CANDICE CHOI

AP Personal Finance Writer
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To lower interest rates, Citi customers must spend

For Citibank credit card holders, there is one way to escape the bank's rate hikes currently under way: Meet a monthly spending requirement.

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Be a generous holiday tipper, without overspending

This holiday season, a leaner budget might clarify which people truly make a difference in your life. The challenge will be figuring out how much to tip them.

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Checking accounts: A new source of fees?

First, terms on credit cards got harsher. Now some people are seeing higher fees on their checking accounts.

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You've seen the TV ads. So what is Ally Bank?

Its TV and print ads poke fun at the bait-and-switch tactics of other banks. Its interest rates on CDs have been the most generous in the industry.

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When giving gift cards, understand the pitfalls

You buy your sister a $100 general purpose gift card. It's for her birthday, but it might be the bank that has reason to celebrate.

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Meltdown 101: How does a hedge fund work?

The arrest of a billionaire in an insider trading case last week drew new attention to hedge funds — investment firms that, for many, evoke an exclusive world where the super rich use exotic investing techniques to grow yet richer.

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Pay or walk? Annual credit card fees test limits

How much would you pay to keep your credit card?

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American Express drops gift card dormancy fee

At a time when credit and debit card fees are under fire, American Express Co. said Wednesday it will no longer charge monthly fees on its gift cards.

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Meltdown 101: Navigating bank overdraft fees

Overdraft programs for checking accounts are now an industry standard, meaning most bank customers can accidentally spend more money than they have — and will be charged a fee when they do.

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Credit cardholders could have more say in court

When handling consumer disputes, credit card companies have a critical tool for keeping down legal costs: The option to avoid court and go to arbitration.

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Meltdown 101: What is CIT, and what if it fails?

You may not have heard of CIT Group Inc., but there's a good chance you've shopped in stores that it helps keep in business.

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Credit card pain: Some say goodbye to fixed rates

It could be time to kiss fixed-rate credit cards goodbye.

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7-Eleven rallies customers against card fees

Riding a wave of public outrage over credit card practices, 7-Eleven Inc. wants to show merchants are victims of the industry too.

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Will or trust? Understanding the differences

One of the big mysteries in the chaotic days following Michael Jackson's death was whether he left behind a will.

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For modest earners, relief repaying student loans

Repaying a student loan could soon be a little less painful.

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Meltdown 101: Can I settle my credit card debt?

Pay a fraction of what you owe, walk away debt-free.

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Meltdown 101: Likely reforms aimed at consumers

With all the talk about the need for greater economic oversight, what new protections can people expect when it comes to their day-to-day finances?

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Meltdown 101: What's a preferred share?

When a company's balance sheet is in tatters, is an investor any better off holding preferred stock?

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Meltdown 101: How new credit card rules affect you

The overhaul of the credit card industry is being hailed as a triumph for long-abused consumers. But before you start banking on falling interest rates or vanishing fees, you might want to read the fine print.

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Meltdown 101: What do stress tests mean for me?

Now that the highly anticipated results of the stress tests are finally out, what kind of service changes can you expect from your bank?

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Meltdown 101: COBRA help for small biz workers

The good news: The government is offering a big discount on health insurance for laid-off workers.

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Meltdown 101: Is there a downside to mortgage aid?

It's welcome relief for homeowners struggling with mortgage payments.

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Allowance 101: How to make your kids money savvy

Scrawled in big, pink letters across three envelopes are the words "spend," "save" and "give." It's how second-grader Chloe McLaughlin organizes her $8 allowance.

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New student loans require payments while in school

The running joke about student loans: Don't ever graduate, since you don't have to start paying them back until you do.

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3 winning ways to help your teen find a summer job

Your teenager has some new competition for jobs this summer. Namely, the growing army of 12.5 million out-of-work Americans hungry for a paycheck.

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