May 19, 2009

Financial Emergency Kits and Other Storm Preps

With the recent earthquakes in California and the June 1 start of hurricane season in Florida, the annual ritual of preparing for weather-related emergencies and storms is underway in my home. In addition to collecting candles and batteries, we're also creating an emergency plan for our money. […]

Help a Reader: Dealing with Real Estate Agents

Here's an email I recently received from a reader: I am in the process of looking for a house to purchase. In fact, I found a house I love -- I saw it last week. It was shown by a real estate agent. My boss is a broker, and told me today that he'd be my agent (I've never done this before, I'm 24 years old and can only learn so much so fast, so I gladly accepted the help). […]

On Travel Credit Cards: How To Travel With Money

It looks like we may have some travel plans in our horizon, but unfortunately, it’s not going to involve me personally. My spouse will be traveling to Australia to visit family in the near future, and has been wondering about how to keep his costs low during this trip. […]

A First-Hand Account of the Subprime Mortgage Crisis

Sunday’s issue of The New York Times Magazine was all about “the dilemmas of debt”, and featured stories like: “Suze Orman is having a moment”, a profile of the popular personal-finance guru “What does your credit-card company know aobut you?” “The China puzzle”, which looks at the economic relationship between the U.S. […]

GMAC Bank is Now Ally Bank, FNBO Direct Lowers Interest Rate

In an effort to distance itself from the General Motors brand, GMAC Bank is now known as Ally Bank. Ally is continuing to offer the 2.25% APY online savings account (as of May 19, 2009) and is also currently offering 2.8% APY for a one-year certificate of deposit account. […]

The Power of Transferrable Skills - And Six Areas to Work On

When I was in college, the vast majority of my classes were effectively training for a career in research and scientific data management. Seven years after graduation, though, I find myself drawing instead on the transferrable skills I picked up in other classes: public speaking, writing, leadership, information management, and so on. […]

Is Inheritance a Right?

Here's an interesting question a reader asked on my post titled Achieving Family Harmony in Estate Planning Part 1: Leave Your Estate in the Right Hands: I have a more basic question - as an adult child, is inheritance my right - legal or moral? My personal take is that there is no legal or moral obligation for parents to leave an adult child with any sort of inheritance. […]

Credit Card Reform Imminent: Senate Passes CARD Act of 2009

May 20th Update: The House of Representatives gave their approval of the CARD Act passed in the Senate and the bill is on its way to President Obama. Today, the Senate voted 90-5 in favor of the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, which is one step closer to credit card reform in America. […]

Bargaineering Bucks Store Open For Business!

Thank you to the over three-hundred members of Bargaineering community who signed up as users of the site! I’m happy to introduce The Bargaineering Bucks Store, the only place you can turn those hard earned Bargaineering Bucks into “stuff.” Some of you may have seen already seen it because I put a link up earlier this week. […]

Senate Passes Credit CARD Act

In a sweeping vote of 90 to 5, the Senate passed the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, including the sole unrelated amendment to restore weapon carrying rights in National Paks. The bill differs from the Credit Cardholders’ Bill of Rights Act of 2009, passed earlier by the House of Representatives. […]

15 Wonderful Uses For Witch Hazel

By Paul Michael I discovered witch hazel in college. I was not exactly the owner of the clearest skin in Britain, and dabbing a little witch hazel extract on my blemished skin stopped me enduring a mountain of abuse. […]

What is Your Manifest Destiny?

Manifest Destiny was the general belief that the United States was destined to expand from the United States’ current territory all the way to the Pacific Ocean. This belief, which was never codified into law or even an official government policy, was the guiding principle for a lot of the government’s policies and actions. […]

How Will You Divide Your Wealth Among Your Heirs?

We spend our life in modern society accumulating Things and possibly accumulating money. When you take a step back and look at life on the larger scale, money is not a goal in isolation. We strive to accumulate wealth not to die with our names in various banks’ computers associated with high numbers. […]

14 Ways to Save Money

Today we have an excerpt from Trent Hamm's free ebook Everything You Ever Really Needed to Know About Personal Finance On Just One Page (summary here). In the book he lists 100 ways to reduce your spending and save more money. I've selected 14 of those tips and listed them below, along with my comments for each. Enjoy. 3. […]

Best Deals For Tuesday 5/19/09

By Paul Michael Today's WISEBUY. Order The Wise Bread Book And Get $15 back From Ebates We're still celebrating the launch of the new Wise Bread book with our $15 offer.   1. FREE Customized Dog Tag And Toy - Use Code Citizen222 Become a Mighty Dog citizen! Join the Nation and get your citizenship kit including the Mighty Dog Nation dog tag and more.   2. […]

10 Resources for Finding Free and Cheap Things to Do This Summer

Like many families, the schedule of our family changes drastically during the summer. My wife goes on hiatus from her job for a few months, our children are constantly at home, and I strive to rearrange my own work so that I can spend more time with them. Plus, the weather is beautiful, encouraging us to be outside. […]

Revisiting FICO 08 Piggybacking

Your money is important, and so I want to make sure I’m telling you the truth in every instance. […]

Coping with Life’s Little Setbacks

I had a lousy weekend. It was one of those weekends where anything that could go wrong did go wrong. The individual problems were minor enough, but taken as a whole, it was all rather overwhelming. […]

Avoid Costly Medical Bill Errors & Mistakes

Half a decade ago when I was 19, I was sitting in a hospital waiting room as a family member underwent a medical procedure. Spying a cute girl of similar age across the room, I proceeded to try and “look smart” by picking up the local newspaper so I can pretend to read it — but of course my real intention at the time was to have an easier means to take the occasional peek at the cute girl. Ah. […]