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Save (50% less than bank charges, not to mention a more extensive selection) and locate the quality personal bank checks to order, address labels, contact cards as well as checkbook covers. September 25, 2013 by Matt 36 Comments This post will explain how to fund an IRA with a Credit Card, if you are able to follow the steps here you can gain thousands of dollars of extra money through a trifector of: Credit Card points, Tax Rebates and Interest Free Loans. Pre-Authorizing Bluebird ChecksBluebird asks that you pre-authorize checks prior to mailing them out to do this just click on the link on the left of the Bluebird screen and follow the prompts, pre-authorize your check for the amount you wish to send to your Brokerage, and enter the code they provide to you on the face of the check, mail it to your Brokerage, and you are good to go. The Traditional IRA will allow you to defer taxes until your seek to withdraw in retirement, contributions to it will reduce your current tax bill and put more money in your pocket.
The ROTH IRA will not allow you to reduce your current tax bill, but you also will not have to pay any taxes when you withdraw in retirement. Your 401(k) ImpactAn IRA has nothing to do with a 401(k) and you can max out your contributions to your work plan, then also put the full amount of $5500 into your Traditional or ROTH IRA in the same year, think of it as topping up your retirement savings. You are able to contribute any amount up to $5500 ($6500 if you are over 50 years old) for 2013.
The ProfitYou decide how much you want to put into your IRA based upon your own needs, here is one example, ideal for someone who has already a nice amount of money in their 401(k) and just wants to add another $1,000 for almost free.
Furthermore, if you decide to fund a Traditional IRA you get to claim the $1,000 as a deduction. So by paying $1,000 into your Traditional IRA you would get $354.41 back in your pocket from saved taxes. Total Balance on card = $233.34Therefore, you have just adding $1,000 to your retirement account for a cost of $233.34!
Filed Under: Finance, IRAs Matt is passionate about making smart financial decisions to empower a fantastic life.
Firstly you get a 12 month interest free loan which could be critical from a cash flow perspective in order to meet the deadline.
2) The $10.07 statement credit you earn by purchasing the pre-paid card is just choosing to spend on your Barclay card (or whichever one you use) in one way vs. 4) The one potential benefit of this strategy that I can see is if you already have the contribution money but you’d rather use the leverage inherent in this strategy to try and double your returns. Again, the only reason to do this would be for the leverage, and it carries the same risk for someone who just doesn’t have the money to contribute at this moment, but it seems like a much simpler way to go about it.
I think the point is you get the rewards on a transaction (retirement contribution that normally you would not get). Scenario B: The person has no savings but does have the cash flow above basic living expenses to afford a contribution. Scenario C: The person has no savings and does NOT have the cash flow available above basic living expenses. I have no problem with someone executing this strategy if they truly know what they’re getting out of it.
Certainly they could apply for the Barclaycard arrival card and spend the $400 signup bonus on something else, such as a TV or get 2.2% back if they spent it on travel, but how about using it to offset their retirement accounts? To say that a person can lose more money because they have more money is a silly argument, it is true if you keep the same asset mix but advising someone to have a lower saved balance so as to lose less if things don’t go to plan is ridiculous advice. There is value in this method for everyone, if your own situation is different from the scenario then you could earn less, or more than the example given. Your point about the loan period being long enough to trigger the rebate from the IRS is an interesting one that I had not considered. A person who has the ability (in the sense that they meet the salary requirements and have not fully funded the IRA already) to put money into an IRA but who cannot due to lack of liquidity in their cash flow can extend the period of time needed for contribution, and furthermore can finance said contribution over a period of upto 1 year.
By doing so, they are able to access the additional money that the tax advantaged nature of the contribution will provide, which otherwise would have been taken off the table when the deadline for contribution has passed. Furthermore, not everyone that does not have the $1000 (or more) is poor, or in debt, you can actually use this policy if you are far from that, but living a lean lifestyle.
I agree about the income limits, and will add in a note about that, since if you do earn too much you can’t claim the tax deductions. I think this works really well for a very clear segment of people, less so for those high earners, it seems that many of my readers earn a lot. Therefore, giving access to start building a retirement account, or accelerating it are good things.
