interest

Never Use Cash for These 11 Things

Living the cash-only lifestyle can be good for your budget — except when it isn't. Learn why some purchases are best made on credit.

Pay Bills Early? Only If You Want to Save Money

Paying your bills late can hurt you with late fees and surcharges. Moreover, if you pay early, you can get some serious discounts. Learn more.

While Waiting for Rates: I-Bonds

You could reach for yield by taking on more risk, or you could suck it up and wait for rates to go up. If you prefer to wait, consider I-Bonds.

When Interest Rates Head Up

It doesn't take any skill at prognostication to make this forecast: Interest rates are heading up. For one thing, they can't go any lower.

Convenience Checks: 6 Reasons Why They Can Cause Trouble

Convenience checks aren't like regular checks attached to a checking account. They are a type of loan, a cash advance against the credit availability on your credit card. Here are

The Three Interest Rates

I got a notice from one of my credit cards a bit ago, announcing that they were raising the interest rate. It's only of theoretical interest to me, of course--I use credit cards f

Debit Cards vs. Credit Cards: Fees and Fraud Protection

Debit cards might be better than credit cards because in theory, you'll spend less if you are only paying with money you have. But how do debit cards stack up in terms of fees and

Book review: Cash-Rich Retirement

Do you need a kick in the pants to get you saving for retirement?  Do you need someone to wave their arms and run around screaming that your whole future is at risk, in order to mo

Join the rentier class

You don't hear much about the rentier class any more. Perhaps that's because we all expect to be members by retirement age. Perhaps it's because even the very wealthy

How low interest rates might save the world

Low interest rates generally lead to inflation, which is bad for everybody. But if inflation were really low, then low interest rates would tend to follow, and in that situation,

My car payments are too much! What should I do?

Last August, I decided to purchase my first new car ever. I had only ever owned used (and entirely paid-for) vehicles prior to this. I researched the type of car that I wanted and

How to Build Your Own Amortization Schedule

Looking for a dull, but financially eye-opening home project? Great! Today, we're going to build an amortization schedule. [more]

Money Metaphors (You wouldn't punch a kitten, would you?)

Equating my money, emotionally, with something that I find dear and worthy of protection, may force me to treat my money with the respect it deserves.

Behind the Times - I learn about Keep the Change

I tend to ignore most promotions that banks send my way. I use Bank of America for my primary checking account, and they often interrupt my online banking log-in to try to sell me on some kind of promotion, and it’s usually crap. [more]