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 254)

Your Take: Do You Budget?

Today’s Your Take will be simple… do you budget? If so, what tools do you use? If you don’t, why not? I no longer budget in the strict sense. When I first started working, I budgeted and tracked all my expenses down to the penny in an Excel spreadsheet. […]

Ally Bank Savings & CD Rates Confuse Me

Every week I get an email from Ally Bank informing me of how the rates will be changing (Ally Bank rates are adjusted on Fridays) and their rate structure has been confusing me as long as I’ve been getting these emails. Ally Bank’s Savings & CD Rates As of August 28th 2009, their current online savings account interest rate is 1.75% APY. As of August 28th 2009, their current 9 month CD rate is 1. […]

Even Day Traders Recommend Index Funds

That’s right! A guy who actively buys and sells stocks is suggesting you should stick with Plain Jane index funds. Why? Because it’s too difficult for 99% (a completely unscientific statistic) of the general public to outperform the market over an extended period of time. Every week, at least one person will ask me for a hot stock tip. […]

Four Money Lessons from Nature

When you get down to the core of money, it’s really just an abstraction of natural resources. You accept money for your labor because, ultimately, it can buy you the things you want. Food and shelter, at the core of Maslow’s hierarchy of needs, are just two of the things you can buy when you have money. That’s why it’s not so much a leap to look towards nature for lessons about money. […]

Average Retirement Savings by Age

I don’t put much stock in most “averages,” whether they’re rules of thumb or average net worth, but every once and a while it’s good to know where you stand. So where do we find the average retirement savings by age? We are forced to rely on the internet. Unfortunately, with the recent stock market crash, writing about nest eggs and average retirement savings hasn’t been very popular. […]

How to Increase Your Credit Limit

If a recent Your Take post on credit card credit limits is any indication, there’s no secret to getting a higher credit limit on your card. I thought I was high with a near $70,000 credit limit but plenty of people had total unsecured credit limits in the $60,000 – $100,000 range. […]

Fixing Credit Report Errors

A few years ago I had a little credit report error incident. I just started a new job and was going through a background investigation, which included a review of my credit history. In the course of that review, the investigator noticed that there was an address listing on the report that I hadn’t previously disclosed. […]

Citi Removes Automatic Travel Insurance

Credit cards often have little-used perks when you buy something with their card, such as double the manufacturer’s or auto liability insurance. Well, another one of the casualties in the financial meltdown is the reduction of these once overlooked perks. The latest? […]

TradeKing vs. Zecco: Discount Broker Comparison

When Zecco first appeared on the discount broker scene, everyone celebrated their $0 stock trade commissions. I know it caught my attention, there are very few things that beat free. Even when reports of customer service woes rolled in, I still thought their offer was the best of the bunch. […]