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Carnival of Personal Finance #53

by Luke Landes

Welcome to the anniversary edition of the Carnival of Personal Finance! What a year it has been. The first Carnival of Personal Finance was posted on June 20, 2005. To celebrate the Carnival’s first birthday, I asked participants to submit two articles: a recent favorite as usual and one of their favorites from the past ... Continue reading this article…

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Deceptive Credit Card Offers, Part 4: Due Times

by Luke Landes

As you may know, I’ve been running a series this week, looking at several deceptive practices credit card companies have begun to use in the past few years. As credit issuers have been making less money on the spread between their borrowed cash and the interest they charge their customers, the companies look for new ... Continue reading this article…

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GMAC Online Savings Account

by Luke Landes

Flatbeer asked me: GMAC raised the interest rate to 4.75 percent ($500 min). I checked the general FAQ and you can now download account info into Quicken & Money. With electronic transfers, downloadable account info, checks, AND a VISA check card, I would think that most people would choose this option for an online money market ... Continue reading this article…

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TIAA-CREF Didn’t Fund My SEP IRA

by Luke Landes

In order to reduce my 2005 taxes a little, I decided to throw some of my self employment income into a SEP IRA. The great thing about SEP IRAs is that I can invest above and beyond the normal contribution limit for Traditional and Roth IRAs as well as beyond the employer 401(k) plan offered ... Continue reading this article…

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Where’s My Tax Refund?

by Luke Landes

Earlier today, I finalized my tax return calculations and filed them online. I was able to file my federal taxes for free, but rather than do my state taxes separately and mail them for free, I opted to pay a fee — about $15 — to file them online as well. Although I’ve done that ... Continue reading this article…

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Sort Out Your Finances

by Luke Landes

David Bach’s latest column on Yahoo Finance serves as a checklist for getting your personal finances in order. I went through this process several years ago but it would have been nice to have some guidance. Simply getting your information together in one location is the essential first step in organizing your financial life. Here’s ... Continue reading this article…

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I Can See Them Sitting On My Desk

by Luke Landes

I received three checks in the mail yesterday for quasi-volunteer work I did this fall, but sadly, I left the checks sitting by my computer at home. I won’t be back home until the Sunday after Thanksgiving, so that’s about $350 I won’t be adding to my bank account until later. Why bother issuing paper ... Continue reading this article…

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Shopping For Experiences

by Luke Landes

According to CNN, the new luxury gift this year is an experience. Rather than treating loved ones to clothing or electronics, the new trend is supposedly providing them with an experience and the memories associated with it. If you ask the people who sell these gifts, they will tell you it’s an escalating trend. I ... Continue reading this article…

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