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 249)

Get 401(k) Rollover Checks Mailed Directly to IRA

A couple weeks ago I received a letter from my former employer’s 401(k) benefits company notifying me that I had $0.83 in my 401(k) account. Despite my best efforts avoid dividends and distributions on funds, I must have missed one in the process. […]

How to Make Your Own “Green” Mouthwash

Every year I make my ritual visit to my local dentist for a routine cleaning, and every year I get the “you should really be using mouth-wash” speech. And every year I get sent home with my bag of dental goodies, including a little bottle of Crest mouthwash. OK, I get it. Mouth-wash is an important part of my teeth-cleaning-routine. […]

PFBlogger Spotlight: GE Miller of 20 Something Finance

GE Miller writes 20 Something Finance, a personal finance blog that is geared towards the twenty-something crowd, and Microfrugality, a new site on lowering your expenses and living the frugal lifestyle. As a twenty-something myself, I stumbled onto 20 Something Finance a few months ago and have been quietly lurking in the background as posts were delivered to my RSS reader. […]

History of Credit Bureaus: Equifax, Experian, TransUnion & Innovis

Did you know that TransUnion started as a parent holding company for a railcar leasing company? Or that Experian is not based in the United States? I started reading about the history of some of the credit bureaus and was fascinated with what I found. […]

Student Loan IBR Income Based Repayment Plans

A few weeks ago I asked newsletter subscribers to email me with the things that concerned them. Many readers told me that the cost of higher education, specifically the college and university level, and their student loans were some of the things on their mind. A few years ago, I wrote about how my sister took advantage of a student loan forgiveness program for teachers. […]

Ally Bank Ten Day CD Rate Guarantee

One of the most annoying things in personal finance is opening a bank account and then seeing the interest rate drop. This happened very often in the falling interest rate environment of the last year and a half. I remember opening an online savings account only to see the rate fall the next day! […]

A Classic Debt Collection Story

Last week I asked email newsletter subscribers for their experiences with debt collection agencies. I’ve been fortunate never to have crossed paths with a debt collector so I was looking for stories to help put me in the shoes of those who have. I read about stories of people paying off debts but through some clerical error, the debt was incorrectly sold to a collector. […]

$8,000 First-Time Homebuyer Credit to be Extended for Military

Yesterday, the House of Representatives voted 416 to 0 to pass the Service Members Home Ownership Tax Act of 2009 which extends the current $8,000 first-time home buyer tax credit for another 12 months for members of the military, Foreign Service, and intelligence corp who served at least three months of qualified overseas duty in 2009. […]

Your Take: What Are Your Rules of Thumb?

There are a lot of “rules of thumb” in the personal finance world. We all know the classic ones: you should save at least 10% of your income, you should have 6 – 12 months of expenses saved into an emergency fund, and you should X% of your portfolio invested in stocks where X is 120 minus your age. […]

Citi Student Loan Rebate Reward Price Increase

I’ve been doing research on the various reward catalogs of credit card companies when I discovered my favorite reward, a student loan rebate check from the Citi ThankYou Network, had gone up in price. I would routinely cite that reward as one of the main reasons I kept using my Citi card. A few short months ago, for 10,000 points, you could get a $100 check written to your student loan servicer. […]