, which shows the highest interest rates offered during the previous quarter. The rates offered by brick-and-mortar banks have tended to fall into the 0.50 percent range, while online banks have been nudging toward 1 percent. The trend for both kinds of institutions is encouraging, though, as rates are slowly improving.
For many diligent savers, the news that ING Direct was acquired by Capital One was discouraging. ING Direct became Capital One 360 on February 1, 2012.
If you've found a savings account that is paying a good rate, let us know in the comments. The online savings account article is updated daily with the latest savings account interest rates.
All of these accounts are FDIC insured. (You can check whether an online savings account is FDIC insured at the official FDIC institution directory.) All rates current as of dates indicated below.
- Barclays is offering a 0.90% APY for its online savings account. There are no monthly fees or minimums either. They also offer some attractive CD Rates. Rates as of March 4, 2014.
- Ally Bank currently offers a 0.87% APY online savings account with no minimums. Rates as of March 4, 2014.
- Incredible Bank is offering 0.95% APY on their money market account for balances between $0 – $249,999.99. Rates as of March 4, 2014.
- SFGI Direct offers a 1.01% APY savings account with a $500 minimum to open but only a $1 ongoing minimum balance to earn interest. The SFGI Direct savings account can only link to one external account. Rates as of March 4, 2014.
- Discover Bank has a 0.85% APY online savings account with a $500 minimum to open. Rates as of March 4, 2014.
- CNB Bank Direct pays 0.41% APY on its high- yield savings account with a $1 minimum balance. Rates as of March 4, 2014.
- CIT has a savings account which offers a 0.90% APY for all deposits between $100-$24,999 and 0.95% on any deposit of $25,000 or above. CIT was founded in 1908 in St. Louis by Henry Ittleson with a mission to provide financing for businesses. Throughout the 20th century, CIT continued to grow, offering financing, lending and insurance for corporations in all sectors. CIT Bank, an FDIC-insured institution, serves consumers and small businesses with certificates of deposit, savings accounts and custodial accounts. Rates as of March 4, 2014.
- Capital One 360 is paying 0.75% APY with no minimums. Capital One 360 is the old ING which was the darling of the personal-finance blogosphere. I use them too. Rates as of March 4, 2014.
- Everbank offers high-yield checking, savings and money market accounts with a variety of APYs, including six-month bonus rates of 1.10% offered to first time Yield Pledge Checking and Money Market Account holders who maintain a specified balance. The details are too complicated for this post, and there's a $1500 minimum deposit to open. Click through to learn more. Rates as of March 4, 2014.
- Sallie Mae Bank has a 0.80% APY high-yield savings account with an added twist: If you use Upromise, the Sallie Mae savings account gives you a 10% rewards match. Read more here. Rates as of March 4, 2014.
- GRS reader favorite SmartyPig is paying 1.00% APY on the first $50,000 in an account (and currently 1.00% APY on balances over that). SmartyPig is a goal-oriented savings account that many folks love. Rates as of March 4, 2014.
- Nationwide Bank is paying 0.66% APY with a $1,000 minimum opening balance on their Money Market Account. Rates as of March 4, 2014.
- OneWest Bank has a Green Savings account that currently pays 0.40% APY for balances up to $49,999. Rates as of March 4, 2014.
- Zions Bank has long had some of the top savings account APYs in the country, and their non relationship Internet Savings Account is at 0.45% APY right now. To qualify for this rate, your balance must be over $1,000. In addition you may be eligible for a higher APY if you meet the relationship qualifications. Rates as of March 4, 2014. Rates located in New York.
- iGOBanking is providing a 0.25% APY with no fees and no minimums. Rates as of March 4, 2014.
- Dollar Savings Direct has an APY of 0.55% with no fees and a $1,000 minimum balance. Rates as of March 4, 2014.
- FNBO Direct has an 0.85% APY online savings account with a $1 minimum deposit. Rates as of March 4, 2014.
- Capital One has a Smart Savings account that pays up to 0.85% APY* on balances over $0.01. Open the account with as little as $25. Rates as of March 4, 2014. Rate collected within: 10025 (NY).
- The HSBC Advance Online Savings Account currently provides an 0.01% APY for balances up to $9,999.99. There are no monthly maintenance fees, though you do need a buck to open the account. Rates as of March 4, 2014.
- Emigrant Direct offers 0.50% APY with no fees and no minimums. Rates as of March 4, 2014.
- Lending Club is an alternative to investing your money in a bank. Lending club is a peer to peer lending service. You can invest in people who are requesting personal loans through lending club, and they offer a 5.35% – 9.40% return on your investment for Grades A to C. Rates as of March 4, 2014.
So, how do you choose the best savings account when interest rates are at all-time lows? Which is the best online savings account for 2013? Did I miss your favorite? Share your savings strategy in the comments below.
Institution | Type | Rate | APY | Min. To Earn APY | Details |
Ultima Bank Rates as of Feb. 26th | Savings | 2.00% | 2.02% | $0 | SMART Savings Account - for young adults 18 yrs or younger, withdrawals prior to 18th birthday may result in a penalty |
Washington Savings Bank Rates as of Mar. 5th | Savings | 1.50% | 1.51% | $0 | Saver Rewards - Tier $0-$15,000 - online accounts only - requires an Interest Rewards Checking account - Meeting the qualifications for an Interest Rewards Checking account qualifies Saver Rewards for a higher interest rate - Limited to MA and NH market area |
Dollar Bank Federal Savings Bank Rates as of Mar. 5th | Savings | 1.05% | $0 | FreeMONEYSavings - Rate for balances below $20,000 - must maintain Dollar Bank FreeMONEY Checking or e-Checking to earn rate. Open online and mail in forms. Available in Pennsylvania, and Ohio market area. Rate collected within: 15222 (PA) | |
Bank2 Rates as of Mar. 5th | Savings | 1.01% | $0 | Great Rate Savings - Tier Up to $35,000 - Account must be linked to Great Rate Checking Account - Available only to Oklahoma residents | |
SFGI Direct Rates as of Feb. 26th | Savings | 1.01% | $1 | ||
Biscayne Bank Rates as of Mar. 5th | Savings | 1.00% | $1 | Regular Savings - Maintain $1,000 balance each day and avoid a $25 monthly maintenance fee - Miami-Dade County, Florida market area only | |
Salem Five Direct Rates as of Feb. 26th | Savings | 1.00% | $0 | eOne Savings - APY on balances of $0.01-$500,000. Companion account to eOne Checking, no minimum balance, no monthly fees, free ATM card, Online applicants only, who do not have existing deposit accounts with Salem Five | |
SmartyPig Rates as of Feb. 26th | Savings | 1.00% | $0 | APY for balances up to $50,000 | |
First Trade Union Bank Rates as of Mar. 5th | Savings | 1.00% | 1.00% | $2,500 | FT High-Yield Savings - APY for balances $2,500 and above - apply online |
CIT Bank Rates as of Mar. 5th | Savings | 0.95% | $25,000 | CIT Savings - APY for balances $25,000 and above - apply online | |
Doral Bank Rates as of Mar. 5th | Savings | 0.94% | 0.94% | $1 | Statement Savings - Rate collected within: NY |
Doral Bank Rates as of Mar. 5th | MMA | 0.94% | 0.94% | $5,000 | Current Promotion - Money Market Account - Account must be opened in person at one of the New York branches - New money only - Limited time offer - Rate collected within: NY |
Sallie Mae Bank Rates as of Feb. 26th | MMA | 0.90% | $0 | Nationwide - apply online | |
GE Capital Bank Rates as of Mar. 5th | Savings | 0.90% | 0.90% | $1 | Online Savings - APY for balances between $1 to $1,000,000 |
The Palladian Private Bank Rates as of Feb. 26th | Savings | 0.90% | 0.90% | $10,000 | Savings Account |
CIT Bank Rates as of Mar. 5th | Savings | 0.90% | $100 | CIT Savings - APY for daily balances below $25,000 - apply online | |
Barclays Rates as of Mar. 5th | Savings | 0.90% | $0 | Online Savings - APY for all balances | |
Union Federal Savings Bank Rates as of Feb. 26th | MMA | 0.90% | $1 | Online Money Market Account | |
Ally Bank Rates as of Mar. 5th | Savings | 0.87% | 0.87% | $0 | Online Savings - Free online transactions, no monthly fees, no minimums - Apply online |
FNBO Direct Rates as of Mar. 5th | Savings | 0.85% | 0.85% | $0 | Online Savings Act - Rated Kiplinger's Best Online Savings Account, no minimums, no monthly fees, manage accounts securely online |
Mutual of Omaha Bank Rates as of Mar. 5th | MMA | 0.85% | 0.85% | $5,000 | Online Money Market - Rate/APY for balances between $5,000-$500,000 |
Discover Bank Rates as of Mar. 5th | Savings | 0.85% | 0.85% | $0 | Online Savings Account - Account can only be held in individual or joint ownership - Up to 6 preauthorized transfers from your Online Savings Account per statement cycle |
Colorado Federal Savings Bank Rates as of Mar. 5th | Savings | 0.85% | 0.85% | $2,500 | Online Savings Account - up to 6 withdrawal transactions per month with no service fee |
