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Using Your Debit Card to Save You Money

By (view all posts by CassieB)
at 9:56AM Saturday March 12, 2011
under Personal Finance

Many people have both debit and credit cards in their wallets, but they do not use the right card for every purchase. What kinds of purchases are better suited for the credit card, and which ones for the debit card? Read on to find out. Read More »

Ask the Advisor: Investment Strategies After Two Years of a Bull Market

By Guest Blogger(view all posts by Kent_Thune)
at 8:57AM Thursday March 10, 2011
under Personal Finance

Image by Manuel González Olaechea via Wikimedia Commons

Question: Now that the Bull market for stocks is two years old, where is the best place to invest?

This is a good question because it allows for making two important points to remember for investors:

1) Market timing strategies are often harmful


2) There is no such thing as an "average" Bull market. Read More »

Buy Like Buffett: Make Sure You're Prepared for a Financial Crisis

By Guest Blogger(view all posts by Mark.Riddix)
at 9:57AM Tuesday March 8, 2011
under Personal Finance

Any good homeowner knows that you should have an emergency kit in case of any disasters. These are very useful in case a hurricane, flood, earthquake or other natural calamity should occur. Just as your home should be prepared for any emergencies that may occur, you should also prepare your finances. I am going to assume that you already know you should have an emergency savings account.

So, let's take a look at a few other things that you should have in case of emergency. Read More »

Weathering the downturn on a shoestring

By (view all posts by edwardkhoo)
at 9:55AM Saturday March 5, 2011
under Personal Finance

For the guys at the top, the recession may seem to have turned. But for the rest of us, the downturn is still very much a reality. And most experts are agreed that a return of full employment is still a long way off. So if you're one of those who has been knocked back by the harsh winds following the credit crunch, you'll need to find ways to weather the ongoing storm. You want to be one of those still standing, when the sunshine finally comes back into employment landscape. Read More »

Ask the Advisor: Is Investing in Gold a Good Idea?

By Guest Blogger(view all posts by Kent_Thune)
at 8:57AM Thursday March 3, 2011
under Personal Finance

Image courtesy of Mykl Roventine via Flickr

Question: Is now a good time to buy gold? It seems prices keep going up and up.

As I write this blog post, the price of gold bullion sits at an all-time high of 1438 and is moving higher. How much higher will it go? That's a question many investors and gold speculators are asking right now. Read More »

Ballers on Budgets: Downsize College Costs and Jumpstart Your Career with a Summer Internship

By (view all posts by PennyRay)
at 6:57AM Thursday March 3, 2011
under Personal Finance

Summer vacation may sound like a good time to rest, relax and not think about school for two months, but many responsible college students have found that summer break is much better spent earning money to pay down student loans. The idea of a summer job immediately provokes images of fast food lines and nightclubs, and in many ways cashiering and tending bar can provide skills and training necessary to succeed in business.

However, the most can be made of your summer job experience by planning ahead and applying for paid internships within your field of study. Read More »

Splitting Up: Avoid Turning Your Personal Finances into a Divorce Statistic

By (view all posts by NerdWallet)
at 7:55AM Wednesday March 2, 2011
under Personal Finance

You've split up the furniture, decided who's keeping which novelty mug, and said your courteous and warm goodbyes to your former spouse who will remain your close friend. Okay, maybe not so much the last one. But you get the idea: you're dividing the loot. Unfortunately, extricating your previously communal finances is a bit more hairy. Read More »

Buy Like Buffett: Your 2010 Tax Return Filing Checklist

By Guest Blogger(view all posts by Mark.Riddix)
at 8:55AM Tuesday March 1, 2011
under Personal Finance

We are only one month away until tax season will be upon us. April 18th will soon be here and lots of people will either be scrambling to the post office or to their personal computers to file their taxes. It's still not too late for you save yourself from the headache of filing your taxes at the last minute.

In order to help you get properly prepared to tax season, here is a handy checklist of things that you should do before tax time. Read More »

How Canceling a Credit Card Affects Your FICO Score

By Guest Blogger(view all posts by Guest_Blogger)
at 10:55AM Monday February 28, 2011
under Personal Finance

Many times when people decide they need to simplify their finances, one of the first things they consider is closing one or more credit card accounts. If you have a wallet full of credit cards, and you have balances on more than one of them, it can be extremely difficult to keep track of all of the different monthly due dates and payments.

If you have multiple credit cards and there are some you don't use, this poses a higher risk for fraud since there is a good chance you might not bother opening some credit card statements when they arrive. After all, what would you need to look at it if you know you haven't used the card, right? The truth is, if you aren't keeping a close eye on your credit card statements, you can become a victim of credit card or identity fraud that goes undetected for quite some time. Read More »

Simplify Credit Card Use by Avoiding These Six Mistakes

By Guest Blogger(view all posts by Odysseas.Papadimitriou)
at 10:56AM Saturday February 26, 2011
under Personal Finance

Credit card use is complicated.  In order to be classified as a responsible credit user you must pay your bill on time (and preferably in full) each month and maintain low credit utilization.  In order to avoid wasting money, you must find the right credit card for your lifestyle and steer clear of the myriad fees and usage trappings that trip many consumers up.  As a result, it's no wonder that 25% of Americans have "bad" credit, according to FICO, the largest credit scoring institution in the U.S.

Still, if you know what mistakes to avoid and how to avoid them, you'll be ahead of the curve and far more likely to both garner a great credit score and save money on your credit card spending.  To this end, we've compiled a list of six of the most significant credit card mistakes people make and how to avoid them.  Enjoy! Read More »

Protect Yourself from Credit Card Fraud

By Guest Blogger(view all posts by Guest_Blogger)
at 10:56AM Friday February 25, 2011
under Personal Finance

In the first two articles of this series we examined the criminal techniques that fraudsters employ to access credit card details, the ways in which they use this data for fraud, and the techniques card providers use to protect their customers.

In this third and final part we explore the measures you can take to protect yourself against credit card fraud. Read More »

Ask the Advisor: Libya, Egypt and Gas Prices

By Guest Blogger(view all posts by Kent_Thune)
at 11:55AM Thursday February 24, 2011
under Personal Finance

Image courtesy of

: Why are gas and oil prices higher and the stock market is sinking? Is it because of the crisis in Egypt and Libya?

The short answer to your two-part question is, yes, gas and oil prices are higher while stock prices are lower, in large part due to the unrest in the Middle East. However there are more complexities involved with the interrelationships of gas, oil and stocks. Read More »