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    N00b when it comes to Credit Cards

    The Citi mtvU card is a fantastic student rewards card that I wish I could get. It is the *only* card available (student or other) that pays 5% rewards at restaurants, movie theaters, book stores, and video rental stores. That's my personal favorite, but there are other good ones. You can...
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    Recommend me a credit card

    AmEx has some nice rewards cards like the Blue Cash Card (up to 5% cash back at grocery stores, gas stations, and drug stores; up to 1.5% on everything else -- but tiered rewards structure) and the TrueEarnings card (3% cash back at restaurants, 2% on travel, 3% on gas, 1% on everything else)...
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    Best credit card for Grocery stores?

    The Citi Diamond Preferred Rewards card offers 5% reward at grocery stores for the first year. AmEx Blue Cash hits 5% rewards at grocery stores after you get to $6500 in year-to-date spending. You might also want to check the rewards calculator mentioned in my signature to see if there are...
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    does anyone else rarely use cash anymore?

    Yeah, I pretty much funnel all of my expenses through my credit cards to maximize my credit card rewards (cash back, etc.) in various categories (restaurants, gas stations, groceries, movie theaters, home improvement, etc.). Heck, if they had a card swiper on a bubble gum machine, I'd probably...
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    No credit history. Getting first CC?

    If you're still a college student, then you should go for a student rewards card like the Citi mtvU card (5% rewards at restaurants, book stores, and entertainment venues). If you're not a college student, then you should probably try for a Capital One card for people with limited credit...
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    Earning miles on a credit card?

    I use a few different credit cards to maximize my cash back and other rewards. If I sign up for a "points" or "miles" card, I usually get one where I can easily redeem my points for gift cards that are nearly as good as cash (e.g. gas gift cards). For example, I've got one card for 5% cash...
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    Have you asked for a raise?

    It's not uncommon for an employer to not give a substantial raise until you've proven with another offer that another employer is willing to pay you more. That being said, what you're doing is what you should do. Make a good case. If that doesn't work, get another offer that you'd actually...
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    Best place (online or wherever) to get flowers?

    I've had the best luck with a local flower shop with a good reputation. Ask around with the locals, I'm sure you can get a good recommendation. That way you can see the quality you're buying. This is not to say that an online place couldn't work out for you, that just hasn't been my experience.
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    I think I've got the flu

    Yeah, I had the flu too. I started popping zinc as soon as I started to feel even a little bit off (because people around me had been sick). Granted, this is only a single anecdote, but I seemed to get over it faster than others (and zinc has been shown to help in studies). I'd recommend...
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    Making Personal Web Page

    freehostia.com is quite good for a free host. Amazingly, even the free plan doesn't require you to have banner ads. Over time you can choose to scale up your service from free to non-free.
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    New Credit Card that Earns 5% On All Electronics and Department Store Purchases

    The new Capital One® No Hassle Miles(SM) Rewards For Electronic Stores Visa earns 5 miles per $1 spent at consumer electronics stores *and* department stores and 1 mile per $1 spent elsewhere. I'm pretty sure that this is the best rewards rate available through any credit card at electronics and...
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    Is Discover the best card now for rewards (gas in particular)?

    The PenFed card is certainly a good card. However, depending on the categories in which you spend money, you could do better with others. For example, the Citi Driver's Edge card pays 6% rewards at gas, grocery, and drug stores for the first year and 1% everywhere else. Plus, if you drive...
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    Best 1st Credit Card?

