Category: Money Hacks, Tips, and Tricks

Cyber Monday is the term used for the Monday after Thanksgiving. Retailers have counted on the Friday after Thanksgiving, Black Friday, to be their biggest day for sales (ala using say newegg codes) during the year for quite some time, and in 2004, online retailers noticed a huge increase in sales on the Monday after Thanksgiving when [...]

Cd rates have been declining this year, this is unfortunate for many who are looking to invest in Cds. Many people wish the Federal Reserve would step in and raise the Cd rates. The three month Cd has fallen from .57% to 55% since last week, the six month Cd has dropped from .85% to [...]

The Roth 401 (k) plan is a new form of retirement account combining the Roth IRA (k) plan and the regular 401 (k) plan. It has bits of both plans which allows the employee to have more flexibility when planning out his retirement as long as his employer agrees with the the switch. There is [...]

Credit card fraud is has become common whether on the internet, through the phone, or the mail; but taking the following precautions can prevent these unwanted fraudulent bills. Dispose old credit cards or billing receipts containing confidential information Watch for falsified commercials on the television or internet Keep credit and debit cards in a separate [...]

Yes, 30 year mortgage rates are near lows, but the all time low was in April. Yet  5.06 percent isn’t too far off the scale. 30 year mortgage rates fell at an all time low last April when they hit 4.81 and in May at 4.86, but now rates are sitting tight at 5.06 percent. [...]

Today many people find themselves rejected at banks when trying to attain a loan due to their credit score, and other factors. But now there is a new way to get a loan, Peer to Peer Lending. Borrowers receive loans through websites such as Lendingclub.com. These lending sites allow two persons: the lender and borrower [...]

The tax extension deadline for filing your 2008 federal tax return is coming up tomorrow, October 15th, 2009. To avoid any further penalties on your return you must file before Friday, Oct. 15th, 2009. I got my taxes in on time for 2008, but in the past have had to file an extension. One important [...]

If you are planning to buy a new car, you may want to wait until July 23rd. At that time, the government will release the final details of the Car Allowance Rebate System (aka: Gas Guzzler Rebate Program). The program works as follow, if you trade in an eligible car for a new car that [...]

If your are a responsible credit card user, you should take advantage of a good cash reward credit card (or a non-cash reward card if you prefer). For example, Discover More card is currently offering 5% cash back reward on restaurants until the end of June, and in July through September you can sign up [...]

Credit utilization rate (or debt to credit ratio) is how much you owe as a percentage of your total credit line. For example, if you credit card’s credit limit is $10,000 and you owe $2,500 — your credit utilization rate is 25%. A good way to improve your credit score is to pay down your [...]