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New Bank Findings: WT Direct and Salem Five Direct

I have noticed recently two “direct” online banks that offer competitive rates. Though both of them have decent introductory rates, the high minimum balance required to get rates make them less appealing if you have a small deposit. One is WT Direct, a division of Wilmington Trust. For balance of $10,000 or more, the bank […]

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Time Magazine Story about ING Direct

Somehow I have the feeling that ING Direct has lost its luster as the leader of online banking, the position that it held for several years before everybody in the banking industry started to offer “direct” banking with similar products. My reason is the rates of their Orange Savings Account have consistently fallen behind its […]

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Online Interest Checking Plus Savings Accounts: Who Offers the Best Deal?

I have been using internet banks for more than eight years. The first internet bank that I remember I used was NetBank in 1999. At that time, there aren’t many banks that offered savings accounts with decent rates. My local bank, Summit Bank (then Fleet Bank, now Bank of America), had a rate that was […]

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Did I Misread Discover Miles Card’s Promotion?

A year ago, when I opened a Discover Miles card to use their 12-month 0% balance transfer, I thought I also get 12,000 bonus miles, except that that bonus never came. As the promotion period is expiring, I called them last week to confirm the exact date that I will have to pay off the […]

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Credit Score and Insurance Rate

Early last week, Kiplinger’s Personal Finance website has an article that discusses the relationship between credit score and insurance rate. The main message of the article is that insurers look at your credit history and credit score differently from lenders. For example, the number of new credits obtained within a year plays a key role […]

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My Continued Problem with AMEX and the Unauthorized Charges

Since last December, I kept getting a $37.90 charge on my American Express TrueEarnings card. The charge was from an internet payment company in Netherlands for a monthly subscription fee. After I noticed it in February, I called AMEX immediately to report the unauthorized use of my card and was told there will be an […]

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Personal Saving and Investing System

I have multiple accounts. Not just multiple online savings accounts, but pretty much every type of account: investment accounts, brokerage accounts, retirement accounts, etc. The only exception is checking account, which I have only one. Despite the seemingly large number of accounts, the whole saving and investing system so far has worked quite well for […]

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Two Unexpected New Credit Cards

I got two new credit cards , but I really didn’t apply for any of them . Last night I received two new credit cards in the mail. One is from Bank of America and the other one is from Lowe’s. They are both replacements of the cards I already own. However, both of them […]

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