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4-Week T-bill Rates and Savings & Checking Accounts

While I don’t use 4-week T-bills as a short-term saving vehicle any more, I still keep an eye on the rate changes, though I don’t expect the rate to become competitive any time soon after the sharp drop in September, especially after two consecutive rate cuts. The latest 4-week T-bill rate is at 4.008% APR. […]

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2007 Consumer Reports Ultimate Money Guide (II) – Borrowing & Debt

This is the second chapter of 2007 Consumer Reports Ultimate Money Guide. In the first part, issues related to shopping and spending were discussed. The main topic of this part is borrowing and debt, covering credit score, credit card debt, car loan and mortgage. Fixing a flawed credit report Request & review: Request all three […]

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ING Orange Savings Account $25 Bonus and $10 Costco Cash Card

About three months ago, I found a deal on FatWallet.com that American Express will give its Costco card member a $10 Costco Cash card for using the card to pay wireless phone bills. I signed up the program to pay my T-Mobile phone bill with the Costco TrueEarnings card. When I almost forget about the […]

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2007 Consumer Reports Ultimate Money Guide (I) – Spending & Saving

I recently obtained a copy of Consumer Reports’ 2007 Ultimate Money Guide. The 50-page report offers many useful tips that cover broad areas of personal finance. As the report claims that each tip is “short, to the point, and designed to help you make the right financial decision.” The report has 5 chapters: Spending & […]

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Health Savings Account: How HAS Can Save Money

It’s the open enrollment season again and next year my wife’s employer will start to offer a high deductible health insurance plan (HDHP). This means we will have the chance to take advantage of the Health Savings Account. From the material my wife received last week, the high deductible option has $1,000 deductible for a […]

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Do Not Call Re-registration May not be Necessary After all

When I first heard that registrations on the national Do Not Call list is about to expire late last month (every entry is good for only five years), I didn’t waste any time to renew my registration because I want to continue to enjoy a quiet dinner time. Well, it seems that a re-registration may […]

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Are You a Rate Chaser?

Though I have multiple online savings accounts and often move money around to get the best deal, I don’t consider myself a real rate chaser. Rate chasers, according to the definition in a NY Times article, are savers who hunt for the best interest rates at banks and credit unions and quickly move their cash […]

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Feeling Depressed? Maybe It’s Because of Your Job!

A personal care provider is twice as likely to develop depression than a software programmer, according to the latest National Survey on Drug Use and Health (NSDUH) report released last week by the Office of Applied Studies. The study focused on the relationship between depression and occupation among adults (age 18 or older) who work […]

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