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 223)

Consider Self-Insurance Against Calamities

Last week, as I was research the “catch” on a return of premium life insurance policy, I wondered if it was possible for you to self-insure your life. The idea behind self insuring is that you take a lower level of insurance protection and save the difference into an account. […]

How to Keep Your Skills Fresh When Unemployed

There’s a security out there that tracks the average (mean) length of time someone is employed and that figure broke thirty weeks in January. The average person looking for work will not find it in seven months… seven months of job hunting. Seven months of going to job fairs. […]

Find and Plug Your Money Leaks

How many times have you run into this scenario at work: you start a task that seems ridiculously inefficient or outdated, bring it up to your supervisor only to hear them say “that’s how we’ve always done it.” Sadly, it happens all too often and it’s the product of the “if it ain’t broke, don’t fix it” mentality that permeates almost every aspect of life. […]

Your Take: Does Unemployment Insurance Reward Laziness?

The Huffington Post shared the thoughts of Sen. Jon Kyl (R-AZ) on unemployment this week: Unemployment insurance “doesn’t create new jobs. In fact, if anything, continuing to pay people unemployment compensation is a disincentive for them to seek new work,” The title of the article is a little misleading. […]

Ban Credit Checks for Job Applications

Chris at The Consumerist referenced a story this week about how there are 16 states, including here in Maryland, considering a ban on using credit scores to make hiring decisions. Iv’e never personally experienced this or heard of a friend get denied a job because of their credit score, but this happens enough to warrant 16 states barring the practice. What’s the logic behind credit checks? […]

What is Return of Premium Life Insurance?

Life insurance sucks. If you outlive your policy, you spent a lot of money for not much of anything. If you don’t outlive your policy, well shucks you didn’t waste your money on premiums… but you’re dead. So when my insurance company sent me a package detailing one of their newest offers, a “return of premium life insurance” policy, I was intrigued. […]

$20 Lottery Scratch Off Tickets

Last week, as my lovely wife was waiting in line at the supermarket checkout aisle, I wandered around. I don’t really enjoy waiting around for much of anything. It’s a mixture of impatience, attention deficit, and boredom, but in the time between putting the groceries on the belt and taking our bags to leave, I usually wander around the front of the store. […]

What are Mortgage Accelerator Programs?

A mortgage accelerator program is a fancy name for a program that promises to help you pay off your loan faster than you would making regular monthly payments. With the recession and with falling housing prices, advertisements for these types of programs are popping up everywhere. […]

Payback Time by Phil Town

In Payback Time, Phil Town teaches you the tenets of value investing, the same approach that Warren Buffett takes, with today’s tools. With all the value investing books out there, what separates Town’s Payback Time, and his earlier work Rule #1, from the pack? […]

Best Places to Hide Money At Home

I had a conversation over the weekend with a friend of mine who likes to keep a little bit of cash at home in the event of a zombie apocalypse. As I reminded him that zombies don’t take US dollars, I thought a little to how we like to keep some cash on hand at home too. My friend was talking a thousand dollars or two, we keep maybe a hundred bucks. […]