Citi Brings Back the 15-Month 0% APR Intro Offer

In what is a sure sign that the credit markets are thawing, Citi is the first credit card issuer in more than a year to offer a 0% balance transfer for 15 months. There’s an interesting history to balance transfer offers in general, and a 15-month offer in particular, but first here are the terms […]


How to Switch Banks in 5 Easy Steps

Switching banks may seem as daunting as buying a new computer or doing your own taxes — or both, put together. You’d love better service, but dread the tedium of the transfer, set-up, and orientation process. There have been times when I’ve wanted to change banks, but the thought of going through all the hassle […]


Does Canceling An Old Credit Card Hurt Your Credit?

A reader recently e-mailed me with a question about credit cards and his FICO credit score. Here’s his question: I have a question relating to annual credit card fees. One of my credit cards that i got about 7 years ago with HSBC has an annual fee of $37.00. I have developed positive credit history […]


The Ins and Outs of Car Insurance Deductibles

One of the easiest ways to save money is to adjust insurance deductibles. A deductible, to put it simply, is the money you pay out-of-pocket before your insurance company kicks in and pays its part. When it comes to automobile insurance, or any insurance for that matter, it’s critical that you set smart deductibles for […]


The Million Dollar Business of Swoopo – Penny Auctions Review

As a child, I was an avid sports card and coin collector.  Without the internet at my fingertips (early 90’s … that’s right, I’m young), I had three basic ways of obtaining new cards and coins.  I could either visit the local hobby shops, trade with my friends or my favorite, save up enough money […]


Is the 65% COBRA Subsidy Going, Going, Gone?

Update: Today, President Obama signed into law an extension of the COBRA Subsidy through March 31, 2010 This is a good news, bad news, and then maybe some more good news kind of story. You’ve no doubt heard of COBRA (Consolidated Omnibus Budget Reconciliation Act), which according to the Department of Labor “gives workers and […]