Ally Bank Rates as of Mar. 5th | MMA | 0.85% | 0.85% | $0 | Money Market Savings Account - All balances - No monthly fees - Apply online |
EH National Bank Rates as of Mar. 5th | MMA | 0.83% | 0.83% | $250,000 | Premium Money Market - tier $250,000 and over |
American Express Rates as of Mar. 5th | Savings | 0.80% | $0 | High-Yield Savings - Bank by phone or online only. | |
First Internet Bank Rates as of Mar. 5th | MMA | 0.80% | $0 | Money Market Savings - Rate earned on balances up to $99,999.99 - transaction limitations - apply online | |
AmTrust Direct Rates as of Mar. 5th | MMA | 0.80% | 0.80% | $5,000 | Earn More Money Market Account - Rate earned on balances of $5,000.00 and up-new money only. |
MyBankingDirect Rates as of Mar. 5th | MMA | 0.80% | 0.80% | $5,000 | Earn More Money Market Account - Rate earned on balances of $5,000.00 and up-new money only. |
ableBanking Rates as of Mar. 5th | MMA | 0.80% | $0 | Money Market Savings - up to 6 withdrawals are permitted per month - apply online - a division of Northeast Bank based in Maine | |
Discover Bank Rates as of Mar. 5th | MMA | 0.80% | 0.80% | $100,000 | Money Market Tier $100,000 and up |
Sallie Mae Bank Rates as of Feb. 26th | Savings | 0.80% | $0 | Nationwide - apply online | |
Bank of Internet Rates as of Mar. 5th | MMA | 0.75% | 0.75% | $1 | Money Market Savings Account |
Capital One 360 Rates as of Mar. 5th | Savings | 0.75% | $0 | 360 Savings Account - No fees - No minimum balance - Online account | |
Workers' Credit Union Rates as of Mar. 5th | Savings | 0.75% | 0.75% | $50 | cuSave - Online Savings - Membership is limited to residents of Massachusetts or New Hampshire or those who work for a company that is based in Massachusetts |
Century Bank Direct Rates as of Mar. 5th | MMA | 0.74% | $0 | Online MM Rate - apply online | |
Discover Bank Rates as of Mar. 5th | MMA | 0.70% | 0.70% | $50,000 | Money Market Tier $50,000-$99,999 |
Discover Bank Rates as of Mar. 5th | MMA | 0.70% | 0.70% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 minimum balance fee if average balance is below $2,500 |
Customers Bank Rates as of Mar. 5th | MMA | 0.70% | $10,000 | Apply online - Limited to Pennsylvania, New Jersey and New York market area | |
Discover Bank Rates as of Mar. 5th | MMA | 0.70% | 0.70% | $5,000 | Money Market Tier $5,000 - $9,999 - $10 minimum balance fee if average balance is below $2,500 |
Discover Bank Rates as of Mar. 5th | MMA | 0.70% | 0.70% | $2,500 | Money Market Tier $2,500 - $4,999 - $10 minimum balance fee if average balance is below $2,500 |
Chesapeake Bank Rates as of Mar. 5th | Savings | 0.70% | 0.70% | $1 | Clear Sky Savings - Tier $1 - $249,999 |
Heartland Bank Direct Rates as of Mar. 5th | Savings | 0.70% | $1 | Performance Savings | |
Discover Bank Rates as of Mar. 5th | MMA | 0.70% | 0.70% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 minimum balance fee if average balance is below $2,500 |
Geddes Federal Savings and Loan Association Rates as of Mar. 5th | MMA | 0.70% | 0.70% | $50,000 | Central New York market area only |
Century Bank Direct Rates as of Mar. 5th | Savings | 0.69% | $0 | Online Savings Rates - apply online | |
Virtual Bank Rates as of Feb. 26th | MMA | 0.68% | 0.68% | $25,000 | eMoney Market online account |
Nationwide Bank Rates as of Mar. 5th | MMA | 0.66% | $100,000 | Tiered Money Market - tier $100,000 - apply online | |
Nationwide Bank Rates as of Mar. 5th | MMA | 0.66% | $1,000 | Tiered Money Market - tier $1,000 - $9,999.99 - apply online | |
Nationwide Bank Rates as of Mar. 5th | MMA | 0.66% | $0 | Tiered Money Market - APY for balances between $0-$999.99 |
Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
This article is about Ask the Readers, Savings
Forget savings accounts – these rates don't hold a candle to the rates you can get at rewards checking accounts. I'm getting almost 3% at an online bank just for using my debit card and getting direct deposit.
Now, with the upcoming reduction in fees, that might change, but for the time being, you can get far higher rates for your first $10-25K in savings with rewards checking.
Ryan – no fair bragging about the interest you are getting if you don't name the bank…share the wealth!!
I got a few letter from the local credit unions along the same line. 3% for 3 months, but you'll have to use the debit card at least 12 times a month. This is too much trouble for me because we rarely use the debit card. Just call around your local banks, you should be able to find reward checking accounts that pay good interest.
The bank I signed up with is, unfortunately, no longer accepting out-of-state signups via internet. However, there's a general program called Kasasa that will direct you to available banks in your area. Check out their website for banks and credit unions.
I looked up the Kasasa website and found a few banks in the Houston area that were providers. I bank with Amegy and get 1.50% with my rewards checking. They're competitive with the local Kasasa providers. 10 transactions, direct deposit, online statements, log in once a month.
It's a pretty good deal, beats CDs. I'm hoping the money that the government supplied, which found their way into the stock markets, start finding their way into main street!
I've had my savings at ING for nearly 10 years. When I opened the account, the rate was over 6% – oh, the good ole days. The thought of moving is not appealing (I didn't realize they'd been bought out, which really bums me out). Like @strongside, I'll keep it there until something changes.
But, like @Ryan, I keep a hefty sum in my credit union checking account because it earns me nearly 4% for balances up to $20,000. When they started that, I moved funds back to it from my ING account in order to take advantage of the much higher return.
I think the key is just being aware of your options and what's available to you. For me, moving to a new bank for a .1 or .2 % increase just isn't worth the time or hassle. I'll need a better reason.
My husband and I currently have the bulk of our savings with WTDirect and think they're great. However, WTDirect was recently bought by M&T Bank which has very low interest rates according to its website. We're considering switching to EverBank primarily because they're a smaller bank and they're also based in my hometown of Jacksonville, Florida.
I'm with Ryan. We can't justify moving our money to a savings account when we're earning 3.5% in our rewards checking account. So, for now, we'll just pile our emergency fund and all other savings into that one account. I don't forsee a spending problem (having access to all the money making us feel like we can/should spend more) so we'll take the interest!
I recently moved my liquid savings from the big-name bank where I have my checking (because I move a lot, and need something that's everywhere) back to a credit union in my home town. The rate is higher but still abysmally low (about .4%).
To answer the question at the end of your post, the factors that weigh into my decision are the interest rate, my personal beliefs, and the convenience of the account. Having my money at a credit union fits in better with my beliefs, and though it's out of state for me, I can access the money pretty easily. I could get a better rate at an online bank but it would be less convenient, and 0.8% more in interest is only like $80 per year per $10k… not all that significant. Having my savings at the same bank as my checking is most convenient which is why I did it that way for so long, but the rates are bad and I don't particularly want to support them anyway.
Has anyone used SmartyPig's retailer gift cards? I went to the link and it seems like you could earn a few quick dollars on a planned purchase if you set up a goal, quickly funded it, and then got the gift card to pay for said purchase meanwhile pocketing the cashback. Anyone have any experience with this?
Be careful with that. Once your money is in SmartyPig, you have to wait a few days to use it. From depositing $$ in the account to gift card in hand can easily be 2+ weeks. You will likely miss sale prices, unless you can do a return/rebuy.
I agree with some other posters that the rewards checking is the way to go. I'm going to do direct deposit and use a debit card anyway, so why not get 3-4% interest?
Also, many of the banks who offer the higher interest rates for rewards checking are smaller banks with excellent customer service.
The big caveat is that many of these banks cap the rewards balance at 25 k or less. My husband and I each have separate accounts to allow us to have up to 50k if we want, which is more than enough in cash for us.
To quote you J.D. "The government doesn't want you to park your money in savings; they want you to stimulate the economy by shopping or by putting your money into the stock market." That's exactly why I'm building as much savings as possible right now. When interest rates rise, and they will rise as sure as the sun, then I will be sitting in a good position to take advantage of rising interest rates. I use Emigrant Direct, the last one on your list. I've had them for a long time with no problem so I hate to change.
I worry about Ally- they are GMAC finance returned.
