Insurance: Choosing the right plan

This the second of four articles about health insurance by Joanna Lahey, an associate professor of economics at the George H.W. Bush School of Government and Public Service at Texas A&M University and the National Bureau of Economic Research (NBER). You can read the first one here. The subsequent articles will be published on the next two Saturdays. […]

Help a Reader: Networking with Executives

I recently received the following email from a reader: I would like advice on networking at the executive level.  I am at a point in my career where I am getting interest from lower level executives at my company.  I am certainly several steps away from their positions, but I would like to build the relationships into mentoring relationships.  I have met these people for lunch and gotten time on […]

Use the “One Month” Coupon Strategy (306/365)

One of my favorite tactics in life is to apply the 80/20 rule to everything. In a nutshell, the 80/20 rule states that you get 80% of the benefit of something from 20% of the effort you put into it. The trick is that you have to have a good understanding of what you’re doing to be able to figure out what the 80% benefit is and the 20% effort is. This brings us around to coupons. […]

Credit Life Insurance: You Don’t Need It

Occasionally, Consumerism Commentary readers send in questions or stories they’d like to share with a wide audience. These questions and stories come to me through email, via Facebook, and through this website. […]

Make a Mason jar sewing kit to mend costly clothing repairs fast

The salesperson offered the gal a 10% discount for a wool cardigan missing a button. If the picky gal hadn’t snubbed the deal, she would have saved $8.50 (plus tax) on a high quality sweater with a fixable flaw. […]

The Windfall Question

Perhaps three or four times a week, a reader will email me asking what they should do with a sudden windfall that they’ve inherited, whether it’s from a deceased relative, lottery or gambling winnings, or some other source. Almost always, their goal is to keep the money safe for the short term while also earning some level of return on that money while it’s safe. […]

Your Take: Will You Vote?

With the election next Tuesday, it’s natural that the Your Take the Friday beforehand would be this one – will you be voting? Why or why not? I’ll be voting. Our polling place is actually just a ten minute walk from our house so I’ll wander over sometime mid-morning and cast my ballot. There are some very interesting referendum questions here in Maryland. […]

Ask the Readers: How do you keep holiday tipping in check?

This post comes from J. Whiton. I’m preparing a holiday gift budget for family and close friends and realize I should factor in year-end gifts and bonuses to myriad people who provide services to us throughout the year. I’ve gotten the memo that “it’s the thought that counts,” but I’m not sure my newspaper delivery person has. […]

11 Ways to Save Money on Holiday Travel

  The holiday season isn’t just about shopping and gifts; a great deal of travel also takes place during this time of year. Unfortunately, holiday travel can get expensive fast—faster than the wrapping paper flies off those gifts. These 11 tips will help you keep your travel spending under control. (See also: 7 Ways to Get the Best Fall and Holiday Travel Deals) 1. […]

Best Money Tips: Ways to Use Leftover Halloween Candy

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on ways to use leftover Halloween candy, safeguarding your career switch, and saving money on holiday shopping. Top 5 Articles Sweet, Sweet Hangover: 9 Ways To Use Up Leftover Halloween Candy — To use up leftover Halloween candy, top ice cream with it. […]

Don't Let Your Bank Pick Your Homeowner's Insurance

If you're thinking about letting your home's property or flood insurance lapse because you think you don't need it or money's tight, here's a word of advice — don't. (See also: 9 Costly Things New Homeowners Don't Prepare For) Your bank can make you pay for home insurance in what's called lender-placed or forced-placed insurance. […]

Star Money Articles and Carnivals for the Week of Oct 29

As a reminder, I am currently running the $25k Red Kettle Challenge. Here are some pieces I found especially worthwhile and some of the carnivals Free Money Finance was in this week: MoneyWatch lists Social Security tricks to maximize payout. Jesus Money tells how to help others financially. Preciously Preserved had way too much fun shopping. […]

Try Warehouse Shopping (305/365)

Sarah and I have been members of Sam’s Club since we were in college. It’s the only warehouse club within fifty miles of us. Over the course of a few weeks, we’ll build up a list of items that we need to buy in bulk. Toilet paper. Whole grain bread. Paper towels. Snack bars for our children’s backpacks. Pens. Printer paper. […]

Open Enrollment in Full Swing

I’m not sure about you, but my employer’s open enrollment period is in full swing. In fact, there’s just over a week remaining for those that want to change their elections. I’m not sure about you, but we’re not changing anything — at least not in terms of our health insurance. […]

4 Unexpected Uses for a Roth IRA

Most people know that a Roth IRA is a great retirement investment if your income is below $110,000 if filing as a single person or if you and your spouse’s income is below $173,000 if married and filing jointly. What makes the Roth so attractive is that since you’re putting in after tax dollars, you can withdraw the money tax free in your retirement. […]

Three Things to Do When Your Bank Gets Eaten

This is a guest post from Richard Barrington. This spring, my bank got eaten. I was very upset. By eaten, I mean taken over by another bank. I shouldn’t have been shocked that this kind of thing happened – after all, I spent over twenty years in the investment business, so I saw plenty of merger and acquisition activity. […]

Predicting 5 of the Hottest Toys for the Holidays 2012

Every year, it seems as though there are a few toys that everyone just goes crazy for. And, once these toys are identified, they fly off the shelves. They are hard to find — and may even sell out. […]

Price Gouging: How to Know and What to Do

Price gouging is often a problem after natural disasters, but what appears to be gouging might not always be a plan by unscrupulous business owners to take advantage of needy consumers. During regular operations, there is rarely a need for a business to increase prices sharply for its customers. […]

Reader Mailbag: Personal Finance and Personal Growth Books

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. Entertainment expenses and singles 2. Charity receipts 3. Daily shaving 4. Self-interest and self-reliance 5. To-do lists online and off 6. Cheap and healthy travel food 7. Wedding gifts and money 8. […]