Yes, scaling is limited – it is an IRA which is by nature scaled to $5,500 per person per year. I genuinely wrote it into reply to a twitter exchange yesterday where the guy said he might not have enough left over to fund his ROTH, I propose a Traditional over the ROTH in order to get the tax savings to pay down the account, and said put it on the card. Thanks Jacob, I wrote it for you after our exchange on Twitter, there are lots of people who can seriously benefit from this! Did you know, by purchasing direct you save half off what your financial institution will charge and get a greater, more diversified selection? Order Your Personal Bank Checks Online - over 800 personalized designer selections and you'll save a bundle! Order Business Checks quality bank checks & computer checks that exceed industry standards. Save up to 50% on Business, Laser & Ink-Jet Checks Save and extra $5.00 enter code BWE205! When you order checks, you need to keep in mind not only the price but also laser check security.
According to Federal Reserve Payments Study, consumer and business checks account for large amount of unauthorized transactions.


Many Chief Information Security Officers are concerned with check security, when companies order checks. In growing companies many internal processes become decentralized, managed from different software packages.
The most common check fraud that occurred in 62% of organizations in 2013 was counterfeiting by altering the MICR line that is printed on a check. Many of the above cases of check fraud can be prevented with the use of secure check stock and secure check printing software. There are many types of watermarks that can be printed in front or on the back of the checks.
Grades of papers commonly used for the preparation of payment documents include bond, forms paper, carbonless paper, various safety papers, and special cheque papers including recycled paper. You can find draft checks, payroll checks, laser & inkjet checks, and continuous feed checks here. Order checks ranging from plain checks, scenic, patriotic, your favorite hobby, pet cats, dogs, cars, motorcycles, sports, funny to fine art.
That may come out ahead depending on what the market does during that period, but it seems like a lot of hassle for a relatively small benefit that actually might just end up as a net cost. Whatever contribution amount you decide to make, you’re eventually making with your own real money at some point, either in the form of a direct contribution or by paying your credit card balance after using this strategy. It’s simply the benefit of contributing which can be done this way or conventionally. If you end up not being able to pay it back on time you’re hit with big interest rates that make this strategy a net loss. In this case you actually CAN afford it and the deduction is available to you no matter what.
They’re just choosing to use that cash flow for other things (other savings, travel, eating out, whatever).
In this case, you actually do have the benefit of a deduction otherwise unavailable BUT at the cost of living above your means.
It’s simply a feature of a contribution you could make either conventionally or through this method.
I will give you that the 2% cash back is a net benefit and, to me, the primary benefit of this strategy. You can only attribute it to this strategy if all of your regular spending money is already taken up by other credit card churning opportunities.
An interest-free loan is nice to the extent that you do something productive with the money. I applaud the creativity here and I think this is an interesting approach for anyone who’s already maxed out their churning ability with their regular spending, or for anyone who wants a way to get cash back on a little more money. How does a flipside potentially double your losses – if you have the money put the payment on the card using the VR strategy, earn the points, pay off the card and you are better off. First of all you won’t pay back $1000 in 12 months by paying $20 a month ?? Second it is just a huge assumption on the part of the tax benefits. People should still look to max 401ks and do the Regular IRAs if they can get the tax deduction or Roth IRAs if they are not limited by income. All it takes is one missed payment and the whole thing gets to be very expensive proposition. First, SAHM can absolutely get her own IRA, as long as you file a joint return and the husband has income. Something else you might add is a Saver’s credit, which would give 10 percent (or more) on the first 2000 dollars contributed to an IRA for each spouse.
I agree with other commenters that playing with debt can be risky, but this can work in a scenario when you already have the funds and will pay off the credit card immediately.
Order from a multitude of check designs ranging from plain checks, scenic, patriotic, your favorite hobby, pet cats, dogs, cars, motorcycles, sports, funny to fine art.
You can order address labels accessories, identity cards, and checkbook covers and business checks and accessories.
Positive Pay software allows a customer to generate and transmit a file to their bank referencing the checks that have been issued with check printing software. Another wide-spread fraud technique involved the alteration of the payee name on issued checks.
Order checks from established companies and pay attention to all the security features and check compliance. A reflective hologram image that cannot be reproduced, photocopied or removed, the hologram is a highly visible indicator of authenticity. You can order accessories to match, like address labels, identity cards, and checkbook covers and business cards. You could just as easily directly contribute the $500 and use your Barclay card on a different $500 purchase.