I am wondering IF the American public will go for another bank bail out if internet banking falls apart.
THank you for the list – I guess I had better start hunting.
This must have been a lot of work. Thanks JD!
I'm sticking with ING until they give me a reason to leave. I don't carry a large enough balance in my savings account for 0.20% to make more than a few bucks of difference, and the account is very convenient for me at the moment.
I hope this encourages some people to start saving though!
You can get 5% by paying off mortgage loan
Not necessarily – once you factor in the loss of the tax deduction, the "return" of paying off your mortgage decreases. I'm not advocating for or against this option, just pointing out the math is a lot more complicated than this statement implies! (As I think JD has addressed in at least one article before.)
These accounts seem hard to justify unless one is able to replace an existing bank relationship (move checking and whatever else).
A $20k balance would earn all of $200/year, half of which is available at most retail banks. Doesn't seem worth the time of dealing with a new bank.
I've really been looking forward to this post since ING sold to Capital One. Like others, I'm going to leave my money with ING until something changes, but I'll definitely flag this for future reference. Thanks!
J.D., Good article and I have actually been waiting for this from you since I saw that ING was being sold, knowing how you like them. You don't say if you plan on moving from ING or not though? My wife and I have an ING account and love it, but I don't know if I can deal with Cap 1.
We found a local bank that offers high interest checking. They pay 3% on balances up to $30,000. We have to use the debit card 15 times a month, use online bill payment, receive our statements electronically, and have at least one direct deposit, etc. But this is all stuff we do anyways. The best part is that we get reimburdsed for ATM charges up to $25 each month.
We found our bank through checkingfinder.com. The main page just lists a few options when you type in your zipcode. Use this link to find more banks in your region
I think we should note, that I bonds should also be taken into consideration, as they're paying out around 4% (variable on inflation).
And with the Fed's super secret screw china monetary policy, inflation may stay where it is or go up in the next 2-5 years.
I don't use my ING account, and haven't for years. I have a high yield checking account at my local credit union (scu.org) that gives me 3% (It used to be over 5 a couple years ago). It's way better than all the options you presented. Of course, it does require me to use my debit card 12 times per month, but who doesn't do that anyway? Oh, and I have to get my statements online. Again, who cares about getting paper statements anymore?
I just use my 12 transactions per month, then switch over to my credit card to earn 1-5% cash back on the rest of my purchases. I earn interest in my checking account during that time, and get 1-5% cash back for using my credit card (I pay my cc off 100% each month). This is the best situation I can think of, and it's worked out really good for us for about 3 years now.
I will be closing my ING accounts because of their buyout. I've had a secondary checking account at a Credit Union that I would use to deposit cash and paper checks and then transfer money to ING. But interest rates have been so low for so long that this extra step serves no purpose anymore. Besides, I am getting the same savings rate at the Credit Union as I am at ING, and am actually getting negligibly higher rates on the checking.
Even though CapitalOne has never done anything to screw me over personally, I do not consider them to be an ethical company and would rather preemptively take my money elsewhere.
Ha, I've been waiting to open my first online savings account and I've been tracking the purchase of ING– Now that I know it's the C1 vultures I'm not going anywhere near it.
Interest points aside, Ally (formerly GMAC, now divested from General Motors though GM still owns part of it) looked good last I checked, though it's also part owned by Cerberus Management which supports political causes I dislike (e.g., Dan Quayle is a spokesperson). Hmmm…
Sarah's arguments in favor of her credit union (currently post #7) might sway me to remain local, after all…
What irks me is that these rates can, of course, change without warning and pretty drastically. We got an FNBO Direct account in May when rates were near the best @ 1.1%. All of the sudden they've dropped to .85%, but is it worth jumping ship, getting another savings account (and associated credit check) and transfer all our money just to have it happen again? Not in our opinion.
My wife and I have been with Ally (formerly GMAC) for about 5 years. Absolutely LOVE them. Fantastic customer service and competative rates. I like to have a seperate account for every goal, so right now we have several accounts there. When a CD matures and you renew it, they give you 0.25% loyalty bonus on the new rate- wohoo!
Would recommend them to anyone.loading....
I agree. My husband and I have been with Ally for over two years. We both have savings, checking and CD accounts with them. Their rates are very competitive and their customer service is top notch.
I've been using flagstar for a few years now (don't see them on your list) – at 1.1%. They've been good to me, so I'm going to be sticking with them for a while…
I've tried using the rewards accounts, but I can't get myself to use the debit card 12 times in a month. it's too stressful.
Probably quite irrationally, I refuse to bank with anything called SmartyPig.
I remember (and I'm not that old) when bank names were meant to convey stable, solid, dignified institutions. Not that they were all that, of course.
I still think "First National City Bank of New York" is preferable to "Citibank", but I guess I'm weird.
Interest Rate at bank: 1.5% at best
Rate of inflation: 4-5% (what government tells us…probably more)
You will be loosing your purchasing power if you put your money in the bank.
Don't be dumb.
Good point. What do you recommend? What's growing reliably faster than inflation?
Umm… so by not putting your money in the bank you earn 0% on it. You're losing MORE in that case.
I guess TIPS is the best way to guarantee you at least don't lose ground against inflation, but those lock money away for X number of years, losing the flexibility & security of cash in the bank.
So where do you put your emergency fund then?
you don't need an emergency fund because you can always use a credit card or home loan if you lose your job
The 12 month rise in the consumer price index to May was 3.6%. Most of that was from energy (see: gas prices near you). "Core" CPI, not including food and energy, rose 1.5% over that period.
In other words, no, inflation is not 4-5%.
I use a mixture of things. A "dividend rewards" checking account that basically gives me 2.5% if I use the debit card 12 times. I also have target savings accounts that I put in my fidelity brokerage account. A low risk allocated mix of ETFs that stays in cash during major downturns yields 5+%
I use ING for just a tiny little fun money account as they hold your transfers forever and their interest rate is not the best. I use SmartyPig for savings as their interest rate is good, and I've just switched over to PerkStreet for cash rewards debit card purchases (2% for the first 90 days for a new account, then 1% after that). Do remember, your 1.00% on a savings account is ANNUAL, the cash rewards on the debit card is monthly as you use it, so on my first $400 put on the debit card I've earned $5 on the $250 spend (2%), so if I figure the interest on what I've actually transferred to the card, I've actually earned over 1% ($5.00/$400) (read 12% a year) for the month as opposed to the (more or less).001% (read 1% a year) I would have gotten from a savings account for the month. I'll take the money from SmartyPig when I need to spend it, and transfer it PerkStreet and get paid for using my money. Who needs credit cards?
Do you mean 1.25% ($5/$400)? Still better than 1% APY, but not nearly as good as 12%
You make a good point though as to the importance of compounding interest. When comparing accounts, be sure to compare APY which will give you the amount of interest you will earn over the year, including compounded interest.
Thanks for this JD. Like others, I am looking to drop ING now. But, before doing anything, I am waiting to see what https://banksimple.com/ has to offer.
They sound pretty cool. I got all excited and signed up for a beta invite, before I realized a smart phone is required. Oh well.
I'm having several problems with my savings situation.
First of all, I LOVE ING Direct. I cried when they got bought by Capital One, as my husband and I have both had terrible experiences with them and I absolutely cannot trust them. I have not decided what to do. I think I will leave my savings for now (not sure about checking) and watch like a hawk for the slightest change in service. If they just take over ownership and keep their slimy paws off, it might be ok. (Like Disney buying Marvel, but with even worse potential consequences.)
Second, I did a little research myself on some of these other banks. I don't have the patience of JD, but I looked around a bit. Every one has terrible reviews. Ally, which looks good from the outside, has pages of people complaining that their money got held hostage in some banking limbo when they tried to make a payment or a transfer or something. Who wants to sign up for that? All the banks I looked at had the same problem.
Except one: American Express, a company I could actually bring myself to trust. The problem? I can't get their personal savings site to load on my computer. No idea why. Do you have to have an Amex card to get an Amex savings account? It might be worth it…
Ely –
I just opened up my AmEx Online Savings Account simply because this was the company that seemed to be the most stable, long-lasting company out there.
Also, I talked to other friends of mine who were with AmEx and were very happy with their decision. One of these friends is a pretty high-powered business man who does tons of research before doing anything in the financial realm, so I figured if it was good for him, it should be good enough for me too. So far, I am happy with my decision.
Am am not currently an AmEx Card holder, and I was able to sign up just fine. I would say to try the site again (maybe the site was down for maintenance?) or double check that you have the latest updates to your particular browser. I have heard that some older browser platforms are not compatible with some websites these days.
Emigrant Direct has proven very easy and reliable to use over the 4+ years I've had an account. For the most part over my account history, the interest rate has closely paralleled ING Direct except for the past few months.
