Reader Question: Can You Write “See ID” Rather Than Signing Your Credit Card?

I can’t remember the last time I’ve signed the back of a credit card, and I use my credit cards (one for personal travel and big expenses, one for all other personal expenses, and one for business expenses) almost every day. […]

Credit Report Bumpage: Knocking Off Hard Inquiries

Before I started spending most of my time writing for, I spent many of my formative years at Fatwallet (as far back as 2001!). One of the big ideas in the Finance forums was the App-O-Rama, where you applied for a lot of credit cards in a short period of time (on the order of just a few days). […]

How to Establish a Credit History Without Losing Your Shirt

This is a guest post from Adam Jusko, founder of, an information and comparison site for credit cards that maintains a list of over 1200 cards. You can follow Adam on Twitter for quick credit tips and opinions. […]

Portfolio Recommendation Beats S&P 500 by 9.4%

The following is a guest post from Marotta Wealth Management. For those of you interested, I have a similar, though not exact, investing strategy to the one he details below. Exactly a year ago I encouraged you to avoid another lost decade in the markets. I recommended a specific balanced portfolio that today is beating the S&P 500 by 9.4%. […]

Where is that extra French hen?

(If you have a true love, then you have thirty of them from last Christmas! Most people really only need twenty-nine French hens.) Regifting this year is up.  Way up. […]

Sneaky Credit Card Trick: Adding New Annual Fees

A while back, we had some issues with our Advanta credit cards. Our business card accounts were closed with little warning. Advanta was one of those issuers that decided to shut down their credit card division due to tough business conditions. This time around, we’re hearing rumors about what may happen to personal credit cards. […]

Daily Links: Frequent Flyer Master Edition

As many of you know, my pal Chris Guillebeau is crazy. He’s been to 119 countries, and he just keeps on flying. He wants to see them all before he turns 35 (in April 2013). As you can imagine, Chris has accumulated a hell of a lot of frequent flyer miles over the past few years. He says he currently has 676,583 miles in eight accounts. But not all of these come from flying. […]

Converting Paper Savings Bonds to Electronic Form With SmartExchange

This is just a quick followup to yesterday’s post about Series I Savings Bonds. As I noted in that post, you are limited to purchasing $5k of these bonds in electronic and paper form each year for an annual total of $10k (per Social Security number). Assuming that you max out, this means that you’ll be the proud new owner of bonds in two forms. Yuck. […]

How I Use My Net Worth as a Psychological Carrot

I like keeping score. Keeping score is an easy way for me to know how well I’m doing. It lets me judge, in a very clear way, whether I’m improving and whether I’m making forward progress towards my goals. For a long time, I was obsessed with keeping score in various aspects of my life against other people. I’d keep score with the various gadgets we had. […]

The Trouble With Target Date Funds

Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. […]

Ask the Readers: Do You Have the Tools? (Chance to win MS Office!)

By Linsey Knerl Do you have the tools to succeed? There are many ways to go about managing your personal and business finances. We often share our best tips here on Wise Bread, and we also love to hear how you tackle the messy task of keeping all your pennies in a row! […]

Resources for Freelancers

By Philip Brewer Changes in the economy have pushed more and more people into part-time, temporary, and freelance work, as more and more companies cut back on traditional, long-term, full-time employees. […]

PocketSmith Calendar Budgeting Tool

This post is a continuation of a series of reviews I’m doing for popular budgeting packages after our recent Personal Finance Hour episode on budgeting. […]

Best Deals For Tuesday 11/10/09

By Paul Michael Today's WISEBUY. 50 MP3 Albums For Just $5 Each The MP3 Store continues to offer downloads of 50 editor-picked albums for $5 each. Each is well below what iTunes charges.   FREE Paul McCartney MP3 and Video Download Get a (legal) free song and video from Paul McCartney's new album,"Good Evening New York City," both immediately playable on your Ipod. […]

Why You Shouldn't Buy Tires at Costco

I've now purchased two sets of car tires from Costco. They are great tires (Michelin) at the best prices I could find anywhere. The first set lasted as advertised and I had no problems with them or the service at Costco. But the second set has been a bit different. Not with the tires themselves, but with the service from Costco. It's so bad that it's making me re-think my future tire decisions. […]

“What Works For You” Can Be a Trap

One of my favorite bloggers, and likely one of yours, is J.D. Roth. He has been writing about personal finance at Get Rich Slowly for some time now, and I was a fan of his writing at foldedspace when “blog” was still a new word. […]

Start Making Year-End Tax Moves Now and Save Big Money

It’s not even Thanksgiving yet, but the tax year is rapidly drawing to a close. In less than two months we’ll starting 2010 so if you’re planning on making some year-end tax moves, now is the time. Unfortunately, most people wait until their W-2s and 1099s start coming in before seriously thinking about taxes, but by then you’re left with very few options to correct the current tax year mistakes. […]

The Presentation Secrets of Steve Jobs

By Lynn Truong I was excited to read The Presentation Secrets of Steve Jobs: How to Be Insanely Great in Front of Any Audience, written by columnist Carmine Gallo. I've been to a lot of conferences and sat through a lot of bad presentations. But on a few rare occasions I'd sit in on a spectacular one. It wasn't just informative, but engaging, inspiring, and entertaining. […]

Way to Save #114: Water Early

Try to water your lawn between 6 and 8 AM. That minimizes evaporation. […]