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The Sun’s Financial Diary


The Sun’s Financial Diary
My personal experience of saving, investing, and living frugally.
Articles: 1, 2, 3, 4, 5, 6, 7

Articles

2011 Tax Changes
2011-01-20 18:27:00
The passage of the Tax Relief Act of 2010 last December removed a lot of uncertainties for taxpayers. The law, which extended Bush area tax cuts by two years and temporarily reduced payroll taxes by 2% for one year, also introduced some other changes in taxes for 2011. One of those changes is investment income taxes. ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months 2011 Tax Changes
More About: Personal Finance
The Dangers Of Chasing Returns
2011-01-20 14:22:00
It probably comes as no surprise that investors typically don?t get the returns that are advertised by mutual funds.  Mutual fund returns assume that the investor puts their money in at the beginning of the time period and holds the investment until the end.  Investors, however, typically move their money in and out based on ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months The Dangers Of Chasing Returns
More About: Investing , Stock
$20 Amazon.com Gift Card for $10 at Living Social
2011-01-20 04:37:00
In case you didn’t know, Living Social is offering $20 Amazon .com gift card for only $10 for 24 hours. If you can use the gift card, you need to hurry because the sale will end at 8:00 am EST, January 20th. There is a limit of 1 gift card per person. Purchasing is very easy. The ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months $20 Amazon.com Gift Card for $10 at Living Social
File 2010 Tax Return for Free
2011-01-19 14:32:00
The 2011 tax season has already arrived. For those who don’t have to delay filing their returns (see who must wait to file 2010 federal income taxes in my 2011 tax deadline post), the sooner to file, the earlier to get their refund. While there are plenty of paid tools available if you want to ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months File 2010 Tax Return for Free
More About: Personal Finance
4 Things to Remember about Mortgage Loan Modification
2011-01-18 14:57:00
You probably know people who are having problems paying their monthly mortgage loans. In the midst of this crisis, who doesn’t know at least one? Homeowners in distress can remain hopeful in spite of the current crisis. To help responsible homeowners who have been affected by the economic crunch, the Obama administration has laid out several ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months 4 Things to Remember about Mortgage Loan Modification
More About: Personal Finance , Real Estate
Buy Facebook or Twitter Stocks Before IPO
2011-01-18 02:02:00
Apparently there are ways to buy shares of social network companies  such as Facebook , Twitter , and LinkedIn, before their highly anticipated anticipated public offerings (LinkedIn could be the first of them to IPO early this year, while Facebook may go public in 2012). But there are two questions need to be answered before considering investing ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Buy Facebook or Twitter Stock s Before IPO
More About: Investing
Resolve to Plan Meals to $ave
2011-01-17 14:46:00
If the holidays have left your pocketbook feeling a little less full than your stomach, you?re not alone. At the top of nearly everyone?s New Year?s resolution list is the wide-reaching goal to simply save more money. If saving money happens to be one of your goals for 2011, you?re in luck because there?s much ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Resolve to Plan Meals to $ave
More About: Living , Frugality
PerkStreet Offers 5% Cash Back for Tax Preparation Services
2011-01-16 16:04:00
The 2011 tax deadline is still four months away, so you still get plenty of time to prepare your 2010 returns. Whether you will do the taxes yourself or heir somebody else to do the job for you, here’s an offer from PerkStreet that could reduce the burden off your wallet a little bit. From now ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months PerkStreet Offers 5% Cash Back for Tax Preparation Services
More About: Personal Finance , Review , Banking
Friday Deal: FICO Score 25% Off and More
2011-01-14 21:35:00
myFICO is offering 25% off FICO credit score when you use promotion code TWEET25 to purchase FICO score and credit report from myFICO. Currently, myFICO has credit reports from two credit bureaus, TransUnion and Equifax. The standard price for a FICO credit score plus a credit report is $19.95. With the discount code, the cost ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit Score TradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Friday Deal : FICO Score 25% Off and More
Stocks with 5% Dividend Yield
2011-01-13 20:46:00
