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Key Differences between Traditional and Roth IRA

Last week I got an email from a reader about the difference between Traditional and Roth IRA. The question is more on the withdraw side than contribution side. After giving a quick answer, I feel I can expand it a little bit with more information on this topic. But tax rules are always complex, so […]

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Where to Live with Less Taxes, then Do You Want to Live There?

CNNMoney.com yesterday has an article which listed top 5 most tax-friendly states and top 5 states with the most heavy tax burdens. According to the article, For the 17th year in a row, the far Western state earned the distinction of being America’s most tax-friendly state. Among them, Alaska ranked No. 1 with the lightest […]

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Which Mortgage is Right for You and Why

MSN Monday today has an article on some common mortgages with brief discussions on which type of loan makes more sense under certain circumstance. The following are excerpts from article. I added the “What” section to give definitions of each loan type for easier read. Buying for the long haul Loan: 30-year fixed rate mortgage. […]

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Chase Freedom Card Received but Not as Good as Thought

About two weeks ago, I applied and approved for a new Chase Freedom card. The main reason for me to apply the card is the advertised $250 bonus after first purchase, though I can still use the 3% cashback on grocery store, gas, and fast food restaurant purchases. What could be better than $250 free […]

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This Week’s CoPF at Tired But Happy

It’s kind of late, but this week’s Carnival of Personal Fiance is at Tired But Happy. If you haven’t got a chance to go through the entire carnival, here are some articles that I think are quite informative: 5 Ways Balding Gracefully Can Save You Time, Money and More By Clever Dude Costly Tax Mistakes […]

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Citi Diamond Preferred Reward Card $100 Gift Card Deal

Plus, you will also get 0% balance transfer for 12 months 5 reward points on every dollar spent on purchases at supermarkets, drugstores, and gas stations. For the 0% BT, the card’s terms and conditions say The transaction fee for balance transfers is 3% of the amount of each balance transfer, $5 minimum, $75 maximum. […]

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Citibank Credit Cards Balance Transfer Fees Increased

I have done a number of 0% balance transfers using my Citi cards in the past four years, and all of them were fee-free: I paid absolutely nothing for the free loans, including the latest BT from Citi PremierPass card. Though the card carrier says there’s a maximum fee of $250, my statement tells me […]

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Another Charge from Netherlands

As I expected, another charge of $37.90 from Netherlands appeared on my AMEX Costco card when I checked my statement line-by-line over the weekend. It has been more than a month since I reported similar charges to American Express and except a letter acknowledging my report and assuring me an investigation is underway, I haven’t […]

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