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And the student loan interest deduction isn't a credit, it's just a deduction, meaning that even if your marginal rate is 25%, you're still throwing away 75% of the 6.8% interest. It's the same argument perpetuated by people that don't understand taxes when they talk about deducting mortgage interest.
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Jan 28, 2010 20:31
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Is Ally really as good as it looks on paper for a checking account? No ATM fees, interest paid, free transfers, etc...am I missing some horrible catch? My main checking account bank, BMO Harris, decided to start charging fees for out of network ATM use without telling me, which doubly sucks because of how utterly terrible their ATM network is. I already have an ING/Capital One savings account that I'm not looking to move - I want to use Ally strictly as a checking account for now.
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Dec 16, 2013 23:00
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Philthy posted:They've always charged for out of network. However, if you have more than (I think) 2,000 in either checking or savings, they reimburse you for the first 4 or 5 per month. If you're me, you use an ATM maybe once a week. You get all the money back. They don't list a minimum deposit for this, but it's probably somewhere in the fine print. I have zero issue keeping a buffer that will allow me to get reimbursed all around if that's the case. My joint account with my wife already has a physical location so worst case, I can deposit cash in the joint account, write myself a check from it, and cash it with the app.
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Dec 16, 2013 23:43
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