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 243)

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. […]

Holiday Tipping Guide

The spirit of the holidays is about spending time with family and friends, being thankful for the things that we’ve accomplished and the lives we’ve led, and showing appreciation to everyone who has made the year possible. Sometimes the year ends on a high note, as we celebrate the achievements. Sometimes we simply want to turn the page on an otherwise difficult twelve months. […]

Checks for Vets by Joseph Scott McCarthy

Checks for Vets is a guidebook that will help wartime service vets and their surviving spouses receive their VA pensions as a result of their service. If you’ve ever filled out a government form, then you know how complicated and vague that can be. […]

Your Take: Married Women Outearning Husbands

An MSNBC article this week discussed how women are increasingly earning more than their husbands. Twenty years ago, 17.8% of women outearned their husbands. In 2007, 25.9% outearned their husbands if they both worked and 33.5% of married women outearned their husbands period. […]

What To Do When Your CD Matures

We put our emergency fund into a CD ladder and every month one of those certificates of deposit matures and is automatically renewed. As an added bonus, ING Direct, where our CDs live, gives us a CD rollover bonus whenever we renew (currently the bonus is 0.15% on CDs of at least 12-months long). For us, the decision is simple. […]

Chase Blueprint Payment Program Review

If you’ve been watching any TV, visiting any financially focused website, or have opened a financial magazine or newspaper, you’ve probably seen a Chase ad and information about their “Blueprint” program. They’ve done a huge media push over a program that, while a little innovative, only helps people who are carrying a balance. […]

What is a Trailing Stop Loss Order?

There are two mistakes that most people routinely make. They let emotions play too big a role in their decision making and they fail to adequately plan for the worst case scenario before the worst case scenario actually happens. These two mistakes aren’t a big deal when you’re planning dinner, but they can be disastrous when it comes to investing in the stock market. […]

Federal Reserve Transparency Act of 2009 (HR 1207)

Representative Ron Paul, Republican from Texas and long-time favorite of the Internets, introduced a bill earlier this year called the Federal Reserve Transparency Act of 2009 (H.R. 1207). […]

When Debt Collectors Violate the FDCPA

As we learned in this classic abusive debt collection story, and Craig’s awesome response, debt collectors are often unfamiliar with the law. Not only are they unfamiliar with it, they routine violate it… which means you get to collect from them. Want an example? Let’s say you call a collector to check on the status of your dispute. […]