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 217)

Energy Savings with LED Light Bulbs (and a Giveaway!)

I’ve long been a fan of compact fluorescent light (CFL) bulbs because of the energy savings. They are more expensive than incandescent light bulbs but they use up far less electricity. […]

How Often Should I Rebalance My Investment Portfolio?

After writing this morning’s Betterment review and reading about their rebalancing feature, I started thinking about rebalancing. Betterment rebalances your portfolio after each quarter and if your actuals deviate from your allocation by more than 5%. In other words, they rebalance on a schedule and when the deviation exceeds a certain level (5%). […]

Joint Cardholders Building Credit

Reader Carl recently asked me whether or not you build credit with a joint credit card: I’m a nineteen year old guy, and opened my first credit card account at Best Buy, in order to buy a laptop for school, along with other “necessities.” Mind you, this was in 2009, and it was incredibly hard to find credit, so I had to co-sign with my dad. Now I hold a total of three credit cards: Best Buy, Expr […]

How to Pay Off Debt

When the economy is prospering, debt isn’t an issue. You can pay your obligations of today because you know that you’ll be earning more tomorrow and lenders aren’t worried you’ll miss a payment. But as the economy sank last year, you saw a lot of credit card and loan companies scramble to assess the risk of their borrowers. […]

Your Take: Can You Ask For Tuition Back?

Earlier this week, an anonymous student at Boston College wrote a letter to interim Dean George Brown of Boston COllege Law School to request his two and a half years of tuition back. […]

The Road Out of Debt Review

For a lot of people, the term bankruptcy evokes the same emotions as the word cancer. To hear someone has gone through bankruptcy is like hearing they are getting chemotherapy for a malignant tumor or treatment for a life threatening disease. To others, bankruptcy sounds a lot like surrender and defeat. […]

Debt Snowball Is Predictably Irrational

This morning I wrote about how Dave Ramsey’s “Debt Snowball” system works and why it’s an effective way for people to pay off their debts. It might not be the mathematically optimal way to pay off your debt but it’s worked for many people. My look at the debt snowball was precipitated by an All Things Considered segment I heard on NPR. […]

Dave Ramsey Debt Snowball Payoff Strategy

Dave Ramsey is most well known for an idea known as a “debt snowball” repayment plan. The idea taps into human psychology and our desire to reduce the number of something, even if the sizes of those “somethings” vary (more on this idea this afternoon). […]

Yet Another Alternative to Bush Tax Cuts Expiration

Yesterday, I went over the three alternatives to how Congress might deal with the expiring Bush tax cuts. As it turns out, retiring Senator Chris Dodd, who is the chair of the Senate Banking Committee, has suggested that the tax cuts be extended for everyone earning less than $500,000, rather than President Obama’s bar of $250,000. […]

Betterment Review

Betterment was named one of the Finovate Fall 2010 Best in Shows and they’re looking to make investing as simple as possible. The basic idea is that you open an account at Betterment (they are a registered broker-dealer), deposit funds, pick an allocation, and then go about your day. […]