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Tinkering With Site Design

I changed up some of the design of the website last night, not really sure why, I had some free time and have been meaning to try some things out. I don't have the motivation to do a complete redesign, but wanted to update things slightly to … [Read the rest]

Don’t Let 401(k) Auto-Enrollment Decide Your Contribution Rate For You

The Wall Street Journal has a rather surprising article 401(k) Law Suppresses Saving for Retirement regarding a recent law that allowed employers to automatically enroll their employees into their 401(k) retirement plans. The goal was to encourage … [Read the rest]

How Not To Select A Good Mutual Fund

I was looking through the Barnes & Noble bargain bin and found a book called "How to do just about everything". Okay, how to unplug a toilet... how to carve a turkey... hey, a personal finance section! Wow, quite awful. After coming home and … [Read the rest]

Certified Financial Planner (CFP) Education on the Cheap

Over the long weekend, a few conversations rekindled my curiosity about gaining a Certified Financial Planner (CFP) designation. Now, I really don't want to be a financial planner. I'm quite happy with my current career right now. I primarily … [Read the rest]

Rewards Credit Cards: Rotating Categories 2011 July to September (5% + Up to $200 Cash Back)

Rewards credit cards are very popular, with more folks trying to stretch every dollar. Besides, who doesn't like cash back? The following credit cards offer a hefty 5% back, but only in certain categories that rotate each quarter. Even though this … [Read the rest]

Weekend Reading: The American Dream, Dollar Coins, Fidelity Problems, and United/Continental Merger

Happy Birthday America! Here's some of what I've been reading over the long weekend: The Death of the American Dream I A good long-ish editorial from the The American Interest magazine about the "American Dream". The American Dream used to … [Read the rest]

California vs. Amazon.com in Sales Tax Battle

California, along with many other states, is broke. As part of an attempt to create more revenue, California passed a more aggressive law to force online merchants to collect sales tax. A 1992 Supreme Court decision stated that retailers that … [Read the rest]

Capital One 360 Financial Independence Day Promotions

Capital One 360 is running their usual "Financial" Independence Day promotion. Valid only July 1st & 2nd, 2011 (why not until the 4th? who knows). New 360 checking account customers will receive an opening bonus of $50 when they make three … [Read the rest]

Mortgage Down Payment Size vs. Delinquency Rate

As part of new reforms, the government is debating what downpayment size should be required for a "qualified" residential mortgage. If a mortgage doesn't meet the new standards, the lending bank would have to retain 5% ownership even if selling … [Read the rest]

Book Review: SuperFreakonomics – Economics Lessons

Super Freakonomics is the follow-up to the 2005 bestseller, Freakonomics by Levitt and Dubner. This review will not be a summary of all the stories inside, although they are indeed entertaining. Given that they compare Santas and prostitutes, … [Read the rest]

Top Credit Card Bonuses Roundup – June 2011

If you have a good credit score and the discipline not to get into consumer debt, you can profit from your responsibility by participating in various credit card promos where their ad dollars go into your pocket. There have been some exceptionally … [Read the rest]

Free $2 Credit for Amazon MP3 Downloads

Amazon.com is offering $2 of free credit towards MP3 downloads with the code CLOUDMP3. No purchase required. Enter code at this link. It should increase your gift card balance by $2 for music purchases only. You must redeem the code by June 30, … [Read the rest]