Discover Card Now Only Allows One Card At A Time

Posted on January 21, 2011 // 13 Comments

Here's a quick note for those considering applying for a Discover credit card, which came up after a few folks got rejected from the Discover More Card offering 0% interest on balance transfers for 12 months with no balance transfer fee. The limited … [Read the rest]

Flowchart: Should You Work For Free?

Posted on January 21, 2011 // 5 Comments

Here's a decision chart that'll amuse those of you who work independently, perform some freelancing/consulting work, or just happen to be especially good at something. Should you do the work for free? Well, it depends: (click to visit … [Read the rest]

No Time To Budget? Track Your Expenses In 15 Minutes

Posted on January 20, 2011 // 12 Comments

Ah, budgeting. New year, same old goals? While I'm not one of those people that think everyone needs a detailed budget, I do think everyone should track their spending at least once a year or so. This way, you have a real snapshot of where your money … [Read the rest]

LivingSocial: $20 Amazon Gift Card For $10

Posted on January 19, 2011 // 10 Comments

LivingSocial is a group-buying deal-a-day website like Groupon, and I guess they want some attention too. They're offering a $20 gift card to Amazon.com for only $10, looks like at every major US city today. Over a million have been sold … [Read the rest]

Where I Keep My Emergency Fund Cash – January 2011

Posted on January 18, 2011 // 30 Comments

The results of my Emergency Fund survey are in, and appears that there are a lot of big savers out there! 28% of respondents had cash reserves of over 12 months of expenses, and 24% of you had the more-often recommended 4-6 months of … [Read the rest]

Talent Is Overrated, Deliberate Practice, & Tiger Moms [Book Review]

Posted on January 17, 2011 // 15 Comments

If you're looking for a inspirational book to read for the new year, consider this one, but read on to see if you like what you'll learn. :) In Talent Is Overrated, author Geoff Colvin explores what makes world-class performers different from … [Read the rest]

California: You Can’t Afford It

Posted on January 14, 2011 // 37 Comments

It's my third day of being sick, so I will simply wish you a great weekend and share an amusing t-shirt I found in Target. It would be more funny, except it's kind of true for half of Californians: More than half of the state's homeowners … [Read the rest]

Rewards Credit Cards: Rotating Categories 2011 January to March Update

Posted on January 11, 2011 // 9 Comments

When you charge something on your credit card, the merchant usually pays about 2-3% in transaction fees for the convenience and benefit of accepting these cards. To get your business, issuers often rebate part of these fees in the form of % cashback … [Read the rest]

Ignite Video: Tips For Buying A New Car

Posted on January 11, 2011 // 13 Comments

Here is a 5-minute, 20-slide talk from a 2007 Ignite conference in which John Gruhl shares his tips on buying a new car from a dealer. It's gotten over 250,000 views on YouTube, and includes a lot of the same tips you may have heard before but in a … [Read the rest]

Poll: How Big Is Your Emergency Fund?

Posted on January 10, 2011 // 20 Comments

Below is a chart of the median duration of unemployment from July 1967 to December 2010, based on data supplied by the US Department of Labor. Things are bad out there, and remember, this is just the median! According to this December … [Read the rest]

What Is Your Portfolio’s Current Asset Allocation?

Posted on January 7, 2011 // 11 Comments

If you haven't been keeping close track of it, your portfolio's asset allocation may have shifted significantly over the past year. Your relative mix of assets like stocks, bonds, or real estate has a great impact on the volatility and expected … [Read the rest]

TradeKing “New Year, New Broker” $50 Sign-up Bonus

Posted on January 7, 2011 // 4 Comments

Online discount broker TradeKing has brought back their on-again, off-again $50 sign-up bonus for new accounts. You must open with at least $2,500 and make one trade within 30 days. TradeKing offers $4.95 trades with no minimum balance requirement … [Read the rest]

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