The Safest Way to Invest in Gold

The following is a guest post by Shaun Connell, the webmaster of Learn Mining News. Complete financial security is impossible. No matter what happens, you can lose your shirt – no bank, no government, no portfolio is foolproof. […]

Reader Mailbag: Travel Thoughts

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. A pile of problems 2. Financially helping a boyfriend 3. Vinegar and water for cleaning 4. What debt comes first? 5. Subsistence farming 6. How much term insurance? 7. Thoughts on iPad 8. Entrepreneurship gone bad 9. […]

6 Great Reasons for Paying off the Mortgage on Your Home

Should you pay off the mortgage on the home you are living in? Mortgage interest rates are at historic lows and a fixed rate mortgage seems to be a deal of a lifetime right now, so why would anyone pay it off? […]

7 Reasonable Alternatives to Buying

Rumor has it that we tend to spend less in retirement, but it sure seems as though we come up to the buying intersection more frequently as we grow older. Worst of all, it's as if the intersection gets wider with more traffic so our decision gets more complicated as we age too. Will buying that HDTV affect our savings goal? […]

What Tinky Winky Taught Me About Money

If you’re a parent, you probably know who Tinky Winky is. He’s one of the infamous Teletubbies – those colorful little TV creatures who live in Teletubby Land, of course. You remember his friends Po, Dipsy and Laa-laa, don’t you? I knew it would all come back to you. […]

LLC's, and S Corps, and C Corps! Oh My!

ShareThisIn the mind of many entrepreneurs, there is nothing more dreaded then spending many of their key start up hours agonizing over which form of business entity is best for their new company. […]

Could You Be an Entrepreneur?

Somehow over the past several years, I’ve been increasingly finding myself in the position of an entrepreneur. Throughout my life, I have been a bit of a self-starter with the ability to inspire others to join my causes, whatever they may be. I’ve never considered myself an entrepreneur, however. […]

New ING Direct Electric Orange Checking Promo Code

ING Direct has been working hard to promote their checking accounts and their sweet $50 checking account bonus has returned once again. The promotion is very simple, just go to the Electric Orange information page and click the orange “Apply Now” button. On the next page, click on “Continue” and put in E7NSTND into the reference code box. […]

Take Only Photographs: Frugal Souvenirs

This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Travel is a gift. We get to see new places and cultures, meet new people, and expand our lives. […]

Help a Reader: To Refinance or Not?

Here's an email I recently received from a reader: My husband and I purchased our home in July 2007 and locked into a $232,000 mortgage at 6.75%.  We did not put any money down.  Today our home would appraise for somewhere between $200,000 to $208,000 and we still owe $225,000 on the mortgage.  With rates so low, we would like to refinance--either FHA or conventional (somewhere around 4.5%).  H […]

A 30-year fixed rate mortgage is protection money

Thirty-year mortgages rates haven’t been this cheap in my lifetime.  Considering this was the year of my 20th high school reunion, that’s a fairly long time. A fixed-rate mortgage costs more to obtain than an adjustable-rate mortgage of the same term because the lender bears the interest-rate risk.  The means that the lender agrees to charge you a constant interest rate for up to […]

Need an easier way to send money? ZashPay Lends Some Advice In Our Tweetchat at 4:00 CST Today

Link for teaser title: twitter-logo2_0_0.jpg Join our Tweetchat today from 4:00 – 4:45 pm CST for lively conversation and a chance to win prizes! ZashPay is joining us to tweet about the newest way to send and receive money to those you know or owe. […]

EverBank Sign Up Bonus: $75 To Open Savings Accounts

My favorite online bank has a new promotion that you may be interested in if you’re looking for a new savings or checking account with relatively higher returns. I think it’s a pretty good deal if you consider their 3 month bonus rate for new accounts plus the guarantee that the yield that you receive will always remain in the top 5% offered by leading banks. […]

Ten Big Mistakes #8: Credit Card as Emergency Fund

Along my financial journey in life, I made a great number of mistakes. In this ten part series which runs from July 19 to July 30, I’m going to focus on ten of my worst mistakes and the difficulties and successes I’ve had in overcoming those mistakes. I treated my credit card as my emergency fund. In late 2004, the brakes failed (in a nearly catastrophic fashion) on my 1997 Ford F150. […]

Life Planning Part 2: Just a Few Years Left

The following is a guest post from Marotta Wealth Management. For part 1, see Life Planning Part 1: Plenty of Money. George Kinder, a member of the National Association of Personal Financial Advisors and a fee-only financial planner, founded the Kinder Institute of Life Planning. […]

Historical Mortgage Rates

Wondering why everyone is talking about mortgage rates these days? If so, then check out this graph… This is a graph of historical mortgage rates going back to 1986. As you can see, rates on 15- and 30-year fixed rate mortgages are currently really low. Back when we bought our first house in 2002, we were paying something like 6.5% on a 30-year fixed rate mortgage. […]

$250,000 FDIC and NCUA Insurance Limits Permanent

The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173) has gotten a lot of press lately because it represents the biggest reform of Wall Street in quite some time. […]

Help a Reader: Paying Off a House

Here's an email I recently received from a reader: My wife and I are 26 years old, and we gross about $130k annually.  We just finished paying off roughly $68k in student loans.  We have no other debt except our house.  My question deals specifically with paying off our house.  Here are the important facts: Our current house payment is $750/month (not including taxes and insurance). […]