And just because you've heard of AmEx doesn't mean there aren't older, more 'established' companies on the list. For instance, Emigrant Savings bank is the oldest bank in NY, founded in 1850 by Irish immigrants.
Great info from the reader comments about high interest checking! I just checked my credit union's website and they have one with no minimum balance. The interest rate is competitive. You have to have at least one electronic deposit and five debit withdrawals each month and no paper anything, but I pay everything online and use my debit for all purchases that don't require cash, anyway.
Husband just got laid off, so probably won't be opening one immediately, but definitely in the near future.
Does anyone know if the ING Retirement portion was bought out by Capital One? I have ING Orange Savings account but I have a 401K set up with ING as well.
Also, why the hate for Capital One? What happened for most of you to dislike them?
I'm still in the phase of paying off debt, so the best "saving" I can do (now that we have an EF) is making those payments. Guaranteed minimum 10% return.
@ Beth, I myself have had a good experience with Capital One – in fact, it's the one credit account I am maintaining – but I have only used them as a credit issuer and not as a bank.
Not sure if you're following Ramsey's method, but if you do, you still need an emergency fund in cash while you kill the debts.
He recommends putting it in breakable glass or something, ha ha ha. The fund is anything from $1000 to 6 months in living expenses… but even $1K is too much for me to keep hidden at home (I'm paranoid about burglaries), so for me the bank is the way to go.
The emergency fund is actually so you don't have to keep credit cards for emergencies (especially in case Capital One happens to wrong you at some point). It's worked for me.
I don't agree Capital one is a bad choice. I have account with them for over 2 years. In saving as well as interest checking. When ING was paying 0.9% Capital One pays 1.1%.
I had a problem with bank of america account, as it got accidentally frozen, while lookign for alternate chekcing accounts, I found interest bearing checking account from capital one bank. And, I glad that I started looking, for alternative.
The whole journey is documented in my blog, which might be helpful for other readers.
I do what a lot of others do here w/ my cash savings: i have 2 high interest reward checking accounts (so I can keep up to 25K in each and earn interest) and now I'm going to open up a 5 year Ally CD. Savings accounts seem like a bad idea, when you can go w/ either of these options and get significantly more basis points.
I also use two different rewards checking account to store my savings. First Bank & Trust in SD and NARFE credit union in VA. They started out at 3.5 – 4% interest, but over time have dropped to 2- 2.5%. Need to have one direct deposit, electronic statement and 10-12 debits per month per account.
I don't know how the interest rate is going to affected by new legislation effective July that will limit the amount of debit card fees the banks can charge merchants. This money making on the debit fees is how the banks can offer higher interest rates to their depositers.
The website below shows some of these types of accounts available. Some may only be for people that live in that state, others will allow out-of-state residents to apply.
I researched this about a year ago when we were looking to move away from Chase and one of the local credit unions. We have accounts at 2 banks so that not all our eggs are in one basket. Our short list consisted of:
- Alliant Credit Union
- Discover Bank
- Everbank
- Emigrant Direct
- ING (now glad didn't do it)We have our main checking/savings now with Alliant (1.15%) and are pretty happy with them, though it is a bit tedious to get the accounts set up. A bonus with them is can use many ATMs (even more convenient than w/ Chase) and can even use some ATMs for deposits. Also have a smartphone app for deposits, but we don't have a smartphone.
I've seen some state credit unions with quite high interest rates as well (currently as high as ~3% ?) — sometimes the only requirement being a resident of the state.
I think any of the above would be fine. Ally was briefly considered, but I didn't like their history, so eliminated them due to that.
I have been with Ally all these years and have 10 sub accounts (essentially separate accounts under same login that you can nick name). We are saving for our first home downpayment so have some good cash parked in savings. For the first $25k, we use a rewards checking that pays 3.5%. You can find rewards checking that accepts online sign ups via (1) Kasasa (2) http://www.depositaccounts.com/checking/reward-checking-accounts.html (3) https://www.checkingfinder.com/ I like depositaccounts the best, but the other ones sometimes have a few accounts that don't show up on deposit accounts, so it is good to check all three. Won't take more than a couple of minutes. But with these accounts you do have to make 10 debit card transactions. For me anything less than $4 I put that in this card. Works out well. Some people pay a bill in $1 increment. For me, just the regular purchases works out well.
I'm getting 4.5% with my rewards checking account. I can't understand why more people in the personal finance community aren't jumping on this boat?
My bank is Florida Central Credit Union.
I agree, when I heard about ING being bought the first thought it lead to was "NO WAY," followed by my wife saying "Um… NO. We will close that account." We were totally in agreement within like 3 nanoseconds, without even discussing it. That is when you KNOW that a company has really ticked some people off! CapOne has no insurance of ever winning most of these people (like us) back, either. Wow.
For what it's worth, I have several online accounts with Discover Bank. They never make the highest echelon of any "top rates" list, but they're always close, and more to the point their rates have remained steadily higher then average for years. Easy, well-designed website and clear graphics are extra plusses.
I have two accounts plus a credit card with Capital One. I've never had a problem with them. Had a late payment last month, and they removed the fee when I called (I'd never had a late pmt before) and said "Oops." I also have a CD with Ally, which I like, and had $ in Everbank until they raised the minimum. Everbank also delayed so long in setting up my account that the interest rate went down before they could get everything settled so I just said forget it. Also have a rewards checking at a C.U. that we keep at the maximum amount to get the best interest rate. I love Smarty Pig generally. However, what I don't love about them is that I can't put any of the accounts into our trust rather than my individual name. I don't understand why, but they wouldn't do it when I set up the accounts. Maybe they've changed that now. Anyone know?
The fact that this discussion is picking up again is encouraging – that likely means that an economic recovery is occurring enough to where people are able to save decent amounts.
Regarding savings method – I use rewards checking + the Quicken "savings goals" function to keep it separated in my books. This gives me a good interest rate, plus my savings is an automatic "overdraft protection" since it sits in my checking account.
Costco has a favorable savings account rate, as well as other interesting financial products for members. Their savings is 1.15% with a $60/$20 bonus for Executive/Gold members on a $5K deposit & quarterly bonus interest on $10K+ balances. I'm considering switching from ING myself!
oops-Costco uses CapitalOne!
I plan on taking a wait and see position relative to the purchase of ING by Capital One. I expect no immediate change other than being bombarded with offers. I have a Capital One credit card but have refused to use it in over three years due to a dispute on a late fee. I refused to pay it and they refused to remove it. In the end, I paid it and wrote them that I would NEVER use their card again. The account remains open and they get no money from me. If they change the ING services inane way, I'll be gone!
To answer this question:
".. we will be accumulating a considerable amount in our account every month. We could probably go without touching this money for years, so we're interested in the highest-yield accounts/markets. What would you recommend?"
- Pay yourself. If you have any consumer debt (credit cards, auto loans) or student loans, you get a "guaranteed return" of whatever the interest rate on the debt is.
- Fund retirement accounts. If you've got piles of money coming in, then put away as much as you can for as long as you can. The power of compounding will work for you over the 40ish years till you retire. Pick aggressive funds (stocks) since you aren't going to touch the money for decades. Also, eventually kids will come along … or a layoff … or a few bad years. And you'll likely need to back off the contributions somewhat. So get it in now so it can grow.
- Have some fun before you get all settled in. Take some trips with just you and your husband. Soon enough it'll be soccer schedules, school schedules and a whole different life. Make some memories as a couple.
- You could also consider trying to pay off your mortgage early. Way early. But balance that with the other considerations above. You certainly don't want to waste your youth working for a house!
Since it'll probably take a bit before Capital One changes policies for ING Direct customers, I'm taking a wait and see approach.
I'll look at all the different options, but we're in no rush to switch right now.
*WOW*. I did not realize that there were ANY interest-bearing checking accounts that did not require a large deposit… For example, my credit union only offers interest-bearing checking (0.05%)with a minimum $2500 balance (it goes up in tiered amounts to a max of 0.60% for a $100,000 minimum balance…) I had never heard of NO-minimum interest-bearing checking before… MANY THANKS for this post!!!
Other than a small amount of savings in the credit union account, what I have is kept with ING. I too think Cap One has a shady reputation, but I will give them the benefit of the doubt and wait to see if they jerk things around. (Organizations, like people, can improve; with both, while I want to know what was done in the past, I'm much more interested in knowing what is done now.)
Jumping to a new account for a couple of interest points won't really help me, as I'm at Dave Ramsey's baby step #1 of just barely getting a $1K emergency fund, so I'm not going to move unless/until I have to. When I do, though, I will definitely check out these checking accounts. MANY THANKS again for sharing this info!
I haven't researched the liability one has with these rewards checking (in case someone drains your account after grabbing your account number), but isn't maintaining a high balance in a rewards checking account really dangerous?
Personally I'd be more inclined to keep $30,000 in a lower-yielding savings than having it all exposed in a single checking account that the banks require I have 12+ debit transactions from each month. Your card & account number is spread all over the place.
