Articles on Personal Finance

Need a job? Apply to become a Census enumerator

The Census Bureau produces an important set of demographics data about the United States every ten years. The 2010 Census is coming up soon and the Bureau is hiring thousands of t

Visa: Debit cards help keep mystery spending to a minimum

Spending only the cash you have is the best way to maintaining financial independence. However, I've always wondered if the cash-only system works for people who suck at keeping r

Three bad ways to fund mortgage lending (and maybe a good way)

Any institution that wants to fund mortgages has a problem. They want to lend the money out for thirty years, but the money they have to lend comes from deposits that can be withdr

How to create a speculative bubble and profit

Recently I read an enlightening story in the New York Times about the Pu'er tea bubble in Yunan, China. The burgundy fermented teas fetched prices of $150 a pound at the peak, but

15 Ways To Manage Risk In Your Financial Life

By managing our risks, we are better equipped with addressing unpredictable scenarios that can wreak havoc with our finances. Risk isn't a bad thing, just as long as it's controlle

Recession Journal Part II: Broke or Poor?

We must understand fundamentally while some of our exercises in saving go for naught and why when things turn around, we forget our lessons. Unfortunately in America just eat one b

Could you save money by subscribing to an addictive game?

During the Christmas break my husband and I went to dinner with some of his friends from high school. One couple we spoke with told us that they are trying to save money for a dow

Not too late to get your IRS stimulus rebate--if you qualify

A lot of taxpayers missed out on getting their IRS economic stimulus rebate last year, even though they qualified. If you're one of them, you'll be glad to know that there's a way

Retirement for Stay-at-Home Parents

Many families make a sacrifice by having one parent stay at home to raise their children. If the stay-at-home parent remains at home and unemployed for the majority of his or her

Coupon Coups

Nothing vindicates a cynic by being proven right and coupons can often be used as a marketing tool for the old bait and switch. Overcome misgivings about coupons by going from coup

Why Can't You Ever Make On-Time Payments?

How frustrating is it to pay all of your bills each month when you finally get a minute to sit down and take care of things, only to find out later you got socked with penalties an

Book Review and Giveaway: Rich Brother Rich Sister

Robert Kiyosaki's latest book is a slight departure from the words of financial prowess he typically shares with his readers. If you want to know more - and to win a free copy to c

Book review: Game Over

Stephen Leeb's new book makes that case that we're running into resource limits on every front--energy, metals, water--and that this problem is going to affect everything we do. T

Organized tips on getting through tough times

If you like Wise Bread for all the tips and suggestions, here's another resource full of much the same kind of information, but organized differently. Instead of a blog, it's a bu

Rethinking The Early Mortgage Payoff

The borrow-at-a-low-interest-rate-and-invest-to-get-greater-returns mentality was so embedded in our belief system that there almost seemed to be a stigma attached to not carrying

What will be pulled off the shelves? The impact of the new Consumer Product Safety Improvement Act

Recently the Consumer Product Safety Improvement Act is making headlines because it required that all products (including clothes) made for children 12 and under be tested for lead

Book Review: Rich Like Them by Ryan D'Agostino

One summer my mother showed me a series of articles in Money magazine by a reporter named Ryan D'Agostino who knocked on the doors of expensive homes to find out how the occupants

Bouncing Back When There's No "Bounce" Left

We all have our ups and downs. We've all faced some pretty depressing odds and come out on top. But sometimes, it feels like you just can't get ahead, no matter how hard you try

The Real Value of Forever Stamps

Considering that I pay most bills online, I don’t use a whole lot of postage stamps these days. When I do, however, it almost always involves me digging through piles of paperwork

Recession Journal Part I: 'Fast' Money in the '09

Forget about the fact that it's a recession. What you do now determines where you will be when the graph trends up again. What if you stopped dropping duckets like you dropped weig