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Am I Paying Too Much for My 401(k)?

An article in yesterday's USAToday prompted to check the fees I paid for those funds in my 401(k) plan. Unlike mutual funds holding in my taxable accounts, in which I have the flexibility to choose from perhaps hundreds of funds in the same category from as many companies, the number of funds in my 401(k) […]

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Best Way to Transfer Balance

In my yesterday’s post, So How Many Credit Cards Can You Have and Still Get a Good Credit Score?, I said that at one time back in June I had nearly $51,000 balance on four credit cards, all due to 0% balance transfers. I LOVE (yes, LOVE) to take free loans from credit cards (new […]

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How Many Credit Cards Can You Have and Still Get a Good Credit Score?

While I generally agree that too many hard inquiries (voluntary inquiries) in a short period of time (however if the inquiries span only a couple of days, they will be reported as one inquiry rather than multiple one) hurt your credit score in the short term (FICO only uses the hard inquiries in the past […]

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Vanguard, I AM Disappointed

If it's not for your mutual fund products, I probably don't want any business with you!  Well, that was my feeling after a 30+ minutes phone conversation with Vanguard last night. I thought I already had enough trouble with Vanguard for our Roth IRA assets transfer, but it isn't over. When I got home last […]

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March of Dimes: Double Donation with MasterCard in November

Got this email from March of Dimes a couple of days ago: During the month of November, MasterCard Worldwide is helping the March of Dimes raise awareness and double our fundraising efforts in the fight against premature birth. MasterCard will match your gift dollar for dollar when you make your donation using a MasterCard card. […]

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4-Week T-Bill Rate Kept Rising

The lastest 4-Week T-bill rate from last Tuesday’s auction is 5.176%, already surpassing interest rates offered from some popular banks, such as EmigrantDirect and HSBC, which earn you 5.05% APY. If you want to get some other alternatives for your cash reserve, you may want to consider E-Loan, which has a very appealing 5.50% APY […]

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Money-Making Idea: Blogging

Ever since I started blogging, like many fellow bloggers out there, the idea of monetization is always with me. Having tried many different ways (such as AdSense, Text Link, Ontok, PayPerPost, and YPN) to generate some side income while blogging, I found that by far the most successful one is with PayPerPost. No hassle, easy […]

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What Are Those $100,000+ Gains Exactly?

Last night, when I finished the final calculation of our October net worth, I found that we had a net increase of $106,792 in the first 10 months of this year. That was really a surprise as I never expect we can do this well. So exactly where did those gains come from? Here's a […]

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