New Credit Card Reviews

We’ve recently been discussing ways to take care of your finances, particularly the credit cards you choose to carry, by possibly transferring your balances to a new card. It almost always pay to keep up on the credit cards you use and make sure you’re getting the best possible rates and terms you can. A [...]

Credit Card Balance Transfer

The credit card industry has been changing quite a bit lately and this could be a good time to rethink the cards you’re using and perhaps take advantage of a credit card balance transfer.  Over time, your interest rate on your current card may have increased or the terms may have become unfavorable to you. [...]

Tips to Save Money – Take the Time for Savings

You just might be able to find a way to save money today if you just stop and take the time to get your financial house in order. Over time, we tend to let some of the little things build up that could be saving us some money in our budget. Little things like the [...]

The Cost of a Mutual Fund

Buying mutual funds can both be a simple process as well as an exercise in frustration. The number of choices alone are dizzying, but the cost of a mutual fund is a bit confusing at times. Recent advice would tend to suggest that you should examine much more than just the expenses when considering a [...]

Pay Down Your Mortgage…Or Not

Many homeowners are faced with question of whether it’s a good idea to pay down their mortgage if they have some extra money. The benefits are many. Most importantly, you can reduce the length of your loan. If you simply make an extra payment or two, especially early in the loan, you can take quite [...]

Home Mortgage Refinancing Redux

The recession has certainly caused more than just a bit of pain for consumers and especially for home owners. However, as a result of mortgage rates that continue to fall and have reached some of the lowest rates seen in a long time, it is becoming a perfect time to refinance. The great difficulty at [...]

Tax Credits and Deductions for a New Year

Tax season rolls around every year, whether we like it or not, and it’s really best to be prepared for any new tax credits or deductions that have been created since you last filed. In fact, it’s probably a good idea to go ahead and refresh your memory for any good tax tips from prior [...]

Credit Card Company Loopholes

There are changes on the horizon in the credit card world, presumably to help consumers from getting gouged from the credit card companies. The Credit Card Accountability, Responsibility and Disclosure Act of 2009 is designed to lower unfair fees and reduce overly high interest rates as well as eliminate other questionable policies. There are, however, [...]

Personal Finance Stories in Review

David Randall over at Forbes has provided a nice little rundown on some recent Personal Finance stories that have recently appeared at Forbes, the New York Times, Washington Post and elsewhere. Of interest is an article on preparing your first retirement account. Also, 11 financial tips for new parents. And, very amusing article on haggling [...]

HARP Loan Refinance Program

The HARP loan program, (Home Affordable Refinance Program), has received quite a bit of press recently, but is largely considered to be a failure, at least at this point. The HARP program was designed to help some 4 to 5 million homeowners refinance their mortgages in order to reduce their payments and stay in their [...]

Saving Money while Holiday Shopping

Saving money during the holiday shopping season, especially in those heady days around Cyber Monday, can be an intimidating experience. The NY Times has an interesting article with some good tips for saving money while site-hopping for the best deals.

Financial Planning Starts With The Basics

As you coordinate a system for your personal financial well-being, the hard task is finding out where to begin. A responsible person looking to save money should first understand and analyze one’s big financial picture. This should happen before trying to get into stocks and bonds or even life insurance There are two useful tools [...]

Web Hosting Providers

Part of watching your personal finances includes finding the best and most affordable deals available.  Well, if you’re running a website, or thinking of starting up a blog or new website, then you’ve no doubt spent some time looking for a good web host provider. I know I’ve spent too much time jumping from host [...]

The Danger of Using a Debit Card

The NY Times recently ran a short editorial detailing the “Debit Card Trap“, basically outlining the hefty overdraft fees that banks may levy on your account should you go over your balance. They offer a couple of suggestions that the government should take to insure that consumers are protected against egregious charges. Of course, one [...]

Don’t Forget about Life Insurance

We frequently discuss personal finance issues such as saving money, investing wisely and alleviating your debt, but sometimes we forget to talk much about life insurance. It’s true that life insurance can be easily put off, due largely because it might just not be that pleasant to think about. Also, for many people, it seems [...]

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