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$50 Bonus for Opening a HSBC Premium Money Market Account

HSBC is currently running a promotion for its Premium Money Market Account. If you open a new HSBC Premium Money Market Plus Savings Account with an initial deposit of $3,000 from till May 31, 2007, you can get a $50 bonus. Features of the money market account: No monthly maintenance fee No minimum balance Tiered […]

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Taking the First Step to Simplicity

Last night when I called American Express to dispute the seemingly never ending charges on my Costco card from Netherlands (yes, it came again and AMEX only told me to be [more] patient after 8 weeks of investigation), I took the first step toward simplifying our finance by asking AMEX to close one of my […]

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Where I Put Our Emergency Money

Ben at Money Smart Life is hosting the second edition of What’s Your Money Question? this week (the first edition is right here) and this time the questions asked is Is there such thing as saving too much money in an emergency fund? What’s the best place to keep the money you do save so […]

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Compare Your Savings Rate against National Savings Rate Guidelines

So are you saving enough (or too much) for your retirement? Given your age and income, do you know how much you should set aside every month now so you can have enough fund to cover your daily expenses when you are at age 65? In the April issue of Journal of Financial Planning, a […]

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Should We Simplify Our Finance?

Some how I started to feel that we need to make some overhaul of our finance to make it more efficient and easier to manage, though we haven’t reached the point that things are out of hands yet. Partly because that getting a credit card, opening a bank account, and buying a stock are so […]

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Correct Excess Contribution in Roth IRA Accounts

We realized last weekend after we were done with our income taxes that we, my wife and I, had made excess contributions in our Roth IRA accounts. Based on our income numbers, TurboTax said we were only eligible for $200 Roth IRA contributions in 2006, instead of the maximum $4,000 we made throughout the year. […]

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Reader Question: Is it OK to Get a Business Credit Card when I Don’t Own a Business?

I got this email from a reader this morning regarding Chase business card: I have received multiple pre-approval letters from chase for a business credit card. 3% cash back at home improvement centers, 3% cash back at restaurants, 3% cash back at Staples and such. Being a new home owner the lure of 3% cash […]

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Who’s Checking My Credit?

I know every time I apply for a credit card, buy a car, or open a bank account, I will receive a credit check from the lender. That’s understandable because the lenders need my credit history to assess my ability to pay the loan back. In these cases, I am the borrower and the banks […]

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