September 18, 2009

myFICO Promotional Code and Review

With a higher FICO score, you can prepare yourself for better interest rates and favorable loans. is a one stop shop for receiving your FICO credit score and report. You can actually get an immediate discount by checking out the table below. myFICO Product Discount / Promotional Code Price FICO Standard: Equifax Use 25% off discount code FinancialHelp25 (till Sept. […]


When I was a teenager, I spent several summers helping my father with his small-scale commercial fishing business. Early in the morning, just as the sun was creeping over the horizon, we’d push a boat out on the water, heading out to raise the lines we’d put out the night before. The water was still and brightly colored with the reflection of the dawn. […]

Dirty Little Money-Grubbing Secrets to Free Sodas

The following is an excerpt from Secrets of a Stingy Scoundrel: 100 Dirty Little Money-Grubbing Secrets and is reprinted with the permission of Skyhorse Publishing, Inc. […]

Lending Club – August 2009 Performance

As August came to a close, I was enjoying a 12.40% net annualized return with Lending Club. Throughout the month, I focused on expanding my holdings beyond my original “High Risk” and “Low Risk” test portfolios. In addition to those two portfolios, each of which has 20 loans, I’ve created an “Ongoing” portfolio with an additional 79 loans. […]

Real-time Traffic GPS for the iPhone

Soon. As in, October-soon. It looks like the first iPhone app to bring us real-time traffic alerts, and that comes with offline maps, will be the Navigon MobileNavigator (Earlier CNET review. iTunes Store link.) The AT&T Navigator (CNET review) also has live traffic data, but takes more time to download maps as you go, and while initially free, has a $10 monthly fee. […]

Should the First Time Homebuyers Tax Credit be Expanded and Extended?

By Xin Lu The $8000 first time homebuyer's tax credit is set to expire on November 30th. This means that those who want to take advantage of this refundable credit have only a couple months left to close on their home purchases. Since it could take 30 to 60 days to close on a home, the deals must be made soon. […]

How to Lose $3 Million in Six Years

Here's another "person wins the lottery and loses it all" story from Yahoo. The details: Callie Rogers was just 16 when she won a whopping $3 million in the lottery. Six years later, she reports that she blew untold sums on drugs, partying, exotic cars, and breast implants. A staggering $730,000 went to designer clothes alone, Ms. Rogers explains in an article from AOL. […]

Rule #14: Give Without Strings or Regrets.

A reader asked me if I could break down my ideas into a handful of principles. After some careful thought, I came up with a list of fourteen basic “rules” that summarize my money and life philosophy. I’ll be presenting these as a weekly series. Charity – in fact, giving of any kind – is often hard to explain in a general sense. Many people fail to see the purpose of giving. […]

Congress Plans to Extend the First-Time Home Buyers’ Tax Credit

The $8,000 tax credit for first-time home buyers is set to expire at the end of November, but lawmakers don’t want this benefit to end. While there have been some positive signs in the real estate market, the current credit hasn’t done much to stimulate house prices or the economy overall. […]

Ask the Readers: How Much Should You Save for Retirement?

How much should you save for retirement? Carla dropped me a line because she’s puzzled where the standard “save 10% of your income for retirement” advice originated. She’s afraid that ten percent isn’t nearly enough. Carla writes: The financial experts always say to save 10% for retirement (for example, in your review of The 1-2-3 Money Plan). Buy why 10%? It doesn’t make sense to me. I’m 25. […]

Your Take: Is The Recession Over?

Earlier this week, Ben Bernanke, Chairman of the Federal Reserve, said the recession was “very likely over” but that the unemployment rate would likely still go up. There’s a lot of talk about a “jobless” recovery, that is a recovery in which new jobs aren’t created, with the unemployment rate not falling back to the normal 5% for at least another four years. […]

Avoid Overdraft Fees With a “Balance Buffer”

As a followup to my recent post on the dark side of debit cards, I wanted to highlight a simple strategy for avoiding those nasty $30+ overdraft fees… Instead of letting your account balance run down near zero, create a “virtual zero” by depositing what might be referred to as a “balance buffer” of (say) an extra $100 or $500 in your account. […]

Retirement Plan Priority List

Here are some thoughts from the great personal finance book Grow Your Money!: 101 Easy Tips to Plan, Save, and Invest. Their retirement plan priority list (in order) is as follows: 1. Employer plan with a match2. Unmatched employer plan or Roth IRA (tie)3. Self-employed plan4. Deductible IRA5. Nondeductible IRA6. Buying and holding individual stocks and real estate7. […]

Star Money Articles and Carnivals for the Week of Sept 14

For weekday updates of what I find to be some of the most interesting personal finance articles on the web, follow me on Twitter. For now, here are some pieces I found especially worthwhile and some of the carnivals Free Money Finance was in this week and my posts that were included: My Dollar Plan tells how to convert from Money to Quicken. […]

Best Deals For Friday 9/18/09

By Paul Michael Today's WISEBUY. The FRIDAY AMAZON SALE bites back The best deals from Amazon come every Friday. Check them out!   1. FREE Pangea Organics Skincare Discovery Kit Hurry! Sign up now and we'll send you a free trial-size sample kit with Pangea's wonderful scrub, cleanser, and facial cream - all made from the finest organic ingredients.   2. […]

Ladies: Can someone tell me precisely why I’m out of touch on this point?

OK, so I’m reading the July, 2009, issue of U.S. News & World Report that my mother-in-law left the last time she visited, and I happen on an article called “Frugal Forever?” written by Kimberly Palmer, senior editor at U.S. […]