    As WiredSpider mentioned, the Citi mtvU card is a great college student card as it pays 5% rewards at various entertainment-related venues; I wish I could get that one. The Citi Driver's Edge for Students is also good; it pays 3% rewards at gas, grocery, and drug stores. There's a Capital One...
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    Free $100 from LaSalle Bank for Opening Account, No Direct Deposit Requirement

    Here are some of the details: Minimum Opening Deposit: $50 Minimum Daily Balance Required: $250 to avoid minimum balance fee. Minimum Balance Fee: $5 per month. Here's the link to the offer: http://www.lasallebank.com/checking/landing.html
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    Get Free $125 from Chase When You Open Checking Account With Direct Deposit

    Here are the details from the promotional offer page linked to below: Offer valid 10/01/07 through 12/31/07. Chase Free CheckingSM requires a $100 minimum opening deposit of new money (money not currently held by this bank or its affiliates) to qualify for the $125 reward. Chase Free Checking...
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    Get $100 after First Purchase with Chase Freedom Card

    The normal offer for this card is a $50 bonus after the first purchase, so this is a pretty good deal. Note that if you redeem your cash back rewards from this card in $200 increments, you get a 25% bonus ($250 instead of $200). So your initial $100 bonus effectively becomes $125. Here's a...
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    Restaurant.com 70% off Halloween Promotion -- $25 Gift Certificates for only $3

    Note that you can also apply the "TREATS" code toward the purchase of a "mega" certificate which is valid at *any time* at restaurant.com. Here's how you do it on the restaurant.com web site: 1. Click "give a gift" 2. Enter quantity in quantity field 3. Use drop down box to select...
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    Restaurant.com 70% off Halloween Promotion -- $25 Gift Certificates for only $3

    Normally you can buy a $25 certificate for $10 at restaurant.com and use it at participating restaurants. Now through October 31, 2007 you can get a 70% discount (off the $10) when you enter TREATS at the checkout. That means you get the $25 gift certificate for $3. Note that using the...
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    Which travel rewards Credit Card should I get??? HELP

    The Capital One No Hassle Miles Ultra--for Professionals card pays 2 miles for every dollar spent. The Citi PremierPass Elite card will pay you 1 point for most spending, but also gives a bonus point for every mile flown on tickets purchased with the card. However, since you've got so much...
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    Any credit cards 0% interest longer than 12 months?

    Each point is worth 1 cent. (This is based on the value of gift certificates you can get with your points.) So AmEx Blue is your basic, run-of-the-mill 1% rewards card. If you only need the 0% intro APR on purchases for 6 months, then you should definitely consider the AmEx Blue *Cash*...
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    Which credit card to go with?

    If you're going to be paying your balance in full every month (which is the best way to use credit cards) and you're a college student, then you should consider the Citi mtvU and Citi Driver's Edge for Students cards. (I wish I could get the Citi mtvU card.) You can use the rewards...
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    MasterCard vs. Visa

    All other things being equal, Visa slightly edges out MasterCard because it's accepted a bit more widely than MasterCard. If you're not going to be carrying a balance, then the APR doesn't really matter, but the rewards do. Unless the credit limit is preventing you from funneling most of your...
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    Free Airline Ticket or $250 in Gift Cards After First Purchase on New AmEx Business Gold Card

    Here's the skinny on the sign-up bonus for the American Express Business Gold Rewards Card: * Earn 25,000 Membership Rewards® bonus points after your first purchase, redeemable for one domestic round?trip airline ticket or $250 in gift cards. * Gift cards include $250 at Dell.com, Home Depot...
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    Credit card or Debit card?

    Credit cards all the way. If you are disciplined with your spending, then you might as well earn free cashback, etc.
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    $150 Credit on Sony Visa after $299+ Purchase at Sony Stores

    This is an especially good deal if you were planning to buy a PS3 or other Sony gear. In addition to the $150 card credit you get after your $299 (or greater) purchase, you'll earn 8 Sony Reward points for each $1 spent between August 1st and September 30th, 2007. That's about $24 worth of...
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    do you guys like the series battlestar galactica?

    Battlestar Galactica is one of the best drama's on TV -- sci-fi or not. It's already my favorite sci-fi series of all time. It's practically the only reason I still have DirecTV and a DirecTivo and haven't switched to over-the-air High-Def and a Myth box. (I may still do that and just watch...
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    Trainspotting

    Yeah, pretty much all I remember are some disturbing, messed up scenes. It's not a feel good movie, that's for sure.
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    So, what's the best "fuel reward" credit card out there now?

