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Credit Card Interest Rate Games

    ๐Ÿ“‚ Financial,Money         ๐Ÿ—จ One Comment

Citibank MasterCard - for me it started years ago like many others. The 0% offer in the mail and the 1% cashback, and I was in the game. Fast-forward a few years and the cashback is still there but I just received a notice that the interest rate on the card will soon be 23.99%. — Continue reading ยป

Credit Card Foreign Transaction Fees

    ๐Ÿ“‚ Money         ๐Ÿ—จ No Comments

This is probably old news to some but it came as a surprise to me. As I have done so for many years, I booked a flight online with a foreign carrier with offices in the US and made a credit card payment in US Dollars. About a month later I got slapped with an — Continue reading ยป

Amazon Vs. Internet Sales Tax

    ๐Ÿ“‚ Internet,Law,Money         ๐Ÿ—จ No Comments

As an Amazon Associate (you can see the banners even on this page), I have been following the spat between Amazon and the cash-strapped states that are legislating Internet sales taxes. The states argue that Amazon Associates in their jurisdictions are tantamount to company branches constituting presence and therefore any sales made to their residents — Continue reading ยป

Cell Phone Tax

    ๐Ÿ“‚ Financial,Money         ๐Ÿ—จ No Comments

Saw this article the other day that makes one wonder how desperate the government must be. Seems like if you have a company-issued cell phone and you use it for anything personal, the value of that use should be reported as income to be taxed. So guess if I'm in the office and scribble a — Continue reading ยป

The Inverted CD Yields

    ๐Ÿ“‚ Financial,Money         ๐Ÿ—จ No Comments

I was checking ING DIRECT's CD (Certificates of Deposit) rates today and wondered how long will they continue to be inverted. A 6-month CD currently has an APY of 3.3%, while that of a 4-year CD stands at 2.5%. What I would really like to see is a normal curve, where the longer the CD — Continue reading ยป

Bank Service Agreement

    ๐Ÿ“‚ Business,Money         ๐Ÿ—จ No Comments

Every time I receive a new service agreement from a bank or a credit card company I know they've devised a new way to profit from the consumers. Remember when many credit card companies shortened the payment cycles (grace periods) from a full month to three weeks or less. That was their ingenious way to — Continue reading ยป

Tax Spam Season

    ๐Ÿ“‚ Financial,Money         ๐Ÿ—จ No Comments

You know the income tax filing deadline (April 15th) is nearing when tax-prep companies rev up their spam engines. This one from H&R Block is offering half-off their regular prices. Obviously trying to push through a few more sales before the filing season is over and they are back in the lull period. I'm sure — Continue reading ยป

Prospectus Paper Waste

    ๐Ÿ“‚ Email,Financial,Money         ๐Ÿ—จ No Comments

Like many people I have a 401(k) account through my employer, invested in a few mutual funds. I can appreciate that by law mutual fund companies have to send their clients their prospectuses (prospecti?) whenever there is a change in their investment strategies, but I was getting tired of receiving these booklets in the mail. — Continue reading ยป

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