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How Do You Feel About Mandatory Gratuity at Restaurants?

Sat, 21 Nov 2009 04:42:52 +0000

I don’t usually eat out (since I have no friends to eat with — haha), but when I do eat out, I generally try to be a fair tipper. Although there were plenty of times where I’ll ponder about how 15% became the standard gratuity amount, I usually just leave the 15% unless there [...]

Zecco Refer & Referral a Friend Program

Thu, 08 Oct 2009 12:48:02 +0000

If you have a Zecco Trading account, you can easily earn $75 by sending a referral to a friend. The gist of the Zecco refer a friend program is pretty straightforward, you send an invite by email to a pal that may be interested in opening an online discount broker account, your friend signs-up [...]

Accidental Frugality – Can You Live on Half of Your Income?

Mon, 14 Sep 2009 10:37:45 +0000

Maybe you just got robbed by Zorro or maybe there’s now an unexpected child support payment (oh snap!?) — whatever the circumstances are, would you be able to live on half of your income? A few years ago, I was reading a blog post by Trent at The Simple Dollar regarding living on half of your [...]

Shopping For A Credit Card During A Time Of Tight Credit

Sun, 12 Jul 2009 13:27:59 +0000

This guest post is brought to you by The Digerati Life, where you can read about all things financial. SVB from The Digerati Life particularly enjoys discussing investment topics and the latest financial tools that help make money management interesting and easier to do. Why not subscribe to her feed?   Clearly, the credit crisis has [...]

The Why and How of Credit Freeze

Thu, 02 Jul 2009 10:27:53 +0000

Some stuff are just better when served cold.  Ice cream. Sushi. Revenge. There was a joke somewhere in there, linking cold stuff to freezing credit reports, but if you’re reading up on credit freeze because of identity theft problems, the last thing you’d probably want is a lame joke from an online financial nerd. Fair enough. Here’s [...]

Five Ways to Waste $276 Because Money Grows on Tree

Mon, 08 Jun 2009 20:42:51 +0000

Yeah grows on tree my ass. If you like to waste money by being stupid, forgetful, and lazy, here’s five ways to do it. DMV Registration Late Fee – $39 Why pay your car registration on-time? Live life “dangerously” by delaying your smog check and car registration. If you hold out long enough, the penalty fee along with [...]

Get a Free Experian Credit Score and Report from Quizzle.com

Fri, 29 May 2009 17:59:27 +0000

Ever since Experian and Fair Isaac stopped offering an Experian based FICO score to consumers, I’ve had a large, unfulfilled hole in my life. The woe and despair that I felt was equivalent to having my dinner stolen from me after spending a good hour preparing and making omurice. Thankfully, the good folks at Quizzle.com came [...]

Breakdown: The Credit CARD Act of 2009

Fri, 22 May 2009 15:35:04 +0000

Some may wonder if its redundant to pass legislation that’s similar to regulation already imposed by banking regulators, but regardless, the newly minted Credit Card Accountability, Responsibility, and Disclosure Act of 2009 has been signed into law. Here’s the breakdown on the changes when the law comes into effect February 2010. Consumer Protection Retroactive interest rate increase are [...]

Avoid Costly Medical Bill Errors & Mistakes

Tue, 19 May 2009 11:45:45 +0000

Half a decade ago when I was 19, I was sitting in a hospital waiting room as a family member underwent a medical procedure. Spying a cute girl of similar age across the room, I proceeded to try and “look smart” by picking up the local newspaper so I can pretend to read it — but [...]

ShareBuilder Costco Sign-Up Bonus Promotion

Mon, 11 May 2009 03:21:28 +0000

The online discount broker ShareBuilder currently has a sign-up bonus promotion for Costco members.  ShareBuilder encourages recurring monthly investment, dollar cost averaging, and the general idea of building your investment for the future — because of that, it wasn’t much of a surprise when ING Direct decided to purchase ShareBuilder a few years ago. The promotion [...]

