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Check Your Notices

by Flexo

When a credit card company with which you have a card sends a letter in a thin envelope, it’s best to read it. Likely, the company is notifying you of changes within the terms of the agreement. (The thicker envelopes are usually new card offers and unless it’s a great deal, it’s best to shred ... Continue reading this article…

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More on 401(k) Borrowing

by Flexo

Following up on the topic of 401(k) loans, which was discussed here, there is a new article on CNN Money by Walter Updegrave. This article compares a scenario for two options: borrowing $40,000 through a 401(k) loan and borrowing the same amount through a home equity line of credit. Assuming the two options are available ... Continue reading this article…

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Should You Borrow From Your 401(k)?

by Flexo

Borrowing from your 401(k) is generally a bad idea. There are some positive aspects of doing so, however. It’s a nice option to have if you are stuck with no other choices. Here are some of the drawbacks, as mentioned by Lewis Schiff from the Armchair Millionaire. The money you take out of your 401(k) ... Continue reading this article…

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ING Direct Savings Rate Up

by Flexo

ING Direct now offers a 2.8 percent APY on their savings accounts, up 20 basis points. This rate is still well below the one offered by Emigrant Direct for that bank’s no fee, no minimum balance savings account. You may want to consider ING Direct’s certificates of deposit if you don’t mind not touching your ... Continue reading this article…

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My Investments

by Flexo

In the interest of full disclosure, I might as well give you a a peek into the investing side of my net worth. Roth IRA Invested in the TIAA-Cref Equity Index [TCEIX], directly with TIAA-Cref. The fund invests in the stocks listed in the Russell 3000 Index. It has a low expense ratio of 0.26 percent, ... Continue reading this article…

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Credit, Debit, Check or Cash?

by Flexo

According to the Federal Reserve, credit and debit payments surpassed check payments last year. Between credit and debit transactions, debits have been gaining popularity. A Reuters article states that for those with financial discipline, credit cards are the best option for every day purchases. The Citibank Dividend Platinum Select MasterCard is mentioned as a great ... Continue reading this article…

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Welcome Yahoo Finance Visitors

by Flexo

Tech Insider from Yahoo Finance has listed Consumerism Commentary among its list of “Ten Money Blogs Everyone Should Read.” If you’re visiting from that location, welcome! Feel free to browse through the archives (links down the right side of this page) and follow my thoughts and links on personal finance. Please don’t be shy; leave ... Continue reading this article…

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No Money? Buy a Home!

by Flexo

Many of the people I’ve grown up with have been buying their first homes at this point. One of my closest friends (and his wife and daughter) is selling his first home and moving onto bigger and better. So yes, I’ve been thinking about it a bit. In that respect, this article caught my attention ... Continue reading this article…

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