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)

$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? […]

University of Idaho Offers Free Personal Finance Courses

The world has known about free online courses like MIT OpenCourseWare and Open University (for a longer list, check the end of my foundation post about online education). Until today, I wasn’t aware of any university that has offered personal finance courses and certainly not one that has put it all on the web for anyone to use! That’s exactly what the University of Idaho Extension has done. […]

New ING Direct Added Value CD

Yesterday, ING Direct announced a clever new take on CDs – it’s the Added Value CD. The idea is very simple, you can get a 12 month CD with a rate of 2.25% if you open it and fund it with “new money” from a non ING Direct account. According to their terms and conditions, the new money must increase your total deposit balance as of yesterday, October 7th, 2009. […]

HAPPY Act: $3,500 Pet Care Expenses Deduction (Proposed)

Wouldn’t you throw your support behind something called the HAPPY Act? I know I would, it sounds so… cheery! It exists and it’s a bill that has been introduced in the House of Representatives by Representative Thaddeus McCotter (R-MI). The Humanity and Pets Partnered Through the Years (HAPPY) Act, H.R. 3501, would offer a $3,500 tax deduction for qualified pet care expenses. […]

How to Close an FNBO Direct Account

A couple weeks ago I closed my HSBC Direct account and today I closed my FNBO Direct account. As was the case with HSBC Direct, I’m not closing the account because I don’t like FNBO Direct or the online savings account itself. I’m trying to simplify our financial lives, post-marriage, and we have far too many financial accounts. […]