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Capital One VentureOne Rewards Credit Card Review

by Flexo

Credit card companies tend to have some of the most pervasive marketing messages. Through frequent commercials, credit cards get their branding goals across with immediately-identifiable taglines. Discover has “it pays to Discover.” Citibank has been using “Citi never sleeps” recently. One of the most effective marketing hooks comes from Capital One, with the indelible “what’s ... Continue reading this article…

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Schwab Invest First 2% Cash Back Card Officially Dead

by Flexo

Now that the Schwab Invest First 2 percent Cash Back credit card is officially closed, consider one of the alternatives below. Owners of the very popular Schwab Invest First Visa credit card, which offered 2 percent cash back on purchases deposited directly into a Schwab account, have started receiving word that their favorite card will be converted ... Continue reading this article…

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Best Buy Reward Zone Credit Card Review

by Flexo

Several times, I’ve done what is considered unthinkable by most personal finance experts: I signed up for store credit cards at the point of sale. I have a Macy’s card, which I signed up for a discount on clothing I was planning to buy — clothing that is probably overpriced in the first place. But ... Continue reading this article…

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Capital One Cash Credit Card Review

by Flexo

Even though cash back rewards programs have increased over the years, they’ve also become much more complex. When a credit card issuer decides to offer more than 1 percent cash back, the company usually does it in a convoluted way that few consumers take the time to understand. Some require specific purchases to be made while ... Continue reading this article…

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How to Hedge Against Gasoline Price Increases

by Flexo
Gas Pump Fuel | crowt59

When gasoline prices at the pump increased to the point where the cost was a major news item engendering backlash among the public, oil companies were sporting big profits. Consumers reacted by buying more fuel-efficient cars and traveling less, but there is another approach for investors — an approach that mimics what commodities and hedge ... Continue reading this article…

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Are Credit Card Annual Fees Worthwhile?

by Flexo

The best credit card deals are often spoiled by an annual fee. Annual fees can range from about $50 to $2,500, with the high end reserved for the super-select American Express Centurion Card (the “black card”). In return for this fee, credit card issuers provide a range of benefits beyond what typical no-fee cards offer, ... Continue reading this article…

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Pay Down Debt or Build an Emergency Fund?

by Flexo
San Diego

Although I’m not a financial professional and I don’t normally give advice, I’m relatively comfortable offering some opinions when it comes to strategy. A reader presented this question to me recently. I’m open to answering questions as long as the answers don’t involve giving stock picks or legal advice. My wife and I recently moved ... Continue reading this article…

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What Happens If The Debt Ceiling Isn’t Raised?

by Flexo
Debt Ceiling

Democrats and Republicans in Congress, not to mention the President, are battling over what to do about the debt ceiling, an arbitrary limit of government borrowing set by Congress. The government borrows money from investors in order to pay its expenses, like salaries and Social Security, and if the government is unable to borrow, eventually ... Continue reading this article…

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