Archive for September 2010

AmEx Premier Rewards Gold Card: 25k Points ($250) Signup Bonus

Written by Nickel - One Comment

Woohoo! American Express has brought back their 25k Membership Rewards bonus point signup promo for the AmEx Premier Rewards Gold Card. What can you do with 25k Membership Rewards points? Well…
You can convert your points into frequent flyer miles or you can redeem them for $250 worth of gift cards at stores like Home Depot, [...]

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Published on September 30th, 2010 - One Comment
Filed under: Credit Cards
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Marriage and Money: Is Your House Divided?

Written by Neal Frankle - 9 Comments

If you and your spouse (or partner) define “frugality” differently, it could lead to major problems in your relationship.
For example, you might think that going to Quicky Mart for a frozen yogurt is a nice little treat. But if your “other half” thinks it’s a lavish and extravagant waste of money, then you’ve got problems. [...]

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Published on September 30th, 2010 - 9 Comments
Filed under: Miscellany
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New FTC Debt Settlement Rules

Written by Nickel - 4 Comments

Earlier this week, new FTC rules aimed at debt settlement companies went into effect. These rules are aimed at preventing firms from mis-representing themselves to consumers.
Over the past couple of years, as the country sank into recession, the debt settlement industry boomed. This explosion was accompanied marketing campaigns promising to wipe away the majority of [...]

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Published on September 29th, 2010 - 4 Comments
Filed under: Debt Reduction
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Lending Club Update – August 2010 Performance

Written by Nickel - 25 Comments

Time for another Lending Club update… My net annualized return recovered slightly from 9.5% in July (thanks to another charged off loan) to 9.6% at the end of August. It has since creeped a few hundredths higher.
As for my “real world” performance (calculated using Quicken) I closed out the month with a lifetime annualized return [...]

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Published on September 28th, 2010 - 25 Comments
Filed under: Saving & Investing
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Preparing For the Unexpected

Written by Laura Martinez - One Comment

Even though my husband and I are both fairly young and in great health, we’ve decided to get on the ball and get our wills done. Like many people, we’ve been putting this task off, but now it’s time to site down and spend some time planning. After all, unexpected things happen.
I’ve been gathering information [...]

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Published on September 28th, 2010 - One Comment
Filed under: Planning
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The Best Travel Websites

Written by Nickel - 5 Comments

I’ve just returned from a cross-country trip and my wife is about to head out on one of her own. I thus thought that now might be an opportune time to talk a bit about travel planning.
Not surprisingly, we do virtually all of our travel planning online. What follows is a rundown of our favorite [...]

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Published on September 27th, 2010 - 5 Comments
Filed under: Online, Travel
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Our HSA Investment Options are Horrible

Written by Nickel - 11 Comments

Not quite a year ago we made the decision to switch to a high deductible health plan (HDHP). In our case, it was a no-brainer. The quality of the coverage was just as high as with our old plan; the only difference was a $3000 family deductible.
Because we opted for an HDHP, we were also [...]

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Published on September 24th, 2010 - 11 Comments
Filed under: Insurance, Saving & Investing, Taxes
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Do What You Love: A Sure Fire Recipe for Small Business Disaster

Written by Neal Frankle - 9 Comments

Even though the economy is challenging, you might be looking to change your career. Maybe you’ve even thought about opening your own business.
I’m with you. But tread carefully.
Common wisdom can be both helpful and dangerous.
For example, it tells us that most small businesses fail because they don’t have enough cash flow or are under-capitalized.
That’s true [...]

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Published on September 23rd, 2010 - 9 Comments
Filed under: Self Employment, Working
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Credit Card Annual Fees: Should You Close Your Account?

Written by Nickel - 11 Comments

The other day, a reader named Annie wrote in to ask me for advice on dealing with a new annual fee on her Capital One credit card account. She wrote:
What’s your take on Capital One’s new policy of an annual fee for existing cardholders? This is my oldest card, and I don’t want to close [...]

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Published on September 22nd, 2010 - 11 Comments
Filed under: Credit Cards
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The Future of the Schwab Visa Cash Back Credit Card

Written by Nickel - 80 Comments

An anonymous reader wrote in today with a bit of information on the future of the Schwab Visa cash back credit card. In case you’re not familiar with this card, it offers 2% cash back deposited into your Schwab brokerage account.
Earlier this year, Schwab stopped accepting applications for this card, but existing cardholders were allowed [...]

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Published on September 21st, 2010 - 80 Comments
Filed under: Credit Cards
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