This is my thinking exactly and it's why I've never opened one of these. You make more in interest, but you're also increasing exponentially your risk of identity theft, and many ATM cards do not come with the same consumer protections that credit cards do.
That's an excellent point and one I hadn't thought of. Thinking now maybe my credit union savings account is the best place to park my emergency fund, even if the rate is pitiful, if ING craps the bed. Thanks for the insight.


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Sunday, July 25, 2010
Sunday Morning Coffee
First the Grantham money quote in opining why "blue chip" stocks might be lagging he notes what he calls the "let's all look like Yale syndrome." This is a very funny quote and something we've talked about here frequently over the years. The title for the interview was What Did Investors Learn From the 2008 Stock Market Crash. I jokingly tweeted "probably not enough."
Personally I think any article I can find on the endowments is fascinating reading although new articles are harder to come by since the tide went out on a few of them--so to speak. The people running these funds are very smart, despite the tide going out, have very useful things to say about asset allocation but (repeat theme coming) trying to emulate them is a very bad idea especially using exchange traded vehicles to build large weightings to things trying offer "private equity" exposure. As discussed yesterday large exposures to commodities can be problematic in terms of exchange traded products "not working" the way they are supposed to and more volatility than originally bargained for.
The interview with Harvey seemed to be saying that MPT works except for when it doesn't. He specifically talks about the need for some sort of back up when it doesn't work. I know people love to believe the market is at all times efficient or rational but that is difficult to buy into given that the market is people and people are not collectively rational. If they were then behavioral finance wouldn't exist, there would be less of a death of equities sentiment and I think this list could be endless. However I do concede that some people believe in efficiency and rational behavior wholeheartedly so ultimately you can decide for yourself.
In the last couple of years we have all learned a lot more about the 1930s and 1970s than we used to know. Given what we all know now and what we have recently been going through the conclusion I draw is that occasionally for very long periods of time the equity market does not get the benefit of the doubt and effort should be made to neutralize the downside which can be done with moderate exposures to things like inverse funds, certain commodities, absolute return funds and maybe you have other ideas you can share. And to repeat all of these things can be done in moderation. If you think of yourself as an investor then you need to accept that the market goes down every now and then and you don't need to hedge away every last negative basis point.
6 comments:
- Anonymous said...
Traditionally, of course, dividend-paying equities and certain defensive sectors like healthcare and utilities have provided some downside protection. No big news there.
Bonds rarely come up in these kinds of discussions, but they can easily blend away much of the downside risk of equities. That's not particularly insightful either, but most folks simply overlook fixed income or limit their purview to treasuries. - 6:09 AM
- Anonymous said...
For someone looking for absolute or hedge like mutual funds it is tough to beat the following:
-Hussman Total Return
-TFS Market Neutral
-PIMCO All Asset Authority
-Permanent Portfolio
-PIMCO Unconstrained Bond
-Doubleline Core - 6:34 AM
- Anonymous said...
"Markets can remain irrational far longer than you or I can remain solvent."
John Maynard Keynes - 1:28 PM
- Anonymous said...
Anon 6:34. Why put your money in those excellent hedge like funds when you can use Nakoma, RYMFX, etc... Ha, ha, LOL
- Anonymous said...
there are 10 million illegal workers in American 67% from central america, 25% from asia, ther rest from various countries.
This nedless inflow of cheap unskilled labor into America drastically pushes down labor costs to the point that an American can not afford to take most unskilled labor jobs.
This has added to the depression in that these unskilled jobs that that typically pull families through a downturn no longer exist.
Support Arizona and only vote for politicians that promise to deport all illegals and tighten illegal worker laws and send those that employ illegals to jail. - 9:30 PM
- Anonymous said...
Anon 9:30
Easy solution: quit extending unemployment so people actually have to work to eat. - 9:55 PM

subset: commoncrawl


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First responders gather Tuesday for 9/11 remembrance
September 11, 2012 10:28PM
Members of the Valparaiso Fire Department honor guard escort Cooks Corners Elementary fifth graders back to school following a Sept. 11th observance and the First Responders Tribune Garden Tuesday Sept. 11, 2012. The students sang God Bless America as part of the program. | Andy Lavalley~Sun-Times Media
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Updated: September 11, 2012 11:01PM
Firefighters and police officers took part in a moment of silence Tuesdsay at the Sept. 11th observance at First Responders Tribute Garden in Valparaiso. Members of the public gathered with emergency personnel and local politicians to honor the memory of those who died as a direct result of the attacks and in the wars that followed.


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Cedar Rapids Weather
Huskers Ride Much 'Needed' Burkhead To VictoryBy Michael Bonner, Reporter
IOWA CITY, Iowa – Bo Pelini had ammunition left on his sideline, but wanted to dip into it only in his team really "needed it." As walked to the locker room at halftime, the Nebraska head coach knew he couldn't wait any longer.
His team trailed Iowa 7-3, but it was time to unleash the reserve of reinforcements he possessed sitting on the sideline. "I said how do you feel about it, Rex said, 'Let's go,'" Pelini said. "I'm glad we did." Reigning All-Big Ten running back Rex Burkhead trotted onto the field for the Cornhusker's first play of the second half and the crowd behind him ignited with a roar. It was the first of many from the faithful, who made the trip to Iowa City from Omaha, as the senior carried Nebraska to a 13-7 win. Tapping into the Cornhuskers' most-potent weapon came as a surprise to even the highest of players on the chain of command. "I had no clue. I just looked back there (in the huddle) and saw him," quarterback Taylor Martinez said. "I was like awesome." The Iowa sideline didn't share the same sentiment. "In my mind, he's really a dynamic player. He just changes the tempo of things out there a little bit. That's what good players do," Iowa head coach Kirk Ferentz said. "Again, they've got a lot of good players. To me, when he's in there, they run a little different." Pelini and Company kept Burkhead sidelined since Oct. 20, when he reaggravated a knee injury against Northwestern. Burkhead didn't immediately return to last year's form that saw him total the most yards by a Nebraska back since 1997, but he got there. "Everything was moving fast right when I got out there," Burkhead said. "I guess being off for five weeks or whatever it's been, you kind of have to get used to it again. But I started getting more carries and started getting the flow of the game and it felt good." Nebraska took its opening possession of the second half 30 yards for a 52 yard field goal to pull to within one of Iowa. Burkhead carried the ball five times for 12 yards. It allowed the Plano, Texas native to break out of the rust a month on the sideline left. The more Nebraska fed him the ball, the more yards he chewed up. After a nine-yard third quarter, Burkhead finished the game with a 60 yard fourth quarter on ten carries. His performance even his teammates on the other side of the ball took notice. "We were joking about, the fourth quarter Rex is back," Nebraska linebacker Alonzo Whaley said. "Because you know how he gets strong in the fourth quarter as the game goes." [HTML4] The old Burkhead was hard to miss and even more difficult to stop. With 12:03 left in the game, Iowa pinned Nebraska at its own one yard line. Burkhead carried the ball three times for 21 yards, none more impressive than a nine yard run that advanced the ball from the 2 to the 11. Iowa stuff the running back within three yards of the line, but Burkhead moved the piled ahead eight more yards. "That one coming out, where we're backed up against the goal line, pushing the pile a little bit, starting from then, I started seeing things a little bit better, and started to get going" Burkhead said. Nebraska ended the first half with 68 yard rushing on 23 carries, less than three yards a pop. On seven less carries, Burkhead managed to eclipse that number. He ran the ball 16 times for 69 yards and scored Nebraska's only touchdown of the game. Only Iowa running back Mark Weisman topped Burkhead's 75 all-purpose yards. The difference, Weisman played all four quarters and carried the ball 13 more times. After the game, Pelini didn't discuss the numbers, yards per carry or anything physically Burkhead contributed. "I just thought it was more something that would give us an emotional boost," Pelini said. "He's obviously a huge part of our team. He gives us an emotional lift and I thought he did that." He also carried the Cornhuskers into the Big Ten championship game, where they will face Wisconsin. Saturday, Burkhead didn't concern himself with the mental or physical aspects of the game. He didn't have much to say about the Badgers either. For him, after five weeks of primarily watching, it was finally nice to play. "Just glad to be out there with the guys again," Burkhead said. "I missed being out there. Just getting out there and having just with the guys and most importantly putting a W on the board." Conversation GuidelinesBe KindDon't use abusive, offensive, threatening, racist, vulgar or sexually-oriented language. Share KnowledgeBe truthful. Share what you know and what you are passionate about. Stay focusedPromote lively and healthy debate. Stay on topic. Ask questions and give feedback on the story's topic. Report TroubleHelp us maintain a quality comment section by reporting comments that are offensive. If you see a comment that is offensive, or you feel violates our guidelines, simply click on the "x" to the far right of the comment to report it. read the full guidelines here » Commenting will be disabled on stories dealing with the following subject matter: Crime, sexual abuse, property fires, automobile accidents, Amber Alerts, Operation Quickfinds and suicides. |
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Mobile Phone Help
It's free to register, to post a question or to start / join a discussion
cost of using an Android phone
Likes # 0
Posted January 10, 2012 at 12:13PM
I have just purchased a Sony Ericsson Experia Mini Android phone and it appears to be costing me about 20p per hour just to keep it switched on. Is this correct?
