Monthly Archives: January 2007
Why You Shouldn’t Use A Cash Advance
| January 31, 2007 | Posted by derek under Credit Cards |
Credit card companies are really good at marketing and enticing people to use their various product offers, including convenience checks and cash advances. However, as many of you already know, using a cash advance is often times a losing bet for the consumer. While it is possible to use your credit card to obtain cash,… continue reading
HSBCDirect Account Update
| January 29, 2007 | Posted by derek under Savings |
Last night I started the process of opening an HSBCDirect Online Savings Account and things are progressing nicely. Trial Deposits. After completing the application last night, I had to wait for HSBCDirect to make two trial deposits to my primary checking account. When I arrived home from work tonight, I logged into my checking account… continue reading
HSBCDirect 6.00% APY New Money Offer
| January 28, 2007 | Posted by derek under Savings |
As I previously discussed, I have had my emergency fund and savings at ING Direct even though I knew that I was losing money by not switching to HSBCDirect or EmigrantDirect. 6.00% APY Well, this afternoon I was balancing my checkbook and reviewing my various online accounts. Part of that process is that I check… continue reading
Super Bowl Stock Market Indicator
| January 27, 2007 | Posted by derek under Retirement & Investing |
In case you have run out of investment ideas, you might want to read the article at Yahoo! Personal Finance on what the Super Bowl can teach you about investing. Gains For Dow. According to the Super Bowl Stock Market Indicator, a victory by an old NFL team means that the Dow Jones Industrial Average… continue reading
Penalized For Not Carrying Debt?
| January 26, 2007 | Posted by derek under Credit Cards |
Over at CNNMoney.com there is an article discussing a recent Senate Banking Committee hearing that is examinging credit card practices. According to the article, one consumer advocate is proposing an idea that those who pay their credit card balances in full every month should pay a small annual fee. Deadbeats. If you are one of… continue reading
50-Year Mortgage
| January 25, 2007 | Posted by derek under Loans |
Can you imagine paying your mortgage for 50 years? That is not something that I would ever consider, but there is an article over at BankRate.com discussing the availability of a 50-year mortgage. Apparently the 50-year mortgage is being offered by some lenders as an alternative to an interest-only mortgage. However, when you really look… continue reading
Site Upgrade
| January 24, 2007 | Posted by derek under General |
As I have mentioned before, this website is being run with WordPress and I just completed an upgrade to the latest version. While I know that I should have done this later at night to avoid any potential problems with people viewing the site, I got the itch to just go ahead and do it.… continue reading
Prepare For Tax Season
| January 24, 2007 | Posted by derek under General |
As January nears an end, tax season is starting to kick into high gear as the W2′s are mailed and the 1099′s start arriving. My tax situation is relatively straight-forward and I have always opted to do my own taxes. After using TurboTax the first few years out of college, I then switched to TaxCut… continue reading
Inadvertent Spending Control
| January 23, 2007 | Posted by derek under General |
Over the last week or two, I have found myself with an inadvertent control on my spending. Unfortunately, that control has been a very busy work schedule but it made me realize that being busy can actually work to your financial gain. Eating My Money. When it comes to spending money, I really do not… continue reading
American Express Balance Transfer Update
| January 20, 2007 | Posted by derek under Credit Cards, Savings |
It has now been almost two months since I commented about my American Express balance transfer woes, so I thought that I would provide an update. Free Money Is Good. After getting the balance transfer finalized, I have had the money sitting in my ING Direct account. As stated earlier, I know that I should… continue reading
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