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Traditional IRA to Roth IRA Conversion Dilemna

Now that all of my IRAs are at Vanguard, I can decide whether to convert my $5,000 Traditional IRA to combine with my Roth IRA. After reading up on some pertinent articles at Fool.com and Fairmark.com, here are my thoughts. Right now I am … [Read the rest]

Where did my Annual Bonus go?

I got my bonus! Well, most of it anyway. After all taxes I ended up with barely more than 50% of the gross amount. For some reason I have been laboring under the false impression that there is a special tax bracket for bonuses. But after some … [Read the rest]

Some great questions and (hopefully) some good answers

A few days ago, a visitor VJ posted a some good questions and points in a comment in this thread. Here is his post again: Great blog, and very impressive and logical thoughts given your relative newness to the topic! I work in finance, but in … [Read the rest]

Monthly Goal Update: Asset Allocation Implementation

My goal for last month was to implement my chosen asset allocation plan. Here is my current status: 1) My E*Trade Traditional IRA is liquidated and transferred to a Vanguard Traditional IRA where it is currently invested in VTTHX. I am going to … [Read the rest]

“Millionaire in the Making” Also Plays the 0% APR Game

Here is yet another Millionaire in the Making. The interesting thing is that he also takes advantage of 0% APR balance transfers on credit cards to earn interest. In this case, he took out $60,000 and looks to earn $1400. If you assume the rate … [Read the rest]

February 2005 Financial Status Update

Wow, I can't believe it is February already! January was a blur, but here my current financial snapshot: … [Read the rest]

All Moved In – Moving Expenses and Looking Forward

Whew! All the boxes are unpacked (Well, 95%) and the cable guy came by today. I have been pretty unhappy with my telephone provider for the last year, with them double-billing me for 4 months and then disconnecting me last week on Thursday instead … [Read the rest]

“Good” Credit Card Debt – How-To Play the 0% APR Game, Part 2

This post is old, please see my updated guide on How To Make Money From 0% APR Balance Transfers (This entry is continued from Part 1.) 3) Getting your money: Some banks such as MBNA, CitiBank, and Chase will allow you to either transfer your … [Read the rest]

Moving Issues & Free Internet at Kinko’s

I don't have internet. Moving really stinks. Everythings a mess, I don't even have a dial tone let alone DSL, so not even a free AOL disc can help me. Did you know that Kinko's offers free internet at their stores, as long as you provide your own … [Read the rest]

Moving Issues & Free Internet at Kinko’s

Did you know that Kinko's offers free internet at their stores, as long as you provide your own laptop? Good deal. However, printing costs $0.49/sheet for black & white. Not a good deal. I had to pop in for work, so at least I'm not paying for … [Read the rest]

“Good” Credit Card Debt – How-To Play the 0% APR Game, Part 1

This post is old, please see my updated guide on How To Make Money From 0% APR Balance Transfers I have credit card debt. A lot of it, actually - over $23,000 of it right now. But I'm not worried, because a) I have the cash to pay it off and b) … [Read the rest]

I Hate Moving. (And I don’t like American Idol either)

I hate packing, I have lifting heavy objects, I hate unpacking, I hate paying enormous amounts of money to moving companies, and trying avoid all the many, many, scams out there. My wife decided that our trendy loft with 20 ft. ceilings and french … [Read the rest]