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5 Reasons Why New Chip Credit Cards Won’t Reduce Fraud
Banks in the United States are undergoing a major transformation in credit card technology, a process similar to the one Europe successfully completed several years ago. Despite the technological...
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Can You Blame Them for Not Being Invested in Stocks?
After the stock market closed on Friday, my portfolio was at an all-time high. That was likely also the case for a lot of investors living in the United States who are similar to me: earning income,...
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Command and Control: From Baseball Pitches to Your Money
When your life is out of control, nothing seems to go right. You have the worst luck, and you can’t seem to get ahead with anything, whether a project, a goal, or even simple things like taking care of...
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Podcast 175: Carl Richards, The One-Page Financial Plan
It may have been over a year since I last put together a podcast episode, but I’m back today to talk with Consumerism Commentary Podcast guest Carl Richards. Carl is here to talk about his new book,...
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Life Is Short: Toxic Financial Attitudes
There’s a good reason I can’t get into extreme savings for retirement. When desperate financial times call for desperate financial measures, there is a good incentive to cut all unnecessary spending...
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Thank You: Twelve Years of Consumerism Commentary
Twelve years ago today I started a blog called Consumerism Commentary. On that date, I was about one year into my journey of improving my finances. I had the bright and forward-thinking idea to track...
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Metrics for your household finances
It’s the heart of the baseball season and, whereas 20 years ago talk about the sport would have centered on the All-Star Game, the trade deadline, and how the pennant races were shaping up, now the...
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Maimonides’ 8 Levels of Charity
In researching historical and religious views on charitable giving, I came across Maimonides’ hierarchy. He believed that there are 8 degrees of charity. These deal primarily with providing for the...
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Metrics for your household finances
It’s the heart of the baseball season and, whereas 20 years ago talk about the sport would have centered on the All-Star Game, the trade deadline, and how the pennant races were shaping up, now the...
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Hurry While Discover’s Double Miles Deal Lasts
Whether you’re planning a very special trip next year or just travel a lot, there’s currently a limited-time offer you really ought to think seriously about. The Discover it® Miles-Double Miles your...
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Why Lending Rates Can’t Stay Low Forever
For an organization that keeps announcing it hasn’t made a decision yet, the Federal Reserve sure gets a lot of media attention. And yes, the discussion of when and if the Fed is going to raise...
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6 Ways Your Bank is Ripping You Off
The Occupy Wall Street movement seems to have faded away, but it is fair to say that banks are still not very popular institutions. Fairly or unfairly, the prevailing impression many folks have is that...
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For better or worse: 5 ways to approach retirement
Retirement does not always go the way people expect. While no two experiences are exactly the same, over time it seems that people’s financial situations in retirement tend to fall into one of a few...
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New baby? Here’s your new account checklist
New baby? No doubt this new arrival has turned every aspect of your life upside down in the best possible way. Now is the time to make sure your financial house is in order. Here’s a 10-step account...
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Best Online Savings Accounts, September 2015
The best high-yield online savings accounts offer strong interest rates and great customer service, making them a popular option for savers. Studies also show online savings accounts often come with...
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How to beat the holiday debt blues with balance transfer credit cards
Now that the last holiday cookie has been eaten and the last New Year’s toast has been made, it’s time to vacuum the confetti and, for many Americans, face a sobering post-holiday credit card bill. For...
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How to know if it is time to buy a house
In chemistry, a catalyst is something that triggers a reaction — but the nature of the reaction itself depends on having the right elements in place to respond to the catalyst. What brought to mind...
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The Best Cash Back Credit Cards for March 2016
Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5 percent cash back for all credit card...
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2015 Federal Income Tax Brackets and Marginal Rates
Tax Day 2016 for IRS Tax Year 2015, also known as your return filing deadline, is April 18. If you haven’t yet filed, here are the IRS tax rates for your 2015 earnings with background and commentary....
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Travel reward credit cards — more vacation for your money
If travel is in your plans, you may want to know about this limited-time offer from American Express. It’s the Starwood Preferred Guest Credit Card, and it’s available until March 30, 2016. In fact,...
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