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 224)

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. […]

Accounts Closed by Grantor Don’t Hurt Credit Score More

Over the last year, since the CARD Act was passed, a lot of people have had their credit card limits lowered or their cards canceled. Credit card companies, faced with these new rules, are looking to reduce their risk and so they’ve cut a lot of inactive or low activity cards (or saddled them with fees). […]

How to Protect Yourself From Inflation

One of the unintended, though predictable, consequences of the unprecedented rescue of the United States financial system is that there will be higher than average inflation figures for years to come. While it’s been popular to dispute the reported Consumer Price Index (CPI), the reality is that the marketplace doesn’t really listen to the reported stats. It reacts to reality. […]

Your Take: Boost Savings Rate by Cutting Taxes

Actions speak louder than words right? So why is the interest you earn from a savings account taxed at your marginal income tax rate while the dividend income you earn from investments is taxed at the long term capital gains rate? When we put our money in a high interest savings account, the interest we earn is taxed at 25%. […]

Transferring Brokerage Assets from E*Trade to TradeKing

When I learned about E*Trade selling their banking business to Discover, I knew my days with them were numbered (I later learned that only bank accounts with no brokerage relationships were moving… but alas the ball was already rolling). […]

List of Free Specialty Consumer Reports

After my post on requesting your CLUE reports, Reader Bob sent me an exceptionally long and comprehensive list of all the specialty consumer reports that you are entitled to every year. When I wrote my first request your specialty report post, I had about half a dozen… this expands the list by a lot. I was amazed by the sheer number of companies that collect information about me. […]

Closing E*Trade Bank Savings Account

You may have read on the interwebs that E*Trade is shutting down bank operations to focus more on the brokerage. As part of that process, all accounts are being sold to Discover Bank in what seems like the first bank sale that didn’t involve the FDIC. Unfortunately for E*Trade and the hilarious E*Trade baby, taking away the bank account takes away their last differentiator. […]

Roth and Traditional IRA Contribution Limits

I, like many other personal finance bloggers, am a huge fan of IRAs because they give you a tax-advantaged opportunity to save for your retirement. Both types, the Roth and the Traditional, offer tax benefits that are hard to find anywhere else. […]

Mortgage Interest Deduction Myth

The mortgage interest deduction is one of the most celebrated tax deductions in all of tax deduction-dom. It’s cited as one of the benefits of homeownership, right behind “you’re not throwing your money away,” and that fact is repeated over and over again. Unfortunately, I believe it’s misrepresented. […]