In such a low rate environment, you probably will need to look outside the traditional savings accounts for  a decent yield. Previously, we have discussed a few alternatives to savings accounts if you are not happy with the yield. Another option, though may be not as safe as CDs or money market accounts, is high ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Stock s with 5% Dividend Yield
More About: Investing
Forecasting The Stock Market Is More Art Than Science
2011-01-13 15:35:00
With the new year finally upon us, you?ll no doubt find prognosticators everywhere try to tell you what they think is going to happen in the year ahead.  Fashion experts will tell you what will be big in the world of style.  Hollywood folks try to pick the year?s biggest movies.  Everybody seems to pull ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Forecasting The Stock Market Is More Art Than Science
More About: Investing
Hidden Hogs that Rob You of Space
2011-01-12 14:30:00
As we put the holidays behind us and the new year greets us, most of us turn our thoughts to resolutions. And whether it?s a personal desire to do so or the realities of the economic climate that have forced our hands, this means a renewed commitment to contentment for many of us. Fortunately, though, ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Hidden Hogs that Rob You of Space
More About: Living
OptionsHouse to Raise Stock and ETF Commission
2011-01-11 15:59:00
It didn’t happen very often that a discount broker raised its trade commission because that is against the trend we saw in the broker industry in recent years. In 2010 alone, big name brokers such as Vanguard, Fidelity, and Charles Schwab have all cut their commissions and begun to offer commission-free ETFs, though the number ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months OptionsHouse to Raise Stock and ETF Commission
More About: Investing , Brokerage
2010 Year in Review
2011-01-10 15:25:00
For us, 2010 was a very exciting year. The biggest achievement of the year was that we bought our house in April after searching for months. It was a quite smooth process and we even did a refi to lower the interest rate of our mortgage even further. And both of us are still employed ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months 2010 Year in Review
Now Every Stamp Is A Forever Stamp
2011-01-06 19:15:00
So far there is only one design for the Forever Stamp , the Liberty Bell. That will soon change. According to a New York Times story early this week, almost every stamp among 70 to be issued by the Postal Service this year will have “Forever” printed on it instead of the monetary value that we ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Now Every Stamp Is A Forever Stamp
More About: Personal Finance , Money
Chase Checking Account $100 New Account Bonus Promotion
2011-01-06 18:46:00
There aren’t as many new bank account bonuses these days as credit card incentives. If you are looking for some free money for opening a new bank account, here’s an offer from Chase for its Checking Account. From now to January 31, 2011, you get free $100 cash bonus if you open a Chase Checking Account ...Original Post on The Sun's Financial Diary Special Promotion al OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account Bonus Chase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Chase Checking Account $100 New Account Bonus Promotion
More About: Banking
2011 Tax Deadline
2011-01-06 14:26:00
Since we are only a few days into the new year, it’s still probably too early for many of us to consider filing 2010 tax returns, even though the 2011 tax season began on January 1st. Every year in the past few years, I waited until the last day to mail out our tax forms. ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months 2011 Tax Deadline
More About: Personal Finance
Chase Continental Airlines OnePass Plus Card $50 Bonus Plus 30,000 Miles Pr
2011-01-06 04:29:00
Chase is offering some nice incentives for its Continental Airlines OnePass Plus Card . If you often fly with Continental, the promotion makes it a good opportunity to own the card so that you can earn Continental Airlines frequent flyer miles faster. If you apply and are approved for the OnePass Plus credit card, you will ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account Bonus Chase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Chase Continental Airlines OnePass Plus Card $50 Bonus Plus 30,000 Miles Promotion
More About: Personal Finance
Does Automatic Enrollment Improve Retirement Saving?
2011-01-05 14:26:00
Our government has been for a while now trying its best to figure out ways to get American workers to help themselves by saving for their retirement.  Too many still think that Social Security is a retirement savings program in and of itself (it?s only designed to provide 20-30% of total retirement income). A couple ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Does Automatic Enrollment Improve Retirement Saving?
