≡ Menu

No Transfer-Fee Credit Card

Chase Slate – 15 Months of 0% Intro APR. No intro balance transfer fee. No annual fee.

Ultra-Long 0% Intro APR Credit Card

BankAmericard Credit Card – 18 billing cycles (months) of 0% Intro APR on balance transfers. No annual fees.


Discover credit card JAN-MAR 2017

5% Cashback Bonus at Gas Stations (stand-alone)

5% Cashback Bonus at Ground Transportation

5% Cashback Bonus at Wholesale Clubs

from 1/1/2017  through 3/31/2017

  • Maximum cashback amount : upto $1,500 in purchases.


visit https://www.discovercard.com and activate


When you sell shares, at Fidelity by default will sell the shares which you hold for longer time ( first in first out stock sales- FIFO method ). If you sell the stock with higher cost, you may expect a lower realized capital gain which is called Tax loss harvesting.



Polls are open 7 AM –7 PM on Nov 8 2016 ( You will be allowed to vote if you are at your polling line by 7 PM)

You must bring an ID accepted by the election authorities

Here is the link to find your polling location using Google #Everyonein2016 https://g.co/kgs/QHMm0P


Annual benefit enrollment is here. You will make your enrollment elections now through the final date set by your company.

Your company might have informational sessions and meetings with a benefits specialist for you to learn about the enrollment options and cost associated with it.


6 Tax-Saving Strategies

These 6 tax savings tips will allow you to help to save tax at the year-end.

1. Contribute to a tax-advantaged retirement plan or health savings account.

2. If you’ve reached age 70½, remember to take required minimum distributions.

3. Donate to charity.

4. Take advantage of a qualified charitable distribution.

5. Reduce capital gains with tax-loss harvesting.

6. Review your deductions to maximize tax savings (Itemizing deductions, medical and miscellaneous deductible expenses, etc )

via [Six tax-saving tips to complete by year-end]


What is Tax loss harvesting?

You can sell stocks, bonds, mutual funds, or other investments that have lost value, to reduce taxes on realized capital gains from winning investments. It’s called tax-loss harvesting.

You can offset capital gains when you have a investment losses on stocks, bonds, mutual funds, or other investments that have lost value( both short-term and long-term on stock).


Here is the IRS tax rates that you will use to prepare your 2016 tax returns in 2017. 2016 individual tax returns are due by Monday, April 17, 2017.

7 brackets : 10%, 15%, 25%, 28%, 33%, 35%, and 39.6%.


Taxable Income Tax Rate

Fidelity comparable Vanguard Sector ETFs

Fidelity Sector ETFs Vanguard Sector ETFs
Fidelity MSCI Consumer Discret ETF (FDIS)
Vanguard Consumer Discretionary ETF (VCR)
Fidelity MSCI Consumer Staples ETF (FSTA)
Vanguard Consumer Staples ETF (VDC)
Fidelity MSCI Energy ETF (FENY)
Vanguard Energy ETF (VDE)

Coverdell Education Savings Accounts (ESAs) plans is similar to Roth IRAs, The money you deposit into this account is pre-taxed, all growth and distributions are tax-free. It is a great way to fund elementary and high-school expenses as well as college education for your kids.

  • Contribution limit – $2,000 per year