So Your Life Sucks, But Your Finance Doesn’t Have To

Mon, 20 Apr 2009 16:43:42 +0000

A recent instant message from my younger cousin pointed me towards the deliciously funny website: fmylife.com, which basically contains various stories and tidbits about how much one’s life sucks. For example, here’s the top rated FML (f– my life): Today, I received my passport in the mail. They got my birth date wrong. Then I picked up [...]

What’s the Worst Neighborhood You’ve Lived In?

Wed, 08 Apr 2009 21:19:46 +0000

It was about three o’ clock in the afternoon when I heard it.  The sounds of tires screeching on pavement accompanied by a blaring popping noise that sounded like an extremely loud car engine backfiring.  I crawled up to my bedroom window, peeked out through the curtains and saw a car doing an extremely dangerously [...]

Free Kindle & $5,000 @ IWillTeachYouToBeRich.com

Mon, 23 Mar 2009 20:28:45 +0000

If you haven’t heard, Ramit Sethi, personal finance blogger, kick-your-finances-into-gear extraordinaire, and overall cool guy has published his book, pointedly named “I Will Teach You To Be Rich.” If you’re already planning to buy the book, join in on Ramit’s giveaway at his site. He’s giving away a Kindle every hour (2 left as of this [...]

Free H&R Block TaxCut Giveaway – Win a Copy of TaxCut

Mon, 09 Mar 2009 14:40:16 +0000

Free burgers is nice and all, but giving away relevant and practical stuff is even better.  H&R Block is giving away three copies of Tax Cut to readers of this horrific blog (see, there are perks to reading this blog, after all). If you’re a procrastinator like me and haven’t finished filing your taxes yet, this [...]

myFICO 8th Anniversary 30% Off Promotional Code

Mon, 09 Mar 2009 14:18:17 +0000

You’ll have to be a true credit junkie to know this, but myFICO is celerbrating their 8th anniversary and is offering 30% off any of their FICO products.  It doesn’t beat the previous 50% off discount, but 30% isn’t too shabby either. All these discount updates I’ve posted through the years should confirms one thing: you [...]

Late Night Munchies = Free In-N-Out Burgers for Readers

Fri, 06 Mar 2009 03:21:16 +0000

It’s almost two in the morning, I can’t sleep, and I have a 14 hour flight in the next couple of hours. Fan-freaking-tastic. After careful consideration, I’ve realized that the best way to grind through a spell of late-night sleep deprivation would be not one, but two juicy In-N-Out burger.  Super sweet. Long time readers will remember [...]

Breakdown: The $8,000 First-Time Homebuyer Tax Credit

Tue, 17 Feb 2009 19:29:53 +0000

If you’re still on the fence about acquiring a home, then Uncle Sam has just thrown an extra incentive for those of you that’s still debating on waiting further or buying — a nice fat, $8,000 incentive (it’s not $15,000 but you take what you can get, eh?). Since they’ve been throwing around a bunch of [...]

No More Experian FICO Scores for Consumers

Thu, 05 Feb 2009 18:29:50 +0000

In a lovely Valentine’s gift to consumers, Experian has decided to pull out of its agreement with Fair Isaac and will no long allow Fair Issac to sell FICO scores based on Experian’s data to consumers. This is actually a fairly big deal, as lenders will continue to be able to get FICO score based on [...]

Denny’s Free Grand Slam Breakfast

Tue, 03 Feb 2009 08:32:11 +0000

Haven’t been to a Denny’s in awhile… but if you don’t mind the potential busy restaurant and wait, Denny’s giving a free Grand Slam breakfast per customer, from 6 AM to 2 PM on Tuesday, 2/3/09. If you don’t want to wait, speak with the manager and request for a rain check coupon, which will enable [...]

Received Schwab Invest First 2% Cash Back Visa Card

Fri, 30 Jan 2009 10:16:58 +0000

You may recall that just about a month ago, I applied for a Schwab 2% cash back Visa card. Every time I apply for a financial product that requires credit approval, a little bit of anxiety builds up.  Will I be approved? Will I get rejected?  The horrendous waiting-for-an-answer just like when I tried to ask [...]

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