More About: Personal Finance , Money
2011 Tax Rates Table
2011-01-04 19:07:00
In late December 2010, the IRS issued official 2011 tax rate tables with updated Federal tax brackets after Congress passed Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. The Tax Relief Act of 2010 extended Bush-era tax cut for all Americans for two more years regardless their incomes and reduced payroll taxes temporarily ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months 2011 Tax Rates Table
More About: Personal Finance
2010 Chinese IPO Stock Performance
2011-01-04 17:24:00
As the economy started to improve in 2010, though very slowly, the IPO market also rebounded nicely. Actually, 2010 turned out to be a pretty good year for US IPOs, led by General Motors’ $15.8 billion blockbuster deal in November. Even though the total number of offerings in 2010 was no where near the booming ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months 2010 Chinese IPO Stock Performance
More About: Investing
TradeKing $50 Bonus for New Accounts Promotion
2011-01-04 00:05:00
Discount broker Trade King is running the $50 new account promotion again. From now to the end of this month (January 31, 2011), you can get $50 signing bonus if Open a TradeKing account with at least $2,500 initial deposit within 30 days of account opening; Make a trade within 180 days of account opening; Keep ...Original Post on The Sun's Financial Diary Special Promotion al OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account Bonus Chase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months TradeKing $50 Bonus for New Accounts Promotion
More About: Brokerage
Cash in Now for Secondhand Savings
2011-01-03 14:41:00
Could your wardrobe use an overhaul or a few new items to spice it up? Have your children outgrown or worn out some of those once-new “back to school” clothes? Craving a change around the house furniture or decor wise? You’re in luck because now’s the prime time to start hitting the secondhand shops in ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Cash in Now for Secondhand Savings
More About: Money , Frugality
Discover More Card No Balance Transfer Fee for 12 Months
2011-01-01 21:38:00
This is an update of Discover More Card promotional offer. Last week, I wrote about Discover More Card $100 bonus for every new cardholder after spending $500 within the first three months. Even though the card also allows new members to transfer balances to the new Discover More Card at 0% APR for 12 months, ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account Bonus Chase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Discover More Card No Balance Transfer Fee for 12 Months
More About: Personal Finance , Credit Card
Happy New Year!
2010-12-31 23:52:00
It’s 2011 already in some parts of the world but we are still waiting for the big ball to drop in Times Square. 2011 is Year of The Rabbit in Chinese Lunar Calendar (though we are still more than a month away to Chinese New Year ). Here I wish you  and your family a Happy , Healthy, ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Happy New Year !
More About: General
The 2010 Year In Money
2010-12-29 14:58:00
As we get to the end of the year, it seems like now might be as good a time as any to review some of the major events that shaped our financial lives in 2010.  While most of the news of the year seemed to be doom and gloom there were a few bright spots ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months The 2010 Year In Money
More About: Personal Finance , Finance
Discover More Card $100 Plus 0% APR for 12 Months
2010-12-29 02:03:00
The More Card is one of the popular credit cards from Discover for its generous cash back rewards program (at least in certain categories) and big incentive for new cardholders.  During this holiday season, the More Card offers card members the opportunity to get 5% cashback bonus for shopping at restaurants, department stores and clothing stores. ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account Bonus Chase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Discover More Card $100 Plus 0% APR for 12 Months
More About: Personal Finance , Credit Card
Tips for Investing in Penny Stock Market
2010-12-28 15:55:00
The penny stock market can be a tricky place for anyone to navigate. Whether you?re a novice investor or a seasoned veteran, it can be hard to figure out what stocks are worth investing in, and which ones you shouldn?t touch with a 10-foot pole. Is the company trading low because it is a small ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Tips for Investing in Penny Stock Market
Create Great Savings Now for Next Year
2010-12-27 15:14:00
While you’re quite likely to be exhausted both mentally and financially from this year’s go-around, believe it or not, now’s the perfect time to begin creating great savings for next year’s holiday season (as well as other everyday savings, too). Even the smallest invest in steeply discounted holiday wrapping paper, gift bags and ribbons can ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Create Great Saving s Now for Next Year
More About: Personal Finance , Finance , Money
Six Money Moves To Make Before Year End
2010-12-22 14:40:00
The end of the year is always a good time for tying up loose ends.  Whether it?s preparing for a new and healthier you in the new year or taking care of some of this year?s resolution, now is usually the best time to close the books on the current year and get ready to ...Original Post on The Sun's Financial Diary Special Promotional OffersScottrade 3 Commission Free TradesFree FICO Credit ScoreTradeKing $50 New Account BonusChase Freedom MasterCard $100 BonusDiscover More Card No Fee 0% APR Balance Transfer for 12 Months Six Money Moves To Make Before Year End
More About: Personal Finance
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