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

These Banks Don’t Want Your Money

by Luke Landes

Note: The information in this article is no longer current. It was updated September 2, 2011 and originally published February 18, 2009. It’s true that high-yield savings accounts offer interest multiples above what you can usually find from your typical state or national bank. For example, a “high performance” money market account (savings account) at ... Continue reading this article…

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Obama Sends $75 Billion to Homeowners in Foreclosure

by Luke Landes

If real estate is truly the root of the economic recession, then this new proposal from President Obama should help. The plan calls for $75 billion to help 9 million homeowners who can no longer afford their monthly mortgage payments and are at risk for foreclosure. Here is how this plan would help. If you ... Continue reading this article…

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Quicken Online Adds New Cash Tracking Feature

by Luke Landes

This week, Quicken Online (reviewed here), a free service, has added a few new features to help you more accurately and efficiently track your spending and manage your finances. As credit card offer increasingly unfavorable terms and abandon rewards, and as fewer people qualify for credit cards, more are turning to spending using cold hard ... Continue reading this article…

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Is Your Home an Asset or Liability?

by Luke Landes

When is your house a liability? Does the fact that you have a mortgage make your house a liability? Or do you have to owe more than the house is worth? What is a liability, anyway? Well, it depends. Looking at your house from a financial perspective, which you should do because if you’re like ... Continue reading this article…

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The Paradox of The Paradox of Thrift

by Luke Landes

If you’ve been paying attention lately, you might have heard that throughout the economic recession, Americans have been saving more of their income. Some economists worry that saving, while good for the individual, can be harmful to the economy as a whole. This is commonly called, “the paradox of thrift,” a theory developed by John ... Continue reading this article…

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Only a Few Hours Left to Buy Your Experian FICO Credit Score

by Luke Landes

The number that credit reporting bureau Experian supplies to lenders when you apply for a loan, used to evaluate whether the company should extend credit to you, will soon be unavailable to customers. At midnight tonight, customers will no longer be able to visit MyFICO to buy their own credit score from Experian. After today, ... Continue reading this article…

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It’s Not Just About the $400 Tax Credit

by Smithee

When talking about the 790 billion dollar stimulus bill currently nearing the end of its congressional marathon, it’s tempting for people to focus on the direct, short-term benefits, namely a $400 tax credit, and how such a thing won’t go very far in benefiting most people. I tend to agree, but I’m also the first ... Continue reading this article…

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Generation X Will Depend on Family and Government for Long-Term Care

by Luke Landes

According to a recent survey of 1,004 individuals born between 1960 and 1980, roughly Generation X, many expect their family or the government to provide care or funding for care as they age. Here are some of the more interesting statistics from the study, released by America’s Health Insurance Plans (AHIP), an association of health ... Continue reading this article…

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Housing Market Crash Predicted in 2003

by Luke Landes

In 2003, John Talbott predicted the housing market crash, in a way. It’s true that when the real estate market is exuberantly celebrating an uncharacteristic increase in home prices, you can predict a crash and just wait for it to come true. Here’s what Talbott, a former Vice President at Goldman Sachs and author of ... Continue reading this article…

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Senate and House of Representatives Agree on Stimulus Bill Compromise

by Luke Landes

In the past few minutes, the conference including the Senate and the House of Representatives was concluded. They’ve come to a compromise between the two versions of the economic stimulus bill to be sent to the President of the United States to be signed into law. I’ll post more details when the Congress provides them. ... Continue reading this article…

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