The Sun's Financial Diary

And no, this is not the balance transfer fees, which is another $75. The current balance transfer was made in June and will expire in December. Since I only have the balance transfer in my account, I usually don’t check the statement, assuming that as long as I pay the minimum, everything should be fine. [...]

And it’s Equifax’s turn. With the recent amendment to the federal Fair Credit Reporting, getting a free credit report has never been easier. Now everybody is eligible for one free credit report from each of the three credit agencies. Since 2006, when the free credit reports became available for New Jersey residents, I set up [...]

on my local radio station   “I think we’ve come up something that is going to be spectacular. And exactly what he is referring to? How to become a real estate guru and how to make millions in the real estate market. Seriously, do you believe what he said? A couple of years ago when [...]

Received in the mail tonight, starting October 13th, the new Citi Dividend Reward program works as follows: 2% cash back on purchases made at supermarket, drugstores, and gas station; 2% cash back or more at convenience stores and for electricity, gas, water supply, refuse services, excluding phone services; 1% cash back on all other purchases; [...]

Good news for PNC Bank customers. If you use PNC Bank, soon you will be able to get cash from any ATM around the world for free. MarketWatch reported today that starting September 1st, PNC Bank customers can access ATMs worldwide without paying any fees. The bank will reimburse access fees charged by other banks [...]

The rumor is out that Citibank will terminate the 5% cashback program of its Dividend Platinum Select Cash Back Rewards credit card (When I checked the Citi’s web site today, I couldn’t even find the Dividend card.) Currently, the card gives 5% cashback on purchases made at gas stations, grocery stores, and supermarkets. Beginning in [...]

I have three Chase credit cards (the Freedom Card, Amazon Card and Sony Card), and since some time last year, I started to receive 0% balance transfer offers from all three cards at almost the same time every month. The terms however are little different from those that came with new cards. Those offers were [...]

Well, after a long delay, I finally called Vanguard this morning to check out the possibility of transferring my Roth IRA assets currently at Scottrade to Vanguard. I currently have a total of five funds in my portfolio and four of them are Vanguard funds: VTSMX, VWELX, VGTSX, and VIPSX. The only exception is BRSIX, [...]