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I wrote a couple of weeks ago about why some basic tax knowledge will not only help you to maximize your tax refund after the fact, but will also serve as good guidance on how one should plan financial activities beforehand. Case on point: my exit strategy on my investment in Apollo Group, Inc. (APOL).

For those of you who don’t know, Apollo Group is the operating of University of Phoenix, Inc. (UPX), an accredited university with predominant online presence, and many other educational institutions. I bought 400 shares of its stock at $35.07 apiece on November 20, 2006, following strong recommendation from Morningstar equity research’s recommendation. (In retrospect, I bought the stock almost at its 3-year nadir. What a perfect timing!)

Now the stock APOL is trading at over $75 apiece and I’m happily watching my original investment of $14,000 turned out to be another double-bagger. Apparently the stock is no longer cheap at 22 times forward P/E. In fact, in my latest monthly portfolio review, I have listed my target (sale) price of APOL as $65, but I still haven’t sold the stock yet. Why?

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If you have ever thought that you might need some emergency cash, then you have probably also thought about getting a payday loan. The ads are everywhere - in the mail and online. Now, though, you are wondering if it might be something you can get. Here is what you need to know about getting a payday loan.

One thing you will not need to get a payday loan is a good credit rating. It does not matter what your credit score is and they will not even check it. You could just ha…

Everyone has heard about payday loans. You have seen the advertisements and possibly received them in the mail, too. If you have need of some quick money, then a payday loan may be a solution to your need. What makes it even better is that it does not take long to fill out an application, and you can have your cash within 24 hours - some even send it within an hour.

Payday lenders are all over and are generally easily available through the whole Internet. The process invo…

Cash One offers faxless payday loans of up to $700. We provide fast & secure payday cash loan with no credit checks. So, join us to get personal cash advance you need & get freedom from your financial obligations.

Long-term readers of PFBlog knows I have been taking advantage of credit card companies for years. Especially, I’m very good at 0% APR arbitrage, whereby I sign up for new credit cards with attached introductory 0% APR balance transfer offer, move the entire balance immediately to my bank account, and enjoy the high saving account rates of 5% or more while remitting only the monthly minimal payment back to the credit card company.

Of course, this strategy will drag down your credit score. Last summer, especially, I applied five cards in two months’ time, and my credit score tanked from 720s to 640s, and I was essentially denied new credit application after being seen a credit risk by most banks. But credit score is only of cosmetic value if you don’t need credit any time soon. To me, after all, I have no better use of my credit score now that I’m sitting on a portfolio of over $800k and has no plan to buy a property any time soon.

The below chart is a great summary of what happened in the last dozen months:

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Hot Deal: 5% cashback on everything from Citi CashReturns Mastercard

Read more news like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.

Now you can always choose to tackle the annual chore of filing tax return by 1) learning to file tax yourself, or 2) paying someone else to file your tax. You may think the difference is just the $100 or so you pay someone sitting in the booth in Walmart in April, but it can be much more than that.

Take myself as an example, given that I’m working in Asia, taking paycheck from a US-based company corporate entity, running a sideline business and still having to pay federal income tax in the States, my tax profile is on the complicated end of the spectrum. I’m thankful that my employer is paying KMPG several thousand dollars a year to file my tax. I will never be able to figure out how to navigate the intrigue laws governing federal tax on foreign earned income.

Now I also need to confess I’m a control freak when it comes to managing money, so in each of the past two years, I took KMPG’s draft return, and crunch every line again in a mass-market tax software, until I can satisfactorily say I understand how all numbers are tied together to produce my total tax number.

This exercise took me about 10 hours every year, and it is worth every minute I put to it. Why? In each of the past two years, I found at least $2,000 worth of error in my favor. The first year, KMPG classified my business income as US earned instead of foreign-earned, effectively depriving me of the opportunity to offset some of my foreign-paid tax. The second year, KMPG even forgot my employer withhold taxes from my vested restricted stock grants.

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Hot Deal: 5% cashback on everything from Citi CashReturns Mastercard

Read more news like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.

CCJ loans are just like any other bad credit loan. Even if a person does not own a home or can not use their home to secure the loan, there are still CCJ loan options.

Removing a County Court Judgment (CCJ)

Please note a County Court Judgement will not hinder your chances of getting a CCJ Loan. Its no longer difficult to get yourself a 100% instant bad debt ccj loan unsecured with minimum hassle and in the shortest time. Removing a CCJ is difficult but possible althoug…

It is not easy to choose one loan amidst hundreds of loan offers. The only way is to compare loans and find out which loan suits you the most…

There is a famous saying - All work and no fun made jack a dull boy. Holiday gives us a break from our repetitive routine life and gives us a chance to explore the world with joy and joviality. Holidaying is the ultimate one that rejuvenates and revives us from the mundane monotony. So if you are tired of your daily routine life and need your batteries to get charged, then go for an exotic trip. Holiday loan is here to take care of all your worries. You can take holiday loan to manage all of your and your partner’s holiday expenses during any trip.

Unsecured tenant loans are available to all types of tenants without asking for any collateral to be pledged with the lender. They are available to bad credit borrowers as well. Rates can be lowered with the help of proper research and comparison.