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 257)

How to Minimize the Impact of Canceling A Credit Card

With the passing of the CARD Act, credit card companies have been responding by instituting purchase-based annual fees. Before the CARD Act, many issuers were trimming their books of inactive, low-activity, and risky credit card accounts. […]

Understanding BATNA

BATNA is a well known negotiation acronym that stands for “best alternative to the negotiated agreement.” If you’re familiar with the concept of opportunity cost, then BATNA will sound very familiar. The idea behind opportunity cost is that the price of something isn’t just the number listed on the tag. There’s an opportunity cost involved and that cost is the price of the next best alternative. […]

Four Rules of Thumb In Need of Refreshing

Rules of thumb are great. They teach you a little nugget of wisdom and have been vetted by generations of experience. Don’t swim thirty minutes after eating, don’t mix hard liquor and beer, and don’t date your relatives. Follow those rules of thumb and you’ll live a happy and healthy life. The same can be said about financial rules of thumb. […]

5 Green Ideas For A Naturally Clean Home

As the world of green cleaning grows, the shelves are being lined with products that claim to be natural and eco-friendly. Some companies are actually taking the time to research and utilize natural plant-derived ingredients and use recycled and bio-degradable bottles. For the rest, the term green-washing comes to mind as the best way to describe their new cleaning products. […]

Unlock Your IRA: How to Cash Out an IRA Without Penalty

So, if you are faced with such a decision, I think it's important that we review how you can cash out an IRA and avoid the 10% penalty. […]

How to Compare 0% Balance Transfer Offers

A couple years ago, you could play the balance transfer arbitrage game over and over again. Apply for a credit card, get a 0% balance transfer, and then transfer that right into your 5% APY online savings account. Man, those were the days! Now, balance transfer periods are shorter, transfer fees are higher, and, most insidious of all, the interest rates after the 0% promotion ends are higher. […]

Your Home Is Not An Investment

A few years ago, when the housing market was sizzling hot, everyone and their mother talked about how their home was a fantastic investment. They talked about how a home that sold ten years ago had quadrupled in value over the last five and cursed themselves for not buying more. […]

ProtectMyID Review

A few months ago, I wrote a LifeLock review in which I broke down their services and tried to figure out if the service was worth it. My conclusion was that the service was comprehensive but outside of the $1M guarantee, didn’t offer anything you couldn’t do yourself (do it yourself identity protection covers what you can do). […]

BVC #19: Get Towed Twice A Year

Taking calculated risks and not being afraid to fail is a hallmark of every successful person. You know this, I know this, but it’s difficult to translate that into our every day life. […]

What Tax Bracket Am I In?

A lot of people have been reaching Bargaineering because they asked: “What tax bracket am I in?” So, to solve this problem and to redirect people from other pages to this one, I’ve decided to offer up this simple to use calculator. Enter your pre-tax, post-deduction (after your 401k contributions and medical expenses) salary and click “What bracket am I in?” The calculator will spit out the margin […]