You Are Paying Less Tax Than You Think

by Charles on February 18, 2015

in Tax

Like every year, I’m waiting until the last day to file my tax using TurboTax this year. But it doesn’t hurt to start preparing for it now. If you are single and your total gross income in 2014, you may have thought you were paying 28% in federal taxes since you are in the 28% tax […]

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How Much Does Using An Electric Space Heater Cost?

February 17, 2015

During the winter seasons, it’s quite natural to use a space heater inside your home to keep yourself warm. It’s been frigidly cold here where I live in Maryland the past few days. In fact, I even received an email alert from Baltimore Gas and Electric company saying that I’ve been using an unusual amount […]

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CDs Are Better Than Nothing

February 10, 2015

Last year, I started implementing a savings strategy popularly dubbed as the “CD Ladder.” Most frugal money savers probably already know about it but they also most probably have never tried it due to its slow maturing process. Well, I was tired of earning a measly 0.90% APR from my online savings account so I […]

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American Express Blue Cash Credit Card: Everyday or Preferred

January 9, 2014

Many of my friends have been asking me which American Express credit card they should sign up for. The answer really isn’t that simple because it depends on how you will use the card you sign up for. For instance, if you travel frequently, an airline or hotel credit card may be more suitable. If […]

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I Used Credit Card Points And Miles For Free Trip To Paris

September 20, 2013

I love credit cards for their perks and rewards. See my previous post, Points, Miles, and Cash, Oh My! How To Use Credit Cards. Whenever there is a good promotion for a certain credit card, I don’t hesitate to sign up for it. Between my wife and I, we probably have over 25 active credit […]

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Barclaycard Arrival(TM) Card Is One Of My Favorite Credit Cards

July 10, 2013

I recently signed up for the Barclaycard Arrival(TM) World MasterCard® to take advantage of the 40,000 bonus miles after spending $1,000 within the first 90 days. After using it a for a few weeks now, I’ve discovered just how much I love this card. It is definitely one of my favorite cards to use now, even for everyday […]

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Four Questions To Ask Yourself When Considering Refinance Of Your Home – Part 2

June 27, 2013

Mortgage rates are going up and for the past few weeks, you could say that the rates have actually been skyrocketing. The benchmark 30-year fixed-rate mortgage that was once in the low to mid 3’s are not in the mid to upper 4’s. Even though these rates are still historically low, home buyers and refinancers […]

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Redeeming Barclaycard Arrival(TM) Miles Is So Easy

June 12, 2013

I recently signed up for the Barclaycard Arrival(TM) World MasterCard® to take advantage of the 40,000 bonus miles promotion. I’ve already spent over $1,000 and received the full 40,000 miles in my account so I was eager to use them to see how user friendly the process was. I was pleasantly surprised to discover that redeeming the […]

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Redeem Discover Cashback Bonus For Valuable Gift Cards For Maximum Redemption Value

June 10, 2013

A friend of mine recently told me he has over $1,000 in his Discover’s Cashback Bonus account that has been accumulating for several years. Some people like to redeem whatever cashback bonus they earn through their credit card expenses immediately but others, like my friend like to hog them and let it accumulate until they […]

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