Archive for January 2010

Lending Club Using Social Networks to Help Verify Borrower Identity

Written by Nickel - One Comment

I just ran across an interesting post over at the Lending Club blog… In it, they talk about the importance of identity verification for fraud prevention and what they’re doing to improve identity theft detection. Here’s what they had to say: We continue to rely on methods of identity verification used by traditional lenders, but […]

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Published on January 29th, 2010 - One Comment
Filed under: Identity Theft,Saving & Investing
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Will Moving to a Higher Income Tax Bracket Cost You Money?

Written by Nickel - 61 Comments

I recently received a question from a reader that we’ll call Frank. Frank is up for a possible promotion, but was told by his boss that the pay increase would push him into a higher tax bracket, and would therefore “not be worth it.” Here are the details: I work 33 hours/week at $11.40/hour. My […]

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Published on January 29th, 2010
Modified on January 10th, 2012 - 61 Comments
Filed under: Taxes
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MyFICO Free Trial and 15% Discount Promo Code

Written by Nickel - One Comment

I was just filing some things away when I noticed that the e-mail confirmation that I received after canceling my free MyFICO trial included a promo code for a 15% discount. Here’s the scoop: SPECIAL SAVINGS + LIMITED TIME OFFER: You can continue to monitor important changes to your Equifax credit file and FICO score […]

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Published on January 28th, 2010 - One Comment
Filed under: Credit Cards
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When Should You Start Investing?

Written by Matt Jabs - 14 Comments

Shouldn’t I already be investing? Perhaps you’ve been asking yourself this question but have been unable to settle on an answer that you’re comfortable with. If so, you’re not alone… Many people push investing to the back burner because they’re unsure where, when, or how to begin building their nestegg. In fact, it seems that […]

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Published on January 28th, 2010 - 14 Comments
Filed under: Planning,Saving & Investing
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Paying Your Taxes with American Express Membership Rewards Points – Deal or No Deal?

Written by Guest Contributor - 6 Comments

This is a guest post from Adam Jusko, founder of IndexCreditCards.com, a credit card information site where you can compare credit card offers. Please consider following Adam on Twitter for quick credit tips and opinions. American Express recently announced that it was teaming up with two independent payment agencies to allow its cardholders to pay […]

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Published on January 27th, 2010
Modified on December 5th, 2013 - 6 Comments
Filed under: Credit Cards,Taxes
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How to Cancel Your MyFICO Score Watch Free Trial

Written by Nickel - 27 Comments

Have you signed up for the MyFICO Score Watch trial to get free access to your credit score? If so, and you now want to cancel before you get charged (you have 30 days), then read on… From their FAQs: Thank you for trying Score Watch Free Trial, we hope you found our product informative, […]

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Published on January 26th, 2010 - 27 Comments
Filed under: Credit Cards
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Getting a Better Deal on Our Home

Written by Laura Martinez - 7 Comments

Last week I mentioned that we finally closed on our condominium. As you might recall, we were originally supposed to close a couple of months ago, but the deal feel through at the last minute. Thus, we ended up negotiating with the builder to get a better deal while we were waiting. In the end, […]

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Published on January 26th, 2010 - 7 Comments
Filed under: Mortgages
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15 vs. 30 Year Mortgages: Which is Right for You?

Written by Nickel - 25 Comments

I’ve had mortgages on the brain recently. When assembling our mortgage history the other day, I was struck by the decisions that we face along the way. Aside from deciding when to refinance, the biggest decision that we faced was what type of mortgage to get. While we could’ve (arguably) saved some money by opting […]

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Published on January 25th, 2010 - 25 Comments
Filed under: Debt Reduction,Mortgages
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Haiti Donations to be Deductible in 2009 (If You Want)

Written by Nickel - 3 Comments

If you’ve been on the fence about donating to Haitian earthquake relief efforts, Congress just gave you one more reason to open your pocketbook… The House and Senate have both approved legislation that will let taxpayers claim their donations on their 2009 taxes. In the absence of this bill, you would’ve had to wait until […]

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Published on January 22nd, 2010 - 3 Comments
Filed under: Charity
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Effect of Paying Off Your Mortgage on Your FICO Credit Score

Written by Nickel - 60 Comments

Have you ever wondered what sort of impact paying off your mortgage would have on your credit score? I have. In fact, that’s the primary reason that I signed up for a free trial of MyFICO ScoreWatch late last month. Well… I now have my “before” and “after” credit score, and guess what? It went […]

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Published on January 22nd, 2010
Modified on July 21st, 2014 - 60 Comments
Filed under: Credit Cards,Debt Reduction,Mortgages
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