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A Credit Card With No Late Fees?

by Flexo

Over the last year or two, credit card companies in general have been ratcheting up fees, perhaps to make up for more and more people who are learning to avoid them and to pay for the generous rewards they have been offering until recently. For example, it’s difficult to find full 0 percent balance transfer offers. ... Continue reading this article…

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Survey Results: Your Comments and My Responses

by Flexo

I’m very happy for the feedback I received as a result of a reader survey. I’ve shared the hard data, most recently with your favorite types of articles to read. The survey also included a section for respondents to write any comments they may have, protected by anonymity. Here are some of those comments. Warning: ... Continue reading this article…

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Survey Results: What You Like (And Don’t Like) About Consumerism Commentary

by Flexo

About a month ago, I asked readers to answer a short survey so I could learn about this blog’s readers. It was a fun experiment, but looking back, I could have designed the survey a little better. Regardless, the survey was successful. So far, I’ve shared who you are and your reading habits. Now I ... Continue reading this article…

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Pseudo-Savings Option: GE Interest Plus Account

by Flexo

I received an email from a reader about the GE Interest Plus Account. This account functions like a savings account with limited check writing privileges, but there are some important differences to consider before you open an account. The account offers high interest rates in tiers. For balances less than $15,000, you’ll earn 4.91 percent. For ... Continue reading this article…

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Your Advice to Your Younger Self

by Flexo

The two winners of the free copies of Cash, Cars, & College, by Janine Bolon were informed last night. If you entered the contest, check your email to see if you’ve won. In order to enter the contest, I asked that commenters provide some financial advice they’d give their teenage self if they were able ... Continue reading this article…

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Don’t Expect a Big Pay Increase: Other Options

by Flexo

Hewitt Associates is saying that companies are not planning above average base pay increases in 2008 thanks to rising health insurance costs. This is the same reason I’ve heard over and over again. Average employees have nothing to look forward to in terms of raises, as perhaps they shouldn’t have. Even above average employees will ... Continue reading this article…

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Personal Income Statement, June 2007 (Net Income: $2,223)

by Flexo

Late last night, I published June’s balance sheet. This is my income and expense report, which goes hand-in-hand with the balance sheet, explaining a little bit about how my net worth changed from May 31 to June 30. Thankfully, my higher-than-normal expenses were matched by higher-than-normal income. Here are the details.

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5 Good Reasons to Avoid Debit Cards

by Flexo

I have two checking accounts. One is with Wachovia, which has been my main checking account (through bank mergers and acquisitions) for the last 15 years or so. The other is with ING Direct, which is a more recent development. Both checking accounts have provided me with debit cards which can be used to access ... Continue reading this article…

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