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Latest Posts from No Credit Needed (page 27)

Visa Debit Cards More Popular Than Visa Credit Cards

Are people falling in love with their debit cards? During the quarter ending December 31, 2008, people made $203 billion in purchases using their Visa credit cards.  During that same period, people made $206 billion in purchases using their Visa debit cards.  (You can read more by viewing Visa’s latest SEC Filing.  These figures are for U.S. […]

12 Months To A Fully-Funded Roth IRA

Are you a procrastinator?  Good news.  Even if you missed the first four months of 2009, and didn’t make a single contribution to your 2008 Roth IRA, you still have a full year to make contributions!  That’s right.  The contribution time-table runs from January 1, 2009 until April 15, 2010. For most folks, the annual contribution limit for a Roth IRA is $5000.  (See IRS Publication 590 for complet […]

The Negotiator

I hate face-to-face negotiations.  So, in the past, I’ve paid full price for items that I’m sure I could have gotten for less, simply because I don’t like asking for discounts.  Recently, however, I managed to to make two rather significant purchases, and I negotiated lower prices for both of them.  Here’s how. Purchase #1 - A new grass trimmer. I purchased a new grass trimmer from a large retail […]

A Fresh Start

It’s almost May, which means that one-third of the year 2009 is gone!  I don’t know about you, but time seems to have flown by, and it seems like only days ago, I was writing down my 2009 resolutions.  (Remember those?  Yeah, that’s that pesky list of things we promised we would do in 2009.  I wonder what percentage of folks will actually follow through and do something about their resolutions.  4 […]

The Great eBay Purge Begins!

I’ve snuck away for a few minutes.  My wife and I are going through our house, room by room, and doing a major spring cleaning.  We are looking for three things - items to sell on eBay, items to put into storage, and items to throw away.  As of this morning, we have thirty items to sell on eBay, several items for storage, and two bags of junk.  It feels good to get rid of the stuff we simply do no […]

Back From A Week Of Taking Care Of Business

Whew. What a week! I’ve been “away” for a week, taking care of several little odds-and-ends.  I use quotations marks, because I haven’t actually been away.  I simply took a few days, set them aside, and just plowed-through a series of once-every-year type tasks.  Instead of spacing these tasks out over the course of several months - it was better for me that I just do them all, and get them out of […]

Several Ounces Of Prevention

An ounce of prevention is worth a pound of cure. -Benjamin Franklin Moving beyond the day-to-day management of my personal finances, it’s important that I think about strategies which will promote long term financial stability.  Lately, I’ve been thinking about insurance, end-of-life documents, and organization.  Mundane topics, to be sure, but it pays for me to focus on these areas now, so that I […]

Social Media Sites That Help You Manage Your Finances

When I started No Credit Needed four years ago, there were only a handful of personal finance blogs.  Now, there are thousands of them, with hundreds that update their content on a daily basis.  Keeping up with all of the available information can be daunting, so I’ve gathered a few links that make it easier to connect to the information you need - and the people who write about personal finance. […]

Avoid These Rookie Mistakes - Overdraft Fees

As a fan of the Atlanta Falcons, I am really looking forward to the upcoming 2009 - 2010 NFL season.  Most of my enthusiasm centers around the Falcons’ second-year quarterback, Matt Ryan.  Last year, as an NFL rookie, Ryan lead the Falcons to a surprising 11 - 5 record and a birth in the NFL playoffs.  He did so while passing for more than 3,000 yards (only the second rookie in history to do so) w […]

Filed 2008 Federal And State Income Taxes

I have just finished filing our 2008 income tax returns.  I managed to do a pretty good job estimating our withholding and quarterly prepayments.  We will receive a small refund from our federal return, and we only had to pay a very small amount in additional taxes to our state government. Unlike last year, I did not make any contributions to my SEP-IRA.  I did so last year to reduce our tax liabi […]