    The Citi Driver's Edge card pays 6% back on gas and other categories for the first year. AmEx Blue cash is up to 5% (tiered) on gas and other categories. The BP Rewards Visa pays 5% at BP stations. The Discover Open Road card pays 5% on gas, *but* only up to $100 per month spent on gas. Chase...
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    My FICO score just dropped 48 points because...

    Yeah, that's a fair approximation, though it's a bit more complicated than that. For even more details about how the FICO score is calculated and how much a "hard pull" of your credit report affects your FICO score, you can check out the June 30th posting at uThunk: Money-Saving Decisions Made...
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    Credit Cards: Which to get? Whats the best?

    The Discover Gas card is not anywhere near the best gas card, especially after the $100 per month restriction. Consider AmEx Blue Cash (up to 5%, tiered), Citi Driver's Edge (6% for first year), BP Rewards Visa (5% at BP), and Chase Freedom (3.75%). Like others, I would suggest not...
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    So Sunrocket is dead....

    I've been very happy with Lingo. I've got the $8 per month service.
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    How to take advantage of credit card promotions while preserving credit?

    If you want to better understand how all of these credit card games (e.g. App-O-Rama) affect your FICO score, there's a good description of an approximate FICO score formula in the June 30th blog posting at uThunk: Money-Saving Decisions Made Easy.
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    $100 for Opening Citibank Ultimate Savings Account

    If you look at your credit report, there will be "hard" inquiries that are designated as being visible to any institution that views your credit report. Then there are normally numerous "soft" inquiries that are designated as being visible only to you and thus having no practical impact...
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    $100 for Opening Citibank Ultimate Savings Account

    Details: * This is available to all people who do not currently have a Citi bank account. * Note that opening this account will probably result in a hard pull on your credit report. * You receive the $100 credit to your account within 90 days following your first statement cycle. * To get...
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    $100 for Opening Chase Free Checking Account

    <div class="FTQUOTE"><begin quote>Originally posted by: GtPrOjEcTX 2. Enter the 16-digit coupon code into e-coupon at the time of account opening. Coupon code can be found above. Due to a system error, we are having trouble retrieving your coupon code. Please try again later.</end...
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    $100 for Opening Chase Free Checking Account

    Here are the details of the offer: Print this coupon and take it to your local Chase branch. Do not mail. Offer valid from 06/01/07 through 08/31/07. Chase Free Checking requires a $100 minimum opening deposit of new money (money not currently held by Chase or its affiliates) to qualify for...
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    Pentagon Federal Credit Union

    Yeah the PenFed credit card is great. I've contemplated trying to join the PenFed credit union just for that reason. However, so far, I've stuck with cards that are just slightly better for me. E.G.- Citi Driver's Edge pays 6% back at gas/grocery/drug stores for the first year (and can up to...
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    Should I start charging daily things to my CC?

    Note that with AmEx Blue Cash all of the spending you do while your year-to-date total is under $6500 earns at the 1% EDP/0.5% non-EDP rate. Only the spending after $6500 YTD earns at the higher rate. So the AmEx Blue Cash tends to be better for fairly big spenders. Other cards like the...
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    Business Credit Cards

    All you need is your SSN and a name like "Spacejamz and Company". For more details about the in's and out's of doing this, here's a good blog entry about this very topic: http://www.mymoneyblog.com/arc...ness-credit-cards.html Referral links removed.
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    Discover Card 5% Cashback Bonus 7/1 - 9/30

    Yeah, the Discover More card is pretty weak as far as rewards cards go. AmEx Blue Cash is much better for a lot of peoples' spending. My personal favorite du jour is the Citi Driver's Edge -- 6% back on gas/grocery/drug store spending for the first year, no tiers. Referral links removed.
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