So you listened to the financial experts and dutifully contributed $5,000 to your Roth IRA in early 2008. Unfortunately, stuff hit the fan and now you're left with a lot less. Wouldn't it be nice to be able to find some silver lining and shield … [Read the rest]
Add More Money Your Roth IRA – Undo and Redo Contributions After Losses?
Posted on January 20, 2009 // 32 Comments
Last updated: January 20, 2009
Free Equifax FICO Score Redux
Posted on January 19, 2009 // 16 Comments
Looks like Equifax and FICO are giving out another 10,000 free FICO scores (expired!). Again... no credit card or trial required. This is an official FICO score based on your Equifax credit file. Score only, no credit report. This time you don't … [Read the rest]
Last updated: October 15, 2011
Historical Federal Tax Rates by Income Group
Posted on January 18, 2009 // 13 Comments
In my last post on 2009 marginal tax rates, reader Alexandria (aka MonkeyMama) made a very good point that planning our retirements around future tax brackets is very difficult as they change all the time. But isn't that what we are forced to do … [Read the rest]
Last updated: April 22, 2015
2009 Marginal Rate Brackets For Federal Income Tax
Posted on January 17, 2009 // 27 Comments
For personal reference, there are the new 2009 federal income tax brackets, which have been adjusted for inflation. This is taxable income, so it is after any exemptions and either standard or itemized deductions have taken place, as well as pre-tax … [Read the rest]
Last updated: October 7, 2012
Undo/Redo Traditional to Roth IRA Conversion After Market Losses
Posted on January 16, 2009 // 4 Comments
If you did a Traditional IRA to Roth IRA conversion in 2008, and have since suffered some significant losses, you may want to consider undoing the conversion now that it is 2009. Then, as long as you wait 30 days after that and still qualify, you … [Read the rest]
Last updated: September 27, 2015
Free FICO Score For Joining MyFico Forums
Posted on January 16, 2009 // 22 Comments
myFICO.com is offering a free credit score to members of their discussion forum. New visitors can register instantly and grab your score. No credit card or trial required. This is an official FICO score based on your Equifax credit file. Score only, … [Read the rest]
Last updated: October 14, 2011
How *Not* To Handle A Bank Error In Your Favor
Posted on January 14, 2009 // 28 Comments
I still get a regular stream of comments on my old post on handling a bank error in your favor. Many are people who also got some money by accident and are looking for advice. Then I saw this AP article "Pa. couple spent windfall from bank error" … [Read the rest]
Last updated: October 15, 2011
$200 Savings Bond Bonus for Checking Account at Wainwright Bank
Posted on January 14, 2009 // 16 Comments
Wainwright Bank, a regional bank based in Massachusetts, is offering a $200 Series EE U.S. Savings Bond when you open a new Value Checking account and have direct deposit. $10 minimum to open, and no minimum balance with direct deposit. Wainwright … [Read the rest]
Last updated: August 9, 2018
Free Fully-Licensed Software: GiveawayOfTheDay.com
Posted on January 13, 2009 // 10 Comments
Here's another creative idea for a website. GiveawayOfTheDay.com lets you download a fully-licensed, no-trial, no-shareware version of some neat software. The catch is that it is only available for one day, during which you must both download and … [Read the rest]
Last updated: September 24, 2011
Stock Market Performance During Recessions
Posted on January 13, 2009 // 25 Comments
Stumbled across another interesting chart from Fidelity Investments showing stock market performance during and after previous recessions: Found via the Financial Philosopher, who stated: Now that we are "officially" in a Recession, what … [Read the rest]
Last updated: January 13, 2009
How To Protect Your Home Equity Lines of Credit (HELOC) From Being Frozen: Max It Out?
Posted on January 12, 2009 // 32 Comments
When I bought our house, I considered setting up a home equity line of credit (HELOC) for primarily for emergencies. For a while there were a bunch of deals that offered no application fees, no closings costs, and no annual fee. Why not have a … [Read the rest]
Last updated: January 12, 2009
Weekend Reading: Work, Recipes, Quizzes, & More
Posted on January 12, 2009 // 4 Comments
Some quick links from my weekend reading: Cutbacks and the Value of Time OverTheCubicleWall is being offered a voluntary work reduction to 32 hours per week. Would you take such an offer if presented to you? It's an interesting question. I … [Read the rest]
Last updated: November 22, 2015
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