Articles on Personal Finance

How to Save Without Goals

Basic plans for saving and investing that don't require use of a formal financial plan with specific goals.

CitiMortgage Told Me to Default on My Loan

Only in the completely screwed-up world of the lending industry would this be a logical and serious piece of advice. But that’s basically what I was told after calling CitiMortg

How Health Care Reform Will Impact Your Small Business

The new health insurance reform legislation adds both new requirements and perks for small businesses.

Financial IQ Test: How Healthy Is Your Disability Insurance?

1 in 3 people are disabled during their working lives, and those disabled for more than 2 months have an average disability length of two and a half years. Make sure your disabilit

This May Be the Best Time to Negotiate Loan Terms

With credit at its tightest in over ten years, banks are hurting. For successful borrowers, that means loan terms and conditions may be more negotiable then ever.

What Every Business Owner Should Know About Collateral

Establishing the collateral value of an asset is often a point of contention in loan negotiations. Here are some rules-of-thumb to help you understand how a lender's likely to v

Clever Tax Move for the Un- and Under-Employed

There are a lot of people who used to have a good-paying job but who have been unemployed or underemployed for more than a year. If you're one of those people, here's a clever tax

Can You Settle Your Old IRS Debts?

Not filing your income tax is a debt that will not go away quietly. The IRS has options if you owe back taxes where you may be able to settle your debts.

Things You Should Know About HAFA: The Home Affordable Foreclosure Alternatives Program

On April 5, 2010 a new program called the Home Affordable Foreclosure Alternatives, or HAFA, will further expand the foreclosure prevention efforts of the Obama administration. Thi

Mogi's Extended Vehicle Protection: Is it Worth It?

Mogi offers insurance on things like car parts, service, and maintenance. Would you pay a monthly fee to cover any problem that came up with your car? Sure, it would give you some

Best Money Tips: How to Sell Your Car on Craigslist

Welcome to Wise Bread's Best Money Tips roundup. Today, we share killer tips for selling your car on Craigslist, how to make your own yummy goldfish crackers, and a cool new pur

How to Use Up Remaining Balances on Prepaid Gift Cards

Looking in my wallet, there are no less than 5 prepaid debit or gift cards hiding at any one time.

The Truth About Personal Guarantees

If you’ve ever borrowed money from a bank for business use, you’ve no doubt argued against adding your personal guarantee to the deal. And if you’re like most small business own

5 Credit Card Apps for Businesses and Consumers

There’s an easy way (and an app!) to accept other forms of payment besides cash.

Best Money Tips: 16 Ways Not to Blow Your Tax Refund

Welcome to Wise Bread's Best Money Tips roundup. Today, we share the ultimate guide to greening your home, 14 gadgets that may or may not be green, and 16 ways to NOT blow your

10 Shocking Facts About Our World

Did you know that people who pay for fast food using a credit card spend 50% more than those who pay with cash? That, and a whole lot more shocking statistics after the jump.

Warren Buffett's Investment Advice: Why It's So Hard to Follow

Warren Buffett's style of investing isn't just about picking the right stocks, it's about having the intestinal fortitude to overcome widespread panic . Check out how one of his mo

Skills That Can Save You Money Part 1: Parallel Parking

See why something as basic (well, to some) as parallel parking can be a ticket to big savings.

5 Reasons Tax Prep Software May Be Right for You

I’ve been doing my own taxes for about 5 years now. Even as my needs have changed (I’ve gone from a simple 1040EZ to a more complex small business partnership structure), I’ve fou

The Debate Between Buy and Hold vs Timing The Market

It's interesting to see that with the advent of computerized trading and value discount brokers, a new era of people investing with the idea of getting rich overnight has exploded.