I recently received a pamphlet about the "improvements" that Bank of America is making on several of their checking accounts. But after reading through it, all I see are a bunch of small fee increases. For example, many people have the MyAccess … [Read the rest]
Free Personalized Hallmark Card For Mother’s Day
Posted on April 30, 2009 // 22 Comments
Mother's Day is May 10th. Get off your lazy bum and send Mom a card! Actually, since you can do this all online and they'll even ship it for you... go ahead and stay on your lazy bum. Hallmark is offering a free personalized paper card, and … [Read the rest]
Citi Forward Card Review + Rewards Summary
Posted on April 28, 2009 // 67 Comments
I ended up applying for the Citi Forward® Card mentioned several days ago. It ends up being great card for those who want the best rewards on eating out at restaurant and buying anything at Amazon.com. Here's why... This card works off the same … [Read the rest]
Reminder: U.S. Savings Bonds Purchase Deadline
Posted on April 28, 2009 // 11 Comments
Just thought I'd mention that I used TreasuryDirect today to purchase another $5,000 of Series I savings bonds. If you buy them by the end of April, you can lock in an investment that will get you about 3.08% APR over 11 months. The deadline is … [Read the rest]
Should I Buy Gold Now To Hedge Against Future Inflation?
Posted on April 27, 2009 // 24 Comments
Due to the current market conditions, many investors are wondering if investments in gold should be added to their portfolios to hedge against future inflation risks. In the video below (direct link), author Larry Swedroe discusses why he thinks gold … [Read the rest]
My Cash Transfer Hub: E-Trade Complete Savings Account
Posted on April 26, 2009 // 33 Comments
If you have your cash spread out across several bank accounts, whether it's to help with chasing higher interest rates, paranoia, or saving for different goals, it can become quite a hassle to transfer money between accounts. I get asked all the time … [Read the rest]
Amortization Schedules and Principal Prepayment, Part 2: Verification
Posted on April 24, 2009 // 9 Comments
Yesterday in Part 1, we talked about the basics of amortization and mortgage prepayment. In this post, I just wanted to share some other interesting results I got when tinkering around with the amortization schedule. Are you always paying the … [Read the rest]
Free Schick Quattro Trimmer / X-Men Movie Promo
Posted on April 23, 2009 // 4 Comments
Request yet another free razor sample. … [Read the rest]
Amortization Schedules and Principal Prepayment, Part 1: Shortening a 30-Year Mortgage Into 15
Posted on April 23, 2009 // 47 Comments
I've been tinkering around with my mortgage. Have you ever wondered how the monthly payment was determined? It's called amortization. An amortization schedule is a way to make equal payments over a period of time, but have the payments split … [Read the rest]
Bogle & Enough: Not Everything That Counts Can Be Counted
Posted on April 21, 2009 // 19 Comments
John Bogle is the founder of the Vanguard Mutual Fund Group, and the creator of the first index fund. Reading his latest book Enough: True Measures of Money, Business, and Life was like listening to one of his many speaking engagements, a … [Read the rest]
Quick Review of ESPlannerBasic, Free Version of ESPlanner Retirement Planning Calculator
Posted on April 20, 2009 // 11 Comments
Background There are an increasing number of sleek but simplistic retirement calculators out there, and most of them are basically the same. You put in your savings rate and overall asset allocation, and it crunches some numbers based on … [Read the rest]
Gillette Free Razor Giveaway Month
Posted on April 18, 2009 // 11 Comments
Gillette is giving away 500 razors each day at Noon Eastern every day for a month, until May 16th. Register at Gillette.com/walk. It might be better to wait a few days for this promo to die down? Don't watch the painful video of Tiger, Jeter, … [Read the rest]
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