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Likes # 1
Posted January 10, 2012 at 1:41PM
What tariff are you on? I have a '3' tariff that cost me £12/month for a 12 month contract and gives me each month 300 minutes of calls, 1000 text and 500 MB of data access so my total cost is £12/month inclusive of all my use. How do you calculate 20p/hour?
Likes # 0
Posted January 10, 2012 at 2:11PM
You might like to consider this tariff http://www.delightmobile.co.uk/view/info/compareus.aspx
Delight Mobile (Effective Rates/minute)
Fixed landline 1p
Mobile 10p
Text 10p
Data 1000 MB Free each month after you top up
Likes # 0
Posted January 12, 2012 at 4:05PM
If you leave it connected to the WWW it may be doing an ET 'phone home' to get/check your emails.
Likes # 0
Posted January 12, 2012 at 10:05PM
It was the sync that was costing me mony. Calculated easily because I am using PAYG in a sim freephone.
Thanks everyone. Sorted.
Likes # 0
Posted March 22, 2012 at 11:37AM
I've a tariff that cost me £14/month, every month 1200 text and 800 MB of data 350 minutes of calls.
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Terry Yosie, President and CEO of World Environment Center, describes his company's efforts at "greening" the supply chain of Shanghai General Motors.
This both created value and benefited SGM and its suppliers.
Ye Weijia, head of New Ventures China, explains that although the Chinese people are excited to be the manufacturing center of the world, they are now realizing the ecological and financial costs.
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bocks lowgo 416 سبحان @supnygungy | instagram
just a small question, I havent bothered wearing my apcs for a while as its very hot and I dont wanna weear jeans... I had them for like 3 wears and I wear them 2/3 times a week. lol, Im hearin people wearing the 5 days a week.
It might be a stupid question but, is this a problem ?
i'm looking for a pair of wax / treated black denim or perhaps leather pants... what would you guys recommend? right now i'm looking into nudies but have no knowledge at all on this type of denim. thanks.Nudies would be your best bet. I can't think of any solid denim brands that make the type of jeans you are looking for. Most take a traditional approach. I'm sure there are other brands. Check out revolveclothing, and tobi
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Ok, I need some advice. I'm planning on getting my first pair of good quality denim. I'm kinda in between a 38 and 36 and I got short legs (I prefer a 29 inseam). Anything between 200 and 400 dollar range is what I'm lookin' for. I used to wear Levi 514 Slim Straights, but after I lost alot of weight they fit too baggy in the leg. Any suggestions? Thanks in advance!
I have been wearing my raw for almost 3 months now, you know how people tell you to size down, yea i did that... but my jeans hasn't stretch enough to the point of comfortable wearing, do i need longer time?
http://www.facebook.com/groups/ShopandSwapLTD // http://instagram.com/l73_ For sale - http://hypebeast.com/forums/sneakers/210537#4242476
asked this in the other thread, I got henny and beer on my st-100s..should I was em? only been wearing them for about 30 wears or so
Can anyone tell me how the Flathead z3005 fit? If I want a slim straight fit? Thanks.
When point of the fading process are you supposed to wash your jawnz?
And is the washing process pretty much consist of cold water, inside out, and hang dry?
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WTB: Original Fake Tees | WTB: Supreme Tees Sz. M
I got bored and changed my name. USED TO BE willnellis.


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The Mahavamsa (Sinhala: මහාවංසය [ˈmahavaŋʃəyə]; Pali: Mahāvaṃsa, trans. "Great Chronicle"; abbrev. Mhv.[1] or Mhvs.[2]) is a historical poem written in the Pali language, of the Kings of Sri Lanka. The first version of it covered the period from the coming of King Vijaya of the Rarh region of ancient Bengal in 543 BCE to the reign of King Mahasena (334–361).
The first printed edition and English translation of the Mahavamsa was published in 1837 by George Turnour, an historian and officer of the Ceylon Civil Service. A German translation of Mahavamsa was completed by Wilhelm Geiger in 1912. This was then translated into English by Mabel Haynes Bode, and revised by Geiger.[3]
While not considered a canonical religious text, the Mahavamsa is an important text in Theravada Buddhism. It covers the early history of religion in Sri Lanka, beginning with the time of Siddhartha Gautama, the founder of Buddhism. It also briefly recounts the history of Buddhism in India, from the date of the Buddha's death to the various Buddhist councils where the Dharma was reviewed. Every chapter of the Mahavamsa ends by stating that it is written for the "serene joy of the pious". From the emphasis of its point-of-view, it can be said to have been compiled to record the good deeds of the kings who were patrons of the Mahavihara temple in Anuradhapura.
Buddhist monks of the Mahavihara maintained chronicles of Sri Lankan history, starting from the 3rd century BCE. These annals were combined and compiled into a single document in the 5th century by the Buddhist monk Mahathera Mahanama. It was written based on prior ancient compilations known as Sinhala Atthakatha, which were commentaries written in Sinhala[citation needed]. Mahathera Mahanama relied on this text, as he mentions in Mahavamse tika, that is the preface to Mahavamse.[4] Another, earlier document known as the Dipavamsa, which survives today, is much simpler and contains less information than the Mahavamsa, and was probably compiled using the Sinhala Mahavamse Atthakatha as well.
A companion volume, the Culavamsa ("lesser chronicle"), compiled by Sinhala Buddhist monks, covers the period from the 4th century to the British takeover of Sri Lanka in 1815. The Culavamsa was compiled by a number of authors of different time periods.
The combined work, sometimes referred to collectively as the Mahavamsa, provides a continuous historical record of over two millennia, and is considered one of the world's longest unbroken historical accounts[citation needed]. It is one of the few documents containing material relating to the Nāgas and Yakkhas, the dwellers of Lanka prior to the legendary arrival of Vijaya.
As it often refers to the royal dynasties of India, the Mahavamsa is also valuable for historians who wish to date and relate contemporary royal dynasties in the Indian subcontinent. It is very important in dating the consecration of the Maurya emperor Asoka, which is related to the synchronicity with the Seleucids and Alexander the Great.
Indian excavations in Sanchi and other locations, confirm the Mahavamsa account of the Empire of Asoka. The accounts given in the Mahavamsa are also amply supported by the numerous stone inscriptions, mostly in Sinhala, found in Sri Lanka.[5] Karthigesu Indrapala [6] has also upheld the historical value of the Mahavamsa. If not for the Mahavamsa, the story behind the large stupas in Anuradhapura, Sri Lanka, such as Ruwanwelisaya, Jetavanaramaya, Abhayagiri, and other works of ancient engineering would never have been known.
Most important Pali epic poem[edit]
This section does not cite any references or sources. (September 2008) |
Besides being an important historical source, the Mahavamsa is the most important epic poem in the Pali language. Its stories of battles and invasions, court intrigue, great constructions of stupas and water reservoirs, written in elegant verse suitable for memorization, caught the imagination of the Buddhist world of the time. Unlike many texts written in antiquity, it also discusses various aspects of the lives of ordinary people, how they joined the King's army or farmed. Thus the Mahavamsa was taken along the silk route to many Buddhist lands.[citation needed] Parts of it were translated, retold, and absorbed into other languages. An extended version of the Mahavamsa, which gives many more details, has also been found in Cambodia.[7] The Mahavamsa gave rise to many other Pali chronicles, making Sri Lanka of that period probably the world's leading center in Pali literature.
Political significance[edit]
The Mahavamsa has, especially in modern Sri Lanka, acquired a significance as a document with a political message.[8] The Sinhalese majority often use Manavamsa as a proof of their claim that Sri Lanka is a Buddhist nation from historical time. The British historian Jane Russell[9] has recounted how a process of "Mahavamsa bashing" began in the 1930s, especially from within the Tamil Nationalist movement. The Mahavamsa, being a history of the Sinhala Buddhists, presented itself to the Tamil Nationalists and the Sinhala Nationalists as the hegemonic epic of the Sinhala people. This view was attacked by G. G. Ponnambalam, the leader of the Nationalist Tamils in the 1930s. He claimed that most of the Sinhala kings, including Vijaya, Kasyapa, and Parakramabahu, were Tamils. Ponnambalam's 1939 speech in Navalpitiya, attacking the claim that Sri Lanka is a Sinhalese, Buddhist nation was seen as an act against the notion of creating a Buddhist only nation. The Sinhala majority responded with a mob riot, which engulfed Navalapitiya, Passara, Maskeliya, and even Jaffna.[9][10] The riots were rapidly put down by the British colonial government, but later this turned through various movements into the civil war in Sri Lanka which ended in 2009.
