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How to Maximize HSA Savings With Your IRA and 401(k)
Sep 26

How to Maximize HSA Savings With Your IRA and 401(k)

Given the rising costs of healthcare — the America’s Health Insurance Plans (AHIP) estimates that the U.S. healthcare system spends $2.7 annually — having adequate savings for current and future healthcare costs are key. Even with the “affordable” health insurance covered instituted by Obamacare, most people can assume that as they get older, their healthcare

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How to Max Out Your Rotating Rewards Credit Card Before Q3 2014 Ends
Sep 24

How to Max Out Your Rotating Rewards Credit Card Before Q3 2014 Ends

We’re quickly approaching the end of the third quarter (Q3) of the year. For people who have rotating rewards credit cards (we’re talking about Discover it®, Chase Freedom and Citi Dividend), it’s time to squeeze in those last few purchases before the 5% cash back categories change soon. Luckily for you, we’ll show you to maximize

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Meet Your Credit Card Spending Requirement With These Rewards Card Tips

Meet Your Credit Card Spending Requirement With These Rewards Card Tips

When you sign up for a credit card promotion with a particular reward bonus — perhaps an airline credit card with a 40,000 mile travel bonus — there’s always a sizable catch. It usually comes in the form of a minimum spending requirement. If you like to take advantage of these kinds of credit card

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Maximize Your Savings With a Rising Interest-Rate Strategy
Sep 23

Maximize Your Savings With a Rising Interest-Rate Strategy

Savers, there was good news coming out from the Federal Reserve this week regarding interest rates. All signs point to an impending rate hike, which means that your hard-earned cash will finally begin to enjoy higher interest returns again. The main concerns now are, “When is the rate hike coming and how should I prepare

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4 Retirement Investment Options to Make If You’ve Maxed Out Contributions
Sep 22

4 Retirement Investment Options to Make If You’ve Maxed Out Contributions

With the end of the year quickly coming up, you may be close to maxing out your retirement contributions. In 2014, individuals can save $17,500 in a 401(k) – and if they’re over 50 years old an additional $5,500 – for a total of $23,000. You can also contribute up to $5,500 to an IRA

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When to Close a Credit Card With Minimal Damage to Your Credit Score
Sep 19

When to Close a Credit Card With Minimal Damage to Your Credit Score

Are you considering closing out a credit card? Maybe the terms of the card — the annual fees, the interest rate, or both — are no longer what you signed up for. Or, maybe you hope it will help you avoid excessive spending. But then you’ve also heard that canceling a credit card may impact

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What to Do When Rates Rise and Where You Should Invest
Sep 18

What to Do When Rates Rise and Where You Should Invest

What to do when rates rise? Even in our years’-running, low-rate environment, it’s a fair question to ask because the Federal Reserve has raised interest rates 67 times since 1980 — so it’s only a matter of time before it does again. It’s an important question to ask whether you’re saving for a down payment

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Best Credit Cards for People With Excellent Credit

Best Credit Cards for People With Excellent Credit

A round of applause is due if you tout an excellent credit rating. It’s more than just proof to yourself that you’re responsible with credit, it also opens the doors to some of the best credit cards that would make others envious of your financial prowess. While you can get these credit cards just for

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Home Equity Loan Pros and Cons and 5 Scenarios to Help You Better Understand It
Sep 16

Home Equity Loan Pros and Cons and 5 Scenarios to Help You Better Understand It

Homeowners have been taking out home equity lines with a vengeance lately, including $23.4 billion in the first quarter of 2014, up from 15.5 percent from 2013 and the highest number in six years. Despite their obvious appeal for financing everything from kitchen makeovers to new cars, you’ll better understand how these tax-favored, take-cash-out-of-your-house solutions

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Banks Waive Debit Card Replacement Fees Following Data Breach

Banks Waive Debit Card Replacement Fees Following Data Breach

Updated on 9/19/2014: On September 18, 2014, Home Depot has confirmed that the malware used in the recent data breach has been eliminated from all of their U.S. and Canadian stores. No evidence was found that there was a compromise on the debit PIN numbers or checks. Home Depot also have completed a major payment security project which

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