Instead, choosing to use this strategy is choosing to take advantage of leverage (the pros and cons of which are discussed in #4).
If that’s not the case, which I think applies to the large majority of the population, then the signup bonus is attributable to spending on the card that could happen anywhere and is not unique to this strategy. As is the signup bonus if you legitimately already use all your other spending on other signup bonuses. As I say in my previous comment, that cash back is a benefit, and is in fact the main benefit of this strategy.


If you have a different scenario in mind than the three I presented, please feel free to elaborate. It’s that most people have the $1,000 available in their regular spending budget already, just from things like groceries, insurance, utilities, etc.
For others, I think the stated benefits are being applied inappropriately when looked at from the point of view that they’re available in other ways.
You can only take a tax deduction if your income is below a certain level, which is just $69,000 for a single tax filer (that is about the rate a phone answering admin straight from school earns in NYC). Doing non deductible IRAs is okay but there is a lot of pain in the back end keeping track of the taxability of the distributions (probably not worth it).
Second, as a former tax professional, I would also be very leery of advising someone to put IRA on a credit card, even with 0 percent interest for a year.
There is a way to reduce the loss from check fraud that in 2014 accounted for average $23,100 per company. Branches may have different procedures, different payment systems, and multiple bank accounts. The bank then takes responsibility to cash only those checks referenced in the Positive Pay file. Both can be avoided with the use of check printing software saving companies money and headache.
Go for blank laser check paper stock that meets and exceeds the requirements for the Check 21 Standard. That achieves the exact same thing of using a loan to finance your contribution, without the hassle and cost of using the pre-paid cards? The 2% cash back on the $11,000 is $220 (I’m not counting the bonus points because, again, you can get those from spending on anything). You may hope you have the money later, and may even reasonably expect it, but in between life happens and any hiccup can send you into a very negative debt cycle. But sure, for the small part of the population who doesn’t have the room in their regular spending for another credit card churn, this could be a nice way to do it.
If you have the money to back it up and the $12 cash back on a $1,000 contribution (1.21% to keep things consistent) is worth the effort to you, then go for it! And I also think it’s dangerous for someone without an extra $1,000 to their name to start using credit cards to find it, even if it is for a noble goal such as retirement. Same bang and probably much smoother as you avoid (low) chances of getting Bluebird running into some issues and then having to deal with its atrocious customer service. Although it’s easier to pay my student loan company online, I might try this for my next big lump sum payment — with the caveat that I would never EVER do it without having money in the bank to pay off the credit card immediately! There is a huge potential savings in centralizing payments operations and companies can increase security and efficiency of payment processing. It can be used for processing accounts payable, payroll, dividends, refunds, claims and other secure documents.
Padlock icon can be pre-printed on checks or can be dynamically printed when using software for check printing. Bluebird Sign UpVanilla Reloads are prepaid debit cards that you can find in Pharmacies, Gas Stations and Grocery stores, the come with a purchase fee of $3.95 per card, and can be loaded with up to $500 from your points earning card. And most people do not face state and city taxes that combine into double digit taxation rates. In this case the necessary check attributes will be printed on the blank laser forms using check printing software. One department can manage payments with combination of check writing software and electronic ACH payments, reducing labor cost, order checks cost and increasing efficiency.
In my example of leverage above, after paying back the loan you’re left with $600 after an initial $1,000 investment of your real money. The trouble with this kind of idea is that it would be too easy to forget that the $1000 was funded on the credit card until the interest kicks and then the money is tied up in the IRA. There are many packages available on the market ranging in price, security features, and integration with ERP system.
If you’re doing it for more than that, you really need to understand the other options available to you that can likely achieve the same thing.
That’s a 40% loss on a 20% market decline and is very different than if you had actually invested $2,000 of real money and would be left with $1,600. If you are just above the threshold earning $70k you can put ~23.5% of your income ($16,500) into a 401k if you want.
These IRAs are more useful for people who either don’t have access to a 401k plan or like me want to save more than the $16,500 allowed per year in a 401k on a tax deferred basis. It’s just an attribute that increases risk and the decision to use it should be made with that understanding. But again, you can accomplish this same thing without the pre-paid cards, as I mentioned in my previous comment.
So it all goes back to the REAL benefit of this strategy being the 2% cash back, which is nice but not life-altering.



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