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 234)

BVC #23: Your Mutual Fund May Be Ripping You Off

When it comes to investing, you can’t predict the future. What you can predict, with 100% certainty, is how much your broker is going to charge to get you there. If you’re like me, the majority of your stock market investments are in mutual funds in retirement accounts like 401(k)s, 403(b)s, and IRAs. […]

9 Year End Tax Moves to Make by Dec. 31st

After last week’s Thursday post on adjusting your tax withholding, I thought that we needed a full blown post on the best year end tax moves. So who better to turn to than prolific tax expert Kay Bell, author of The Truth About Paying Fewer Taxes? […]

Bonus Bucks Newsletter

I’ve been trying to think of ways registered readers could be awarded more Bargaineering Bucks since right now the two main ways are to comment (1BB each) and log in each day (1BB a day). When I think of these ways, I am eager to tell you guys and Jeremy at GenXFinance.com suggested that I just setup another newsletter just for Bonus Bucks opportunities. […]

Annual Credit Report Reminder

This morning, I wrote about the importance of regularly checking your credit report. The hardest part about the whole process is remembering to request a report every four months! So I decided to leverage the power of the Internet to create a mailing list that will remind you every 122 days (365 days divided by 3) to go to AnnualCreditReport.com to request your report. […]

Review Your Credit Report Annually

The Fair Credit Reporting Act gives us the right to see our credit reports every twelve months. […]

What is Credit Utilization?

Credit utilization is one of the most important components of your credit score, a three digit number that is increasingly becoming one of the most important numbers in your life. Credit utilization refers to how much you are using your available credit. Take your total credit balances, divide it by your total credit limit, and the percentage is known as your credit utilization. Simple right? […]

Charge Cards: The Forgotten Option

For as long as I’ve been writing about personal finance, there has been an constant argument between credit cards and debit cards. Those who have first hand knowledge of how difficult it is to extricate yourself from credit card debt are right to argue that credit cards are evil. […]

Highest Savings Account Rates

If you have fifteen minutes, you can be earning more interest on your savings account. Many Bargaineering.com readers are familiar with high yield savings accounts, so for the seasoned veterans you won’t get much out of this post (maybe this one on reward checking accounts is new to you?). […]

How to Minimize Bank Account Fees

Banks used to make their money by taking customer deposits and lending it out at a higher interest rate. Along the way, they discovered they could siphon off a little bit here or there in the form of “fees” cleverly disguised as “convenience” charges. Bankrate does annual fee surveys of what banks charge and the fee amounts are absolutely astounding. […]

10 Reasons Why Credit Unions Kick Ass

Credit unions exist to help its members. Commercial banks exist to enrich their shareholders. You read that right. Credit unions are unions that exist to help its members. That’s why they often have better interest rates on both loans and deposits. Commercial banks are businesses. Their sole purpose is to figure out how to make more money from its customers (you!). […]