Posted 7 weeks 4 days ago by Philip Brewer
There's a certain class of ways to get free money or free stuff simply by paying attention, keeping track, and being careful. I don't do these things. It's not because they don't work; it's not even because the risk-adjusted earnings don't pay for the time spent. It's because time--and especially time spent paying attention--is very precious.
Posted 18 weeks 2 days ago by Philip Brewer
Since 1998, the US Treasury has had a pretty good deal for small savers who were worried about inflation--the Series I Savings Bond. The interest it paid was based on inflation plus an additional return that was set by the Treasury and fixed for the life of the bond. On May 1st the Treasury announced the value of that fixed return for the next six months: Zero.
Posted 21 weeks 1 day ago by Philip Brewer
When investing in things that pay an interest rate--things like CDs and bonds--it's tempting to try to get the maximum interest rate, and then to try to lock up that rate for as long as possible. There's an alternate strategy that provides good, stable returns with a lot less stress and a lot less need for predicting the future: Laddering.
Posted 36 weeks 6 days ago by Nora Dunn
Annual fees, grace periods, balance transfer options…it's a wonderful world of credit card jargon out there, and depending on your needs and planned uses for credit cards, it pays to look at your options. Following are the various ways in which credit card companies can get some money out of you and how you can avoid it.
Posted 1 year 3 weeks ago by Philip Brewer
In response to the recent credit squeeze, the Federal Reserve did something unusual: they cut the discount rate without cutting the federal funds rate. The federal funds rate is the rate at which banks lend to one another. The discount rate is the rate at which the Fed itself will lend money to banks. For the past few years, the Fed has closely coordinated changes in these rates, so to change one without changing the other is a departure.Have more to say? Join the discussions at Wise Bread's Finance and Frugality Forums.
| Posts | Cmts | |
|---|---|---|
| Andrea Dickson | 5 | 33 |
| Carrie Kirby | 3 | 8 |
| Julie Rains | 4 | 7 |
| Linsey Knerl | 13 | 37 |
| Lynn Truong | 5 | 1 |
| Margaret Garcia-Couoh | 2 | 7 |
| Mary Webber | 3 | 1 |
| Myscha Theriault | 7 | 42 |
| Nora Dunn | 8 | 1 |
| Paul Michael | 12 | 21 |
| Philip Brewer | 9 | 27 |
| Sarah Winfrey | 2 | 3 |
| Will Chen | 3 | 3 |
| Xin Lu | 6 | 15 |
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