Various writers have called into question the morality of the account given in the Mahavamsa, where Duttugemunu regrets his actions in killing the Chola king Elara and his troops. The Mahavamsa equates the killing of the invaders as being on par with the killing of "sinners and wild beasts", and the King's sorrow and regret are assuaged. This is considered by some critics as an ethical error. However, Buddhism does recognize a hierarchy of actions as being more or less wholesome or skillful, although the intent is as much as or more important than the action itself. Thus the killing of an Arahant may be considered less wholesome and skillful than the killing of an ordinary human being. Buddhists may also assert that killing an elephant is less skillful and wholesome than killing an ant. In both cases, however, the intent must also be considered. An important thing to note is that Dutthagamani regretted his act, and this was also true of King Asoka, who became a pacifist after a series of bloody military campaigns.
An eminent historian who has come to the defense of the Mahavamsa is Karthigesu Indrapala.[6] He has argued that the popular presentation of the Mahavamsa as a work of Sinhala Buddhist chauvinism is incorrect, and that the Mahavansa writer was singularly fair in his presentation.
Historical accuracy[edit]
This section's factual accuracy is disputed. (April 2010) |
The historical accuracy of the Mahavamsa, given the time when it was written, is considered to be astonishing,[11] although the material prior to the death of Asoka is not considered to be trustworthy and is mostly legend.
This date of Vijaya's arrival is thought to have been artificially fixed to coincide with the Ceylonese date for the death of Buddha, that is 543 BCE. The story of Vijaya's arrival was also written much later after it had occurred, as the Mahavansa is thought to have been written in 6 CE to 1877 CE by Buddhist monks.[12][13]
The historical accuracy of Mahinda converting the Sri Lankan king to Buddhism is also debated. Professor Hermann Oldenberg, a German scholar of Indology who has published studies on the Buddha and translated many Pali texts, considers this story a "pure invention". V. A. Smith (Author of Asoka and Early history of India) also refers to this story as "a tissue of absurdities". V. A. Smith and Professor Hermann came to this conclusion due to Ashoka not mentioning the handing over of his son, Mahinda, to the temple to become a Buddhist missionary and Mahinda's role in converting the Sri Lankan king to Buddhism, in his 13th year Rock Edicts. Particularly the Rock-Edict XIII.[14]
There is also an inconsistency with the year on which Ashoka sent Buddhist missionaries to Sri Lanka. According to the Mahavamsa the missionaries arrived in 255 BCE, but according to Ashoka's Rock-Edict XIII it was 5 years earlier in 260 BCE.[14]
Editions and translations[edit]
- Turnour, George (C.C.S.): The Mahawanso in Roman Characters with the Translation Subjoined, and an Introductory Essay on Pali Buddhistical Literature. Vol. I containing the first thirty eight Chapters. Cotto 1837.
- Sumangala, H.; Silva Batuwantudawa, Don Andris de: The Mahawansha from first to thirty-sixth Chapter. Revised and edited, under Orders of the Ceylon Government by H. Sumangala, High Priest of Adam's Peak, and Don Andris de Silva Batuwantudawa, Pandit. Colombo 1883.
- Geiger, Wilhelm; Bode, Mabel Haynes (transl.); Frowde, H. (ed.): The Mahavamsa or, The great chronicle of Ceylon / translated into English by Wilhelm Geiger ... assisted by Mabel Haynes Bode...under the patronage of the government of Ceylon. London : Pali Text Society 1912 (Pali Text Society, London. Translation series ; no. 3).(Online text)
- Guruge, Ananda W.P.: Mahavamsa. Calcutta: M. P. Birla Foundation 1990 (Classics of the East).
- Ruwan Rajapakse, Concise Mahavamsa, Colombo, Sri Lanka, 2001
- Guruge, Ananda W. P. Mahavamsa: The Great Chronicle of Sri Lanka, A New Annotated Translation with Prolegomena, ANCL Colombo 1989
- Early translation of a Sinhalese version of the text
- Upham, Edward (ed.): The Mahavansi, the Raja-ratnacari, and the Raja-vali : forming the sacred and historical books of Ceylon; also, a collection of tracts illustrative of the doctrines and literature of Buddhism: translated from the Singhalese. London : Parbury, Allen, and Co. 1833 (3 vol.). (Mahavansi)
See also[edit]
- ^ . Malalasekera Dictionary of Pali Proper Names: Pali-English, p. xvi, retrieved Sept. 19, 2010, from "Google Books".
- ^ Rhys Davids & Stede (1921-25), Pali Text Society's Pali English Dictionary, "B. List of Abbreviations," retrieved Sept. 19, 2010, from "U. Chicago" at http://dsal.uchicago.edu/dictionaries/pali/frontmatter/abbreviations.html .
- ^ Mahavamsa. Ceylon Government. 1912.
- ^ Hermann Oldenberg, The Dipavaṃsa, an ancient Buddhist historical record
- ^ Geiger's discussion of the historicity of the Mahavamsa;Paranavitana and Nicholas, A concise history of Ceylon (Ceylon University Press) 1961
- ^ a b K. Indrapala, Evolution of an Ethnicity, 2005
- ^ Dr. Hema Goonatilake, Journal of the Royal Asiatic Society of Sri Lanka. 2003
- ^ H. Bechert, "The beginnings of Buddhist Historiography in Ceylon, Mahawamsa and Political Thinking", Ceylon Studies Seminar, Series 2, 1974
- ^ a b Communal politics under the Donoughmore Constitution, 1931–1947, Tissara Publishers, Colombo 1982
- ^ Hindu Organ, June 1, 1939 issue (Newspaper archived at the Jaffna University Library)
- ^ de Silva, K.M. (1981). A History of Sri Lanka. New York: Penguin.
- ^ Insert The Journal of Asian Studies, Vol. 16, No. 2 (Feb., 1957), pp. 181-200 Published by: Association for Asian Studies Stable URL: http://www.jstor.org/stable/2941377
- ^ E.J. Thomas. (1913). BUDDHIST SCRIPTURES. Available: http://www.sacred-texts.com/bud/busc/busc03.htm. Last accessed 26 03 10.
- ^ a b Wilhelm Geiger (1912). Mahavamsa: Great Chronicle of Ceylon. New Dehli: Asian Educational Services. 16-20.
External links[edit]
Wikisource has the text of the 1905 New International Encyclopedia article Mahāvansa. |
- Geiger/Bode Translation of the Mahavamsa
- The Mahavamsa: The Great Chronicle of Sri Lanka
- "Concise Mahavamsa" on-line version of: Ruwan Rajapakse, P.E. (2003). Concise Mahavamsa: History of Buddhism in Sri Lanka. Maplewood, NJ : Ruwan Rajapakse. ISBN 0-9728657-0-5.
- Online-Pali-Text on tipitaka.org.
- History of Sri Lanka


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Twilight Zone: The Complete Series (Episodes Only Collection Duration: (1959-1964) Creator: Rod Serling Company: Image Entertainment Release Date: Nov. 19, 2013
Andy_BGH: You've maintained an incredibly prolific career, consistently working in television and film for roughly 35 years. And while there are certain similarities between the two mediums they also hold their own unique set of challenges. As an actress, how have you seen these challenges change over the course of your career? Has the transition between the two been something that came naturally to you?
If you didn't catch the premier of "Dexter" this past Sunday you missed out. Not only because we got two serious shots of John Lithgow's ass but also because things got pretty intense in the last ten minutes. I won't spoil it for those of you who didn't watch yet. Pretty awesome all around though.
A lot has happened this season on Eureka. To be honest I don't even remember what the season premiere was about anymore so much has gone on. The few months that the show took off didn't help that though. Well after people joining and leaving the cast, a baby being born and a space craft landing we finally found ourselves at the season finale. But after so much had happened throughout the season the big question on my mind was what could they do to finish it off?
It's fall time and I couldn't be more excited to see all my favorite shows coming back into swing. Between "Dexter" and "Dancing With The Stars" I haven't gotten a good night's sleep in weeks because of the anticipation. It's getting a bit out of control.
Never let it be said that Eureka is big on giving away details. Two weeks ago we were treated to a shitty clip show and after taking a week off I assumed that was our season finale. Not so, apparently. Friday night my DVR was all ablaze and Eureka was back in full force. This week's episode titled "Have An Ice Day" marked the return of Taggart , Jo's ex-boyfriend as well as Zane, Jo's current boyfriend who has been away for the past two months. Drama!
For you DVD Collectors and "Dexter" fans out there, season 3 is now out on DVD and ready to grace your book shelf.
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Oh ship! The ship finally went down this past week on Eureka. The ship hit the fan in the episode titled "Ship Happens". See what I'm doing here now? Don't worry, I'll keep it going. Because after last week's ship touch down in Eureka we finally got an entire episode dedicated to what and who was manning the space ship which has been sending radio signals to Eureka for the past few episodes.
