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 250)

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. […]

What Constitutes Debt Validation?

So I sent a debt collection dispute letter, now what? Well, now you wait. In most states, the collector has 2 options: They can cease all collection efforts and drop the issue completely, or, They can get validation and try to collect again. Unless they validate the debt, including all the fees the collection agency has added on, you don’t have to do anything. […]

Unemployment Benefits Extension Stalls in Senate

Update Oct. 18: The Senate has come to the decision to modify the House bill to include all states, not just ones with unemployment rates greater than 8.5%. The change will come in the form of S. Amndt. 2668 to the House Bill, H.R. 3548 according to Open Congress blogger Donny Shaw. In normal times, unemployment benefits last twenty-six weeks after someone loses their job. […]

What Players Earn for Winning Baseball World Series

This doesn’t really have much to do with personal finance, other than it includes a few numbers, but I figured since we were knee deep in the baseball post-season, why not do something fun? Ever wonder what players get for winning the World Series? Winning the World Series is prize enough for the players involved but did you know that they also get a cash payout too? […]