Bargaineering

Bargaineering is a blog that chronicles my personal finance life and where I discuss matters of shopping, insurance, investing, retirement, loans, credit cards, mortgages, bargain hunting and other issues in my life.

Latest Posts from Bargaineering (page 215)

Most Expensive Coffee: The Real Latte Factor

The Latte Factor is the idea that frequent, small dollar purchases add up quickly. We don’t notice them because the purchases are so small, like a $3 cup of coffee each morning, but over the course of the year that adds up to serious money. […]

How to Verify a Personal Check

Have you ever been given a check that just doesn’t sit right with you? Isn’t it unfair that your bank will charge you an exhorbitant fee when you deposit someone else’s bad check? However, sometimes you still need to take the risk by accepting as many forms of payment as possible, especially if you’re a business, and there are things you can do to protect yourself. […]

Brick and Mortar Bank Myths

In the last few years, I’ve reviewed several online banks from the gray beard ING Direct to the more recent Ally Bank and Sallie Mae. […]

Free Experian PLUS Credit Score

For a limited time, American Express is offering a free look at your Experian PLUS credit score and Experian credit report. The Experian PLUS credit score is not the same as your FICO score but there’s no way for you to see your FICO score based on Experian data, so this is about as close as you’ll ever get. […]

How Much is Minimum Wage?

The labor laws in the United States can be, at times, very confusing. Ever wonder why waiters at a restaurant can be paid as little as $2.13 while the federal minimum wage is over three times higher? How much is the minimum wage? Why is overtime pay 1.5x regular pay for nonexempt employees but not required for exempt employees? […]

Don’t Pay Taxes With Credit Cards

If you’re one of the many taxpayers who owe the Department of the Treasury some money, you might be tempted to pull out the plastic and push the payment decision off another month. Or maybe you’re thinking about paying with a credit card for the rewards. Or maybe you can’t pay and think putting it on the credit card is your only option. […]

120 Rule vs. Target Retirement Funds

Have you ever heard of the 120 Rule? The 120 Rule is a basic asset allocation rule. Take your age and subtract it from 120. That is the percentage you should be invested in stocks and the balance should be in bonds. If you’re 40, then you should have 80% in stocks and 20% in bonds. If you’re 50, then 70% stocks and 30% bonds. […]

Your Take: Does a Gold Card Really Mean Anything?

I was watching a Frontline program, The Card Game, which talked about the recently passed CARD Act. It was broadcast in November 2009 but by then the regulations and rules that would take effect in March had already been written in stone. […]

Hottest New Money Maker: The Plunder Funnel

What happens when you take a pyramid and turn it upside down? That’s right… you have a funnel. A plunder funnel. […]

Reverse ABA Routing Number Lookup

The ABA routing number, also known as the routing transit number, is a nine digit number associated with a financial institution. If you look at a personal check, it’s one of the three numbers at the bottom of the check (the others are the check number and your account number). […]