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!  There is nothing quite like the holiday atmosphere and all that it entails.  That being said, there is one part of Christmas that I will just never understand - presents.

What if your credit card issuer sent you an apology in the form of flowers if you were dissatisfied? What if, instead of treating you like a number, you felt as though you were treated like a friend? That's philosophy behind Argentina's Tarjeta Naranja, a local credit card on the verge of going international.

It doesn't get much better than receiving cold-hard cash back just for using a credIt card for your every day spending.  Here are the benefIts for using the MBNA Smart Cash MasterCard:

One of the most irritating things about dental insurance is the premiums per year often come to more than simple check-ups and the most basic procedures provided every year. Many Americans are left wondering why they are wasting their time paying for this policy. The truth is it works the same way as health insurance. You're paying for peace of mind. In the short-term, you may not make any money at all. In the long-term, you're making a big profit because of the big ticket procedures.

Having an investment strategy is great an all but it's only as good as your resolve to stick with it. Here are five tips to help you stay with your investing strategy.

"I love Apple and have pretty large exposure to it. Now some of you who've been around here for a while might be scratching their heads. After all, how can a guy that has an ETF eBook sign up on the right hand side of his blog suggest a specific stock to buy?"

It can be confusing trying to figure out what's best for you - the Roth IRA or the TradItional IRA. They are similar but have great differences. See the differences so you can decide which is best for you.

Are you in debt and fighting to get out of it? Consider The Debt Movement. I interview Jeff Rose, founder, about what The Debt Movement is all about.

This will be a HUGE 3-month push to pay down debt. You will have the opportunity to join together with personal finance bloggers as well as people like yourself who are working their way out of debt.

A 401(k) plan is generally a good thing to have at work. But not all plans are created equal. You may have a bad 401(k). See how to spot a bad 401(k).

Many think having more money means the rules of money management don't apply. Money management requires you to understand something could change and be prepared.

When you contribute to a 401k as your primary savings for retirement you can increase the value of your savings.

I knew the second that I started reading Financial Shenanigans: How to Detect Accounting Gimmicks and Fraud in Financial Statements that I would love it.

Health insurance consumers may have seen Medical Loss Ratio letters in the mail or perhaps even received a rebate check. But what is this medical loss ratio? Read on to find out.

Should you be focused on student loan repayment as soon as you're done school?  If not, how quickly should you pay off your student loans?