We've been working on building up our savings for various reasons.  One reason is a planned vacation to WDW (shhh, it's a secret from the kids).  Recently I decided to open a separate savings account for this venture and we went with an INGDirect account.  It earns 4.5% APY and is fairly simple to set up.  Now that I have my account up and running, I wish I had been referred by someone with an existing account because I would have earned $25 for making an initial deposit of $250!  That's a 10% immediate yield!  $25 may not seem like much to most people these days but I'm of the opinion that ANY earned money is worth something....especially with compound interest!  This $25 is more than most people make in a single hour (my SAHM-self included) and yet we work those 60 minutes anyway.

Now that I have an account, I can send referrals to anyone I like.  If their initial deposit is $250 or more, they will earn $25 and I will earn $10.  So, if you are interested in opening a high yield INGDirect account and would like to get the $25 bonus money, just send me an email to j.blair.lane@gmail.com with the email address you'd like me to send your referral link to.  Remember, your initial deposit MUST be $250 to qualify.  Then, once you have an account, you can tell all your friends and relatives (or advertise to complete strangers on your blog) and offer them free money as well.  I could use the $10 and I'm sure you could use and extra $25.