If you’re a savvy investor, you most certainly have a fair bit of cash tucked away for general spending and emergencies. The stock market is a long term investment and if 2009 taught us anything, it was to not have money you need to spend in the stock market. So where do you put the money you don’t want in ...
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(Daniel Leninger) Last November, Mint reported at length on the many ways that banks and creditors were sticking it to consumers in anticipation of the The Credit Card Accountability Responsibility and Disclosure Act of 2009 (set to take effect in February.) Among the various unsavory practices were sudden interest rate hikes, strict enforcement of overdraft fees, “due date ... 
One of the age old questions that many people have is whether having a good education will predispose you towards being wealthy. While there are many schools of thought on this, the general consensus is that it is easier to make more money when you have a special degree, but it’s not impossible to make money if you don’t. There ... Share This
Photo: Daniel Y. Go Everyone knows by now that long-term retirement planning is important, right? And you probably have some sort of budget or other system for planning daily, weekly, and monthly expenses. Great. Glad to hear it. But what about those medium-term, medium-size expenses like vacation, car repair, furniture, and holiday spending? You know, the expenses that ...  One of the biggest things I encourage people to look for when they open a bank account is that the bank is FDIC insured. Most banks operating in the United States offer this insurance. In an era where people are more than a little worried about bank failures and the like, FDIC insurance is vital. But what exactly is ... I’m sure you are probably wondering what the connection is between the two. I’ve posted before about the virtues of an Emergency Fund and how much they’ve helped me in the past. I’m sure this will be a controversial post but I wanted to stress again how important it is to have money set aside for those unknowns in your ...
Still not much action in interest rate land, but here’s another update. Reward Checking Accounts These are checking accounts, usually through local credit unions, that pay a very high interest rate if you jump through some hoops each month. However, if you make a mistake you’ll forfeit virtually all your interest for that month, so it can be tricky. ... 
Any time that you are asking someone for starter personal finance advice, one of the first things that you are going to be told is that you need to have a savings account in your name. But why are you necessarily going to need a savings account? The purpose of this article is going to be to explore the benefits ... 
Image Courtesy: BL1961
Today is the 5th anniversary of my grandfather’s death. I still miss him a lot but I know he is in a better place. My grandfather was like a father to me growing up since my father was not around. We lived across the street from my grandparents growing up so I got to see him everyday. He was ... |
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Bargaineering 2009 Annual Financial Review Week
Since Career Week was so successful, mostly because of all of your insightful comments, I thought I’d bring you another “week” of focused posts. This time, since we are so near the end of the year, we’ll be focusing on an annual financial review. In reality, the topics in this series apply to any time of the year,not just year’s ...