Is MagicJack a Scam?

By WC Porter How much would you pay for unlimited local and long distance on your land line? Verizon's Freedom essentials offers all that and caller ID, voicemail, and call waiting for $54.99. AT&T offers a similar deal for around $34. I say "around" because their site is very confusing to get a quote from unless you're willing to actually order service from them. […]

Are Values-Based and Socially-Responsible Investments Worthwhile?

Yesterday, FaithShares added two new exchange-traded funds to their lineup, already consisting of funds called “Catholic Values,” “Christian Values,” and “Methodist Values.” These and the two new funds, “Baptist Values” and “Lutheran Values,” focus on investing in only those companies that live up to the values encouraged by each of these communities. […]

Beware Wine Expert Ratings & Rankings

Since we’ve been doing a lot of “cooking as entertainment,” my wife and I have started drinking a bit of wine to help make cooking more entertaining. Always price conscious, we set out to buy wines that we enjoyed but didn’t bust the bank. As twenty-somethings, we really don’t need our palates reaching beyond our pocketbooks, if I may be so bold in my use of alliteration. […]

How I Cut my Comcast Cable Bill by 33% (Without Losing Any Service)

Last week, I wrote that you can negotiate anything. This guest post by G.E. Miller gives a real-life example of using negotiation to save money. […]

Net Worth for the US House of Representatives

Check this out -- it's a list of the net worth of every US House Representative. Quite interesting indeed!!! Two things to note as you look at the list: There's wiggle room. When members of the House file their financial disclosure, they are only required to report approximately how much they have/owe in each account. […]

The 12 Days of Christmas Price Index Reflects Consumer Prices

Around this time of year, the media likes to get into the holiday spirit by tracking the “12 Days of Christmas Price Index” as a way to look at the real CPI (consumer price index) through whimsical glasses. […]

$150k plus $700/month for 175 square feet

Makes me wonder:  If I were to ask a New Yorker about the real estate collapse, they might tell me, “Real estate what?” Tough Money Love commented on Zaarath and Christopher Prokop’s postage-stamp real estate purchase: a 175-square-foot “microstudio” apartment, secured for the cool price of $150,000 plus a $700+/month maintenance fee.  He didn’t really know what to make of it.  Is it sad, stupid, […]

5 MORE Ways To Screw Your Credit Card Company

I’m giving credit cards another kick. I had so much fun writing 5 Ways To Screw Your Credit Card Company that I’ve decided to give those pesky plastic cards a second boot. […]

Want A Free Flip Video Camcorder?

Could I interest you in a video camera? Just in time for Christmas! If you’re interested in a free Flip Video Camcorder (worth around $120), then I’d like to direct you to the blog, Ask. Mr. Credit Card, where there’s an ongoing giveaway for 10 of these camcorders that’s sponsored by American Express. […]

Why a High Income Often Doesn't Translate into a High Net Worth

Here are some interesting thoughts from Stop Acting Rich: ...And Start Living Like A Real Millionaire on why a high income doesn't often translate into a high net worth: Within the high-income population, occupational status is negatively correlated with net worth. How can this be possible, given the fact that people with high occupational status tend to generate high incomes? […]

Ask the Readers: Do you Return Gifts? (Chance to Win $10!)

By Linsey Knerl We've all experienced a gift of a sweater that was too small (or worse yet, itchy.)  There are even tales of fine art presents that missed the mark of good taste and ended up hanging in the garage.  Then there are cases of getting two of something, where returning one would only make sense.  What are you gift return policies? Are you one of those giftees who keep a gift — no matte […]

How I Wrap Gifts, Christmas and Otherwise

Melanie writes in: Between the wrapping paper, ribbons, bows, tags, and other things, I’ve often spent $20-25 on just wrapping the gifts at Christmastime. This seems silly. How do you wrap presents? […]

Help Me Decide the Best of 2009 -- Your Vote Counts!!!

As many of you know, in addition to Free Money Finance I run a blog carnival that's called the Best of Money Carnival. In order to encourage both hosts and participants to be part of this event, I promised to donate $1,000 to the favorite charity of 2009's best carnival winning post and best host. And now it's time to decide who the winners are. […]

How to Request Your ChexSystems Consumer Report

The Fair and Accurate Credit Transaction Act (FACTA) and the Fair Credit Reporting Act (FCRA) give you the right to review your credit reports every twelve months. Most people are aware of the three credit bureaus (Equifax, Experian, and TransUnion) but did you know that the rule applies to all consumer reporting agencies, which includes several other types of reporting systems. […]

American Express Flip Mino Video Camera Giveaway

American Express wants to give away ten Flip Mino video cameras to ten readers. The giveaway is in conjunction with a big promotional push they’ve been doing for their American Express Charge Cards and the Membership Rewards program, AMEX’s reward points catalog. […]

Worth Trying?

In a piece about personal loans making a comeback, SmartMoney says the following: Peer-to-peer, or p2p, lending web sites like and enable consumers to be both borrowers and lenders. […]

Best Deals for Tuesday 12/15/09

Rubik's TouchCube $50 + $1 s/h Tommy Hilfiger Men's Atlantic Crewneck Sweater $17 Lands' End: up to 65% off kids outerwear FREE Personalized Video Message from Santa Claus Up to 75% off boots, up to 50% off bags + $25 gift certificate […]

Book Review: The Art of Manliness Classic Skills and Manners for the Modern Man

By Julie Rains I just finished reading The Art of Manliness: Classic Skills and Manners for the Modern Man by Brett and Kate McKay. Skills for building a career, surviving in the wilderness, and more are covered. […]

How to Make the Most of Your 401K

By Silicon Valley ... Most of us have a 401k account with our employer. But there are people who've decided not to participate in their employer's retirement program for a variety of reasons. Some employees feel that they simply don't have the funds to sock away, and make this an excuse to skip out on the free money that comes along with company matched 401k or 403b contributions. […]

Why You Might Not Want to Wait Until You’re Married With Children to Get Life Insurance

Should Singles Even Consider Life Insurance? Ask anyone if a single person without any dependents should get life insurance and you’ll almost certainly be told no. But like most financial decisions, it isn’t as black and white as that. Sure, if you’re just a single 30-something living alone without kids it would seem like buying term life insurance would be a huge waste. […]