Personal finance
Enrolled in EFTPS in Anticipation of Taxes
I enrolled in the Electronic Federal Tax Payment System (EFTPS) on January 25 in anticipation of some tax payment again this year. Over the weekend, the first package with personal information and instruction on how to use EFTPS arrived, followed by another envelop with a PIN that I have to use to obtain an [...]
State of My Credit Cards: Use Them, but Responsibly
The last time I checked my credit score was last June and it was 699, largely due to the more than $50,000 0% balance transfers I put on four cards. At that time, I used FICO’s Score Simulator to estimate what my score will be if I pay off all the balances by the end [...]
Citi Elite PremierPass Card Received
A little over a week ago, I applied a Citi Elite PremierPass credit card after seeing some discussion on FatWallet forum. What interested me were
the promise of no annual fee, which is usually $75,
15,000 bonus points after 1st purchase, and
0% balance transfer for 12 months
At the time when I applied for the [...]
Priority: Paying off Debt or Investing
I have seen quite some debates on whether a person in debt should focus on high interest debts first and defer any investing until all the debts are paid off, or the two can be proceeded simultaneously. Depending on the goals of saving/investing, my arguments for taking the latter approach are:
For long-term goals, such as [...]
$100 Citibank e-Savings Bonus: Good News & Bad News
Got this offer in the email this morning.
First, the good news is you can get a $100 bonus if you open a Citi e-Savings account and fund the account with $5,000 before March 31, 2007. Conditions to qualify for the $100 bonus are:
$100 offer is only available for first-time Citibank deposit (checking or savings product) [...]
