As featured in The Wall Street Journal, Money Magazine, and more!

Why Lending Rates Can’t Stay Low Forever

by Richard Barrington

The Federal Reserve sure gets a lot of media attention. And yes, the discussion of when and if the Fed is going to raise interest rates can get a little tedious, but it still probably deserves some of your attention because interest rates are woven so deeply into the fabric of household finances. The Fed […]

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Balance Transfer Cards for Fair, Average or Excellent Credit

by Richard Barrington

[Editorial note: This offer was last updated on July 13, 2016.] Are you still wrestling down holiday debt? Zero-interest balance transfer credit card offers can help you meet this challenge, but only if you know what to look for. Otherwise, you will end up paying interest anyway, which is exactly what the credit card companies […]

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Financial Upgrades You Need After Becoming Parents

by Robert DiGiacomo

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 and financial checklist to lay the groundwork for your little one’s successful future. New account checklist for […]

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Best Online Savings Accounts for August 2016

by Richard Barrington

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 lower fees. Read More “High-yield” is unfortunately a bit of a misnomer these days; a decade ago, interest rates were 4 percent and 5 percent among select […]

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Retirement Planning and Advice

by Richard Barrington

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 distinct categories. As you think ahead to how you want your retirement to go, keep the following categories in mind. […]

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6 Ways Your Bank is Ripping You Off

by Richard Barrington

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 bankers are fat cats who make their fortunes at the expense of ordinary people. However, instead of being mad at […]

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Hurry While Discover’s® Double Miles Deal Lasts

by Curtis Arnold

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 first year card is effectively offering double miles for the first year after new cardholders (but not existing ones) open their accounts. Here’s […]

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Metrics for your household finances

by Richard Barrington

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 chatter is filled with terms like “Wins Above Replacement” and “Defense-Independent ERA.” For better or worse, advanced metrics have […]

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Thank You: Twelve Years of Consumerism Commentary

by Luke Landes
Original Consumerism Commentary

Thank you to Consumerism Commentary readers.

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Life Is Short: Toxic Financial Attitudes

by Luke Landes
Drinks on beach

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 and eliminate bad debt. Many people even wait until they hit rock bottom before reforming their approach to their finances, because the effects of […]

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