January 28, 2010

Ally Bank Offers 2-Year Bump Up CDs

Until today, I don’t believe I’ve ever seen any online bank offer a bump up CD. A bump up CD is a certificate of deposit that gives you the option to increase the current rate of your CD to the published rate, “bumping” it up. If you remember my attempt at being cute with the Certificate of Deposit Zoo, it was the giraffe. The biggest risk with long term CDs is inflation risk. […]

Make Yourself More Marketable in College

The following is a guest post from Austin at Foreigner's Finances. For related pieces that also may be useful, see The Most Useful Thing Students Can Do to Prepare for the Job Market and How College Students Can Manage Their Future Career.    I've only been out of college for only six months, but I can already pinpoint a handful of mistakes I made in my 4 years. […]

Should You Get Dental Insurance? Options For Dental Coverage

When I was in high school, I had braces. It was a very unpleasant experience, and when I was old enough to be in charge of my own health care (18), I began skipping the dentist entirely. In hindsight, this was a really dumb decision. When I was about 24, I had a tooth problem [...]Should You Get Dental Insurance? Options For Dental Coverage Copyright 2011 TheDigeratiLife.com All rights reserved. […]

Emergencies Versus Opportunities

Tim writes in: We are working on our emergency fund. We put almost all of our extra income into the fund. The problem that I am wrestling with is that it is hard to watch opportunities go by while we work on this fund. It will take a year or two to fully fund our emergency fund (3 to 6 months). Example, I really wanted to buy some Ford stock when it was at $4 / share. […]

MyFICO Free Trial and 15% Discount Promo Code

I was just filing some things away when I noticed that the e-mail confirmation that I received after canceling my free MyFICO trial included a promo code for a 15% discount. Here’s the scoop: SPECIAL SAVINGS + LIMITED TIME OFFER: You can continue to monitor important changes to your Equifax credit file and FICO score at a special rate. […]

Viewer Question: How Long Can a Collection Agency Harass Me?

This question comes from Norma: If I had credit card that the balance never paid and is now a charged off account I understand that it is hurting my credit score.  The balance is now being collected by a third party.  How many times can my balance be transfered to a third party and does the [...] […]

The New Frugality: Consume Less, Save More, Live Better

By Lynn Truong Last week on Patt Morrison I heard Chris Farrell talking about "The New Frugality" and the trend towards a sustainable lifestyle. (I actually called in and mentioned Wise Bread -- you can hear me on the segment.) I was stoked that he was familiar with Wise Bread (really, we're on his blog roll!). […]

Join Our Tweetchat at 4:00 CST For a Chance to Win Prizes

By Lynn Truong Join our Tweetchat today from 4:00 – 4:45 pm CST for lively conversation and a chance to win prizes! This week, we're sharing our Valentine's gift and date tips for the budget-minded. (You don't have to be looking for love or in a relationship to participate!) We've also got Amazon GC prizes! […]

How Does the IRS Pick Tax Returns to Audit?

Doing your taxes is never fun. Even if you ignore how you must spend a couple hours filling out boring forms, finding documents, researching deductions, blah blah, there’s always the fear that you’ll be audited. […]

To Buy or Not to Buy? Criteria for Thrift-Store Clothes Shopping

By Marla Walters It's a lot of fun to shop at a thrift store. There are a lot of clothes that are almost great. Here are my tips for separating the "buy it" from the "leave it" items. It doesn’t matter if it is the bargain of the century, if it’s just going to sit in your closet because it needs some type of mending that you'll never get to. […]

Anyone Have a Money Secret?

One of the blogs I subscribe to is PostSecret, the site where people send in their deepest and darkest secrets on a postcard and the site's owner posts them once a week for all to see. It's often very compelling, raw, and sad to see the things people are dealing with, but can also be uplifting as people share their triumphs over various addictions, tragedies, and offenses. […]

More Toyota Cars Recalled: Time to Buy Shares of TM?

Another day, another recall. Normally, automobile recalls are not much of a problem. A recall usually involves bringing your car to a dealership, subjecting yourself up to some sales pitches, getting your car fixed, and driving home. […]

Best Deals for Thursday 01/28/2010

$10 off preorders of two Studio Ghibli films on DVD or Blu-ray Jabra C500 Corded Headset for $5 + free shipping Free $5 Babies R Us Gift Card 80% off Restaurant.com $25 Gift Cert. (Pay $2!) w/code BONUS Pro-Keds Footwear $12.95 or Less Today […]

Talking to Your Spouse About Money

By Sierra Black I have a guest post up on Get Rich Slowly about how to talk with your spouse about money. I had the privilege of interviewing financial counselor Lou Scatigna, aka The Financial Physician, for the article. Lou's not at all shy with his opinion. He told me straight up that a marriage where the couple can't agree about money is doomed. […]

Camping Tips for People Who Don’t Like Camping

Whenever people ask me how to save money on vacations, I always encourage them to consider camping instead of staying in a hotel. […]

The U.S. Government Wants You in Debt

By Investor Junkie I’m going to out on a limb and make the bold statement: the United States government wants you in debt, rather than you saving money. Politics aside, I am going to discuss why I believe this statement to be true. […]

Buying a Second Car

If my husband had a car to drive to work and had taken my son to school, I would have saved three hours of my day. Yes, three hours.We are a family of six with one car. This is the result of a decision we made a few months ago when our second car needed extensive and expensive repairs. […]

Ten Largest Banks in the U.S.

The Move Your Money campaign peaked a few weeks ago but in our household we still haven’t yet made the change from a large bank to a local community bank or credit union. Part of the reason is inertia, the center spoke in our financial network map if our Bank of America account, but we’re working on it! […]

Love and Money: Do Savers Seek Spenders?

This post is from GRS staff writer April Dykman. Social psychologists have found that people tend to choose their significant other based on similarities—similar attitudes, values, and even similar names. Those findings would seem to suggest that people with similar spending habits would be attracted to each other, too. But a working paper published last year found the opposite to be true. […]

When Should You Start Investing?

Shouldn’t I already be investing? Perhaps you’ve been asking yourself this question but have been unable to settle on an answer that you’re comfortable with. […]