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 255)

Cheap Stock Trades at Discount Stock Brokers

I’m not sure how much it costs to execute a stock trade but it doesn’t appear to be all that much. When I first opened up my first brokerage account, it was with Vanguard. Vanguard has two main types of investor accounts, one where you invest in their family of mutual funds and one where you can invest in stocks, bonds, ETFs, etc. […]

How Being A Pessimist Saves You Money

I’m not a pessimist but I know enough of them to know that being a pessimist can save you a lot of money. A pessimist is someone who sees a glass filled halfway with water as being half empty. In a beautiful blue sky, they see the clouds in the distance and ready their umbrella. They see insurance not as a protection against the unknown but as an investment in the future. […]

There Is Always A Deal

I bet you work hard for the dollars in your wallet, I know I do. You don’t spend hours away from your family or your favorite pursuits because you like work more than them, you do it because works pays you money so that you can support yourself and yours and do the things you want to do with your free time. I’m the same way. […]

Happiest Credit Cards

Liz Pulliam Weston recently published an article summarizing and analyzing J.D. Power and Associates 2008 survey of credit card user happiness. […]

Cash for Clunkers Tax Rules

If you took advantage of the Cash for Clunkers program to buy yourself a brand new vehicle, you might be wondering about how you deal with the taxes involved in getting that $3,500 or $4,500 voucher. The IRS isn’t in the business of letting you get something for nothing! Federal Taxes You might be surprised to learn that there are no federal tax consequences. […]

Best Cash Back Credit Cards

A few years ago, cash back credit cards were everywhere. Today, the offers are harder to find as company hunker down and deal with the financial crisis we’re facing. Despite the economic climate, cash back credits are still out there and you can still get a little cash back on your purchases. How do cash back credit cards work? […]

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. […]