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 240)

Your Take: Are We Out Of The Recession?

Yesterday, the Department of Commerce reported that the annualized GDP (gross domestic product) grew to 3.5% in third quarter. This is significant because, by definition, a recession is two straight quarters of shrinking GDP. A 3.5% increase in GDP would mean, at least technically, the recession was over. […]

How to Save Money on International Long Distance Phone Calls

Calling family and friends overseas is very affordable and very easy, if done correctly. In this article I am going to reveal three affordable international long distance calling options to the old expensive standby, direct dialing. I’ve been doing a lot of research in this for my own needs so I hope you find this article valuable. […]

Top Long-Term CD (Certificate of Deposit) Rates

Certificates of deposit are an important financial planning tool because they represent the safest investment you can make. You deposit funds, you get a guaranteed interest rate until the CD matures. You have to deal with inflation risk, that the rate of inflation could outpace your return, and the risk that you may need the funds. […]

Understanding 1st Party and 3rd Party Collectors

I have been following the How to Fight Debt Collectors series and noticed that the articles are all geared towards third party collections. For 3 years, I worked as a first party collector in the collections department for a mortgage company. During that time, I learned a lot about debt, people, and collection law. I did some things that may have been considered shady but I never broke the law. […]

Series I Bonds Inflation Rate Update (Nov 2009)

For the last six months, my Series I Savings Bonds have been earning exactly 0.00% APY interest. If you remember from the Savings Bond Foundation post, Series I savings bonds earn interest based on an equation that has both an inflation rate component and a fixed rate component. […]

How to Close ING Direct Subaccounts

In my ongoing quest to simplify our personal finances, I started cleaning up some of the connections in my Financial Network Map. […]

Teach Kids Money: Tying Chores & Allowances

This is a guest post by Danny Kofke, a special education teacher and author of How to Survive (and Perhaps Thrive) on a Teacher’s Salary. Danny and I have been emailing back and forth for the better part of the last month or two, working on a guest post about children and allowances. […]

PearBudget Review: Really Simple Budgeting

Last night, on the 25th episode of the Personal Finance Hour, we discussed mostly about budgeting and touched on some popular budgeting tools. PearBudget is an online budget management tool, mentioned by both JD and members of the chatroom, that I had never heard of. PearBudget’s tagline is “really simple budgeting” and it delivers on that promise. […]

What are Junk Debt Buyers?

Junk Debt Buyers, also called JDB’s, engage in the business of buying distressed assets at pennies on the dollar and then try to collect on that debt. Sometimes they try to go after the full amount, sometimes they’ll accept a settlement amount of 50% or less. It’s not a bad business to be in, except they suffer from one very crucial weakness a smart debt collection fighter knows. […]

Avoid Credit Card Cash Advances!

Reader Jane emailed me last week to warn me about cash advances on credit cards. She recently stuck her credit card into an ATM, withdrew money, and was surprised to learn all the fees associated with a cash advance. […]