This movie is... weird...
Who could kill a child? Turns out most of us, pretty easily in fact.


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The weather should be good for Oklahomans who want to catch a glimpse of a celestial light show this week.
The annual Geminid meteor shower is underway, but the peak is expected on the night of December 13 and 14, 2012.
The Geminid meteor shower is caused by the object 3200 Phaethon, thought to be an asteroid with a "rock comet" orbit. The meteors from this shower are slow moving, and experts believe it's intensifying every year.
Recent showers have featured 120–160 meteors per hour under optimal conditions, which are generally around 2 to 3 a.m. local time.
According to Wikipedia, the Geminids were first observed in 1862, much more recently than other showers such as the Perseids (36 AD) and Leonids (902 AD).
On the night of December 13 from 10 p.m. to 2 a.m. central time, meteor experts from NASA's Marshall Space Flight Center will be available to answer your questions via a late-night web chat.
More information on the NASA Geminid chat.
NASA says there's a second possible meteor shower that could significantly boost the number of meteors. The source of the possible new shower is Comet 46P/Wirtanen. NASA says debris from Wirtanen's orbit might produce another 30 meteors per hour.
News On 6 meteorologists Mike Grogan and Alan Crone say weather conditions in Oklahoma Thursday night and Friday morning should be good. They say there may be some high clouds, but overall conditions should be conducive to seeing meteors.
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Elle's living the dream—but whose dream is it?
Elle loves her life in Beaufort, South Carolina—summer days on the sand bar, coastal bonfires, and dinners with friends, sharing a lifetime of memories. She's found her stride professionally as the owner of a successful art gallery. Life is good.
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New York lawyer and recent widower Heath McCord imagines the lowcountry cottage he's rented for the summer is the balm his grieving heart needs. That and time to connect with his little girl. He's unprepared to meet his beautiful landlord, Elle Garvy, or the love her friendship awakens.
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Screenwriter Todd Farmer is awfully quiet for a guy who writes horror movies for a living. Hey, hang on a sec… aren't the quiet guys always the killers? Well, at least we made it out of the interview alive. But Farmer's latest film, My Bloody Valentine 3D, has some of the most inventive kills in recent memory. At this weekend's Bloody Valentine press junket in Los Angeles, the screenwriter talked to us about keeping the audience guessing, how he got roped into a small cameo as a total douchebag (director Patrick Lussier happened to be on hand to give us the gory details), and working with a "Death List". P.S. He also offered a sneak peek at his upcoming The Messengers 2: The Scarecrow. Tell us about this "Death List." Farmer: It was created by Gary Tunnecliffe, our makeup supervisor. It was a list of different ways to kill a person with a pick axe. I think we really got the best of the best from that list. I always call Patrick the Ron Howard of horror films. He's such a nice guy, and you don't get a lot of that in this business. But at the same time, you would be working really late into the night, and he would call and say, "Okay, there is this girl, and there is a shovel, and the guy takes the shovel, and cuts her face in half." I'm like, [long pause] "Uh, okay." I've done movies like this before, and these are some really excellent kills.
What is a bad pick-axe killing? In the foot?
Farmer: In the foot? No, in the foot would be great! That's a good one – I'm going to steal that one. That one causes pain… it's a build-up.
How hard is it to find that middle ground between keeping the audience guessing who the killer is, and yet not losing them in the process?
Farmer: There is a lot of back and forth, but that is the fun part of this process. At the end of the day, we were very aware of the movie we were making. But at the same time, the horror audience is a lot smarter than people give them credit for. So we constantly wanted them to be able to turn on a dime as to who the killer was. For this type of movie, that is a lot of the fun. A lot of time was spent on it, from draft one.
You have a role in the film yourself. You play a sleazy guy fucking the brains out of the character Irene (played by Betsy Rue), while secretly taping it. Did you hand-pick that role for yourself?
Farmer: No. Patrick did. There was some concern about hiring a local.
Lussier: We auditioned several different actors to play the role of Frank, but what we discovered is that they were getting really self-conscious about the fact that they would have to be naked. And they would play the part like total assholes. Todd plays it as a kind of loveable dick.
Farmer: Which is what I am.
Lussier: Frankly, I wanted someone who was going to make it all about Betsy. I knew Todd had an investment to make it all about Betsy. I had seen Todd act before, in Jason X. I knew he could do the part. From the second the character Frank was created, I saw Todd in that role. I didn't tell Todd that.
Farmer: Betsy is the actress; I'm the T&A.
Can you give us a preview of Clock Tower, the ghost story based on the video game?
Farmer: Honestly, probably not. I was the first writer on it, but there have been several writers since. It was a video game – Clock Tower 3 – that I really enjoyed. I played games religiously, and when I played Clock Tower 3, it physically scared me. So it was a fun project to work on, but I think it has changed significantly. It is out of my hands now.
And what about Messengers 2: The Scarecrow?
Farmer: That one is a funny story. For the first one, I was the first writer on that. It changed quite often, as Hollywood movies tend to do. My original script was not what ended up coming out. But the studio read my original script and said, "Hey, let's make a movie out of this." So I wrote one script, but made two movies out of it.
So Messengers 2 is your Messengers 1?
Farmer: Yes – but my Messengers 1 is also my Messengers 1.


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The Honors Program is a highly-respected offering that will enable you to pursue a heightened level of study, enjoy additional extracurricular opportunities, and earn additional scholarship funding.
Undergraduate Research
Student research at Wayland provides exciting opportunities for you to create new knowledge, position yourself for graduate study, and form meaningful, personal relationships with your professors.
Student Servant Leadership Program
Our Student Servant Leadership Program is an innovative offering that will present you with a variety of opportunities to live your faith, to develop your leadership skills, and to improve the community around you.
Study Abroad
Through our study abroad program and international learning opportunities, you may find yourself on a theatre tour in London, on an archaeological dig in Africa, studying art in Rome, or in the Australian outback.


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With over 15 years of experience developing custom mapping solutions, DBx GEOMATICS has in-depth knowledge of the challenges faced when implementing web cartography.
A wide range of data visualization software solutions are available, and DBx GEOMATICS can guide you in selecting and implementing the most appropriate business mapping software for an effective presentation of your data.
Our team of experts can deliver GIS solutions for small or large scale projects, including projects involving custom programming, scripting and/or multimedia. Our substantial experience in both GIS and web development is our key to developing many successful web applications.


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Modern Warfare 2 update confirmed
Don't fret if you are growing tired of Call of Duty: Modern Warfare 2 or have already completed all the levels - it has emerged that more content is on the way. Robert Bowling, Creative Strategist at Infinity Ward, Modern Warfare 2's developer, has confirmed that a downloadable content (DLC) update is currently being created for …
Now are suspicions are confirmed
The PC gamers amongst us always suspected that the real reason behind no dedicated servers or SDK support was money and we have been proven correct.
This topic is closed for new posts.


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In a continuing effort to make legal materials more easily accessible to judges, lawyers and the general public, the Massachusetts Trial Court Law Libraries are now offering free eBook access to Court Rules and the Massachusetts Guide to Evidence.
The electronic materials can be viewed on eBook readers, such as the Kindle or Nook, and can also be viewed on smart phone devices and tablets. Instructions on how to download the free app and links to the downloadable files are available on the Trial Court Law Library website: http://www.lawlib.state.ma.us/source/mass/rules/ebooks.html
In addition to the Massachusetts Guide to Evidence, the following rules are available for download:
New editions of eBooks will be available when a rule is changed, and announcements that an updated edition is ready to download will be made on Twitter, on the Massachusetts Law Blog http://masslawlib.blogspot.com/, and linked from the Trial Court Law Library's website http://www.lawlib.state.ma.us/index.html
There are seventeen Trial Court Law Libraries statewide that service the bench, bar and the public, each offering a wide range of print and electronic resources both on-site and remotely. The libraries are located in Barnstable, Brockton, Dedham, Fall River, Fitchburg, Greenfield, Lawrence, Lowell, New Bedford, Northampton, Pittsfield, Plymouth, Salem, Springfield, Taunton, Woburn, and Worcester. The website is www.lawlib.state.ma.us


text: Elianna Garves, 3, of Las Cruces, waves to her grandfather, Miguel Cabral, while riding the merry-go-round Friday with her grandmother, Jennifer, during the opening day of The Whole Enchilada Fiesta on Hadley Avenue. The TWEF parade begins at 11 a.m. Saturday (Sept. 29), when the floats will enter on Hadley Avenue. The family-friendly festival includes live music on two stages, Enchilada Land for Kids, the "Fire in the Whole" Enchilada Eating Competition, boxing, a car show, 5k and 1k fun runs, horseshoe and huachas tournaments, food vendors and a carnival.