interest rates

The Best 0% Balance Transfer Credit Cards

If you're fighting to reduce your credit card debt, a balance transfer card can be a powerful tool. Read this list to find the best card for you.

Why You Should Consider an Adjustable-Rate Mortgage

Despite a bad reputation, adjustable-rate mortgages are making a comeback. Learn why an ARM might be the right choice for you.

6 Things Every College Student Must Know About Private Student Loans

Private student loans may look like a good way to fund your education, but there are a few things you should know before you sign the paperwork.

Choosing the Right Mortgage Loan: 15 or 30 Years?

Getting a 15-year mortgage might seem like a no-brainer — it means you'll spend less overall — but there are good reasons to consider a 30-year as well.

Why Savings Account Interest Rates Are So Low

Five or six years ago it was easy to find a savings account that paid 4% or 5%. Today, 1% or less is the norm. What happened?

Turn a Day Off Into Your Most Profitable Day of the Year

We often focus on what is most pressing with our finances. But if you take a day off to do some long-term work, you can save hundreds of dollars a year.

Savings Rates Below Inflation? Save Anyway

When savings rates are below the inflation rate, it's easy to delude yourself into thinking you shouldn't save. That's a bad idea.

The Parable of The Flat-Screen TV

A carefully considered purchase is a wise purchase. On the other end of the spectrum? Meet Dan and his not-so-new flat-screen TV.

How Much Car Can You Afford?

If you're planning to lease a new (or new-to-you) car, follow this advice to make sure you're factoring in all the costs and getting a car you truly can afford.

Cancel Student Loans to Save — and Receive an Interest-Free 120-Day Loan

What's an easy way to have less debt? Return money you don't need. In federal loan lingo, it's called "canceling" your loan, and it can save you a lot.

A Comprehensive Guide to the Debt Snowball Method

If you're trying to pay off a stack of debts, the snowball method can give you the motivation you need to knock them all out. Learn how.

How to Earn a Good Interest Rate in a Low-Rate Environment

If you're feeling ho-hum about saving while interest rates hover around 1%, discover why current interest rates don’t dictate your average return over time.

6 Common Excuses for Not Saving Money

If you don't feel like you're saving enough money, there's probably one thing stopping you — you. Learn how to get over the excuses and start saving.

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.

What QE2 Could Mean for Ordinary Americans

A second round of quantitative easing, or QE2, could have a real and significant impact on households nationwide. Learn why some Americans might soon have to do more with less.

5 Things You Need to Know About Credit Scores

Over the past few years, consumers have been increasingly aware of the importance of a credit score. It is a good idea to learn as much you can about this important number.

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.

New Credit Card Rules: Who Really Benefits?

Credit card industry reform may have good intentions, but will these rules encourage the same behavior that made reform necessary in the first place?

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

My best posts that got no attention

A few times I've written a post that I thought was good, but that seemed to vanish into the blogosphere without a trace. On my two-year anniversary of writing for Wise Bread, I