The Biggest Savings on Allergy Relief Medications for Spring

Savings on Allergy ReliefAfter a cold and snowy winter in many parts of the country, temperatures are starting to warm up. The days are already longer with the extra hour of daylight from daylight savings. The arrival of spring also brings with it a familiar sight of cars and everything else covered in a layer of yellow pollen.

When everyone else is looking forward to spending more time outside enjoying the warmer days and blossoming flowers, for those of us with allergies spring means seemingly endless suffering from runny noses, congestion, sneezing, and itchy, watery eyes. It is during this time of the year that stores see their stocks of allergy medication go flying off the shelves.

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A Million Dollar Bet On How Index Funds Are Better Than Hedge Funds

Million Dollar Bet Against Hedge FundsFor most people, professionally managed investing means buying mutual funds. For the wealthy, this may mean getting access to hedge funds, the exclusive investment vehicle available only to qualified investors. For outsiders looking in, hedge funds are how the rich get richer.

In 2005, what is possibly the greatest investor of all time, Warren Buffett offered to make a $1,000,000 bet with anyone that over ten years, a boring; low cost; passively managed S&P 500 index fund will outperform any collection of hedge funds. This is what happened.

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Save and Even Profit From the Toys R Us Closing Sale

Toys R Us Closing SaleRIP Toys R Us and Geoffrey the Giraffe. After 70 years, Toys R Us along with Babies R Us are going out of business and closing their doors for the last time.

The popular toy store, which was part of many of our childhoods growing up, has announced that they will be shutting down or selling off their 735 stores. The massive liquidation sales began on Friday, March 23 and are expected to run through June.

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How To Cancel A Chase Credit Card

Cancel Chase Credit CardJPMorgan Chase is the second largest card issuer of credit cards in the U.S. with over 80 million cardholders and $131 billion in outstanding credit card loans. In recent years, the Chase Sapphire Preferred and Reserved cards have been extremely popular with bonus points chasers and many card-enthusiasts thanks to 2x and 3x points on travel and dining and no foreign transaction fees. Those cards however have an annual fee, which in the case of the Chase Sapphire Reserved is a hefty $450.

If you have a Chase credit card and want to lighten the load on your wallet, both literally and figuratively with the Sapphire cards, follow these instructions on how to cancel your card online, by phone, or mail.

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How To Cancel A Capital One Credit Card

Cancel Capital One CardCapital One is the third largest credit card issuer in the United States so when their commercials ask “What’s In Your Wallet”, if you don’t have a Chase or Citi credit card, you probably have a Capital One.

I have their Quicksilver rewards card, which was a decent 1.5% cashback card at the time until it was surpassed by Citi’s Double Cash card. What makes Capital One’s cards still worth keeping even now though is their no foreign transaction fees if you travel internationally. But what if you have better rewards cards you’d rather carry in your wallet and you want to cancel your Capital One credit card.

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How To Cancel A Citi Credit Card

Cancel Citi CardAre you thinking of closing a Citi credit card? Maybe you’ve taken advantage of some of the lucrative American Airline bonus miles that Citi was offering with the Aavantage Executive card and now you are facing a big annual fee for the next year. Or maybe you have too many cards in your wallet that your back is starting to hurt and you want to lighten the load.

Whatever your reason is for deciding to cancel your card, it does not have to be a hassle.

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How To Cancel An American Express Card

Canceling An Amex CardWhile American Express credit and charge cards come with a lot of impressive member benefits, sometimes cardholders decide to cancel their cards. It may be because they no longer use the card regularly or they do not want to continue paying the annual fee, which on American Express cards are higher than many other issuers.

If you wish to cancel your Amex card, follow these easy steps on how to cancel your card.

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FICO Credit Score Revealed: 5 Factors That Affect Your Score

FICO Credit Score Factors AnalyzedWhen you are getting a loan, a new credit card, or even a quote for car insurance, a little three-digit number determines whether you are approved and what rates you will pay. This number is your credit score and it is calculated from everything that is in your credit report to determine your credit worthiness. Lenders use your credit score to quickly decide the chances that you will repay your loan obligations if they do business with you.

As you can imagine, your credit score is very important in your financial life. It is not often that someone can pay for an entire house in cash, so for most people earning and maintaining a high credit score is key.

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How Long To Keep Your Tax Returns and Records

Snow Covered MountaintopBefore I started doing my taxes myself, I had a CPA and each year I would receive a manila folder from him that was almost an inch thick containing a copy of my tax return and all the supporting worksheets. I think that was his way of justifying how much I was paying him for tax services. That folder would join the other folders from previous years in a big file cabinet never to be taken out again… until last fall when I had to move the cabinet to paint the room.

Maybe you are in a similar situation and have years or even decades of previous tax returns and receipts taking up your shelves and are wondering how long you need to keep them around in case you need them.

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