Should You Pay Off Your Mortgage Early?

3% Mortgage

Having recently paid off all of our non-mortgage debt, we now confront another financial decision–should we begin to pay off our mortgage early? Admittedly this is a good problem to have. But it does raise an important financial decision. We want to use our money in a way that produces the highest return with the […]

Published or Updated: May 17, 2011

Chase Sapphire Preferred Card

It’s impossible to find a credit card that offers as big an up-front cash bonus as the . For a limited time, new cardholders will earn 40,000 bonus points when spending at least $4,000 within the first three months.  Those points can be turned in for a $400 statement credit OR a plane ticket worth […]

Published or Updated: May 3, 2015

20 Great Father’s Day Gift Ideas Under $100

Father's Day

This year, Father’s Day falls on June 19th, which means you have just over one month to find Dad a gift he will love.  You might be surprised to learn that Father’s Day wasn’t an official holiday until 1972, when President Richard M. Nixon signed it into law. Father’s Day can be dated back to […]

Published or Updated: June 19, 2015

ING Direct Savings Accounts for Kids Launched


Update: ING Direct is now Capital One 360. The good news is that they still have this great savings account option for children. Check out details here. Teaching children about money can be done in a variety of ways.  Some parents like the idea of an allowance, where kids can earn money every week by […]

Published or Updated: May 10, 2013

Avoid Paying Unnecessary Car Insurance

Car Insurance

I’ve been trying for years to reduce my car insurance bill. But for some reason, no matter how good of a driver I am and how much older I get, it doesn’t happen.  I drive my car less than almost any other American, and I still pay over $100 a month just for liability coverage.  […]

Published or Updated: May 13, 2011

How Low Can Online Savings Account Rates Go?

Savings account key

If you’re one of the millions of Americans that have money tucked away in online savings accounts, you’ve probably noticed over the last 30 months, the slow and steady decline of your savings account rate.  Just a few years ago, 5% APY was a common savings account interest rate and online savings accounts were one […]

Published or Updated: July 14, 2014

Wipe Out Credit Card Debt With This Free Tool From

Free Credit Card Debt Repayment Tool

One of the greatest feelings of financial freedom is the day you pay off all of your credit card debt. It’s also one of the hardest things for many to accomplish. In fact, a study by the United States Department of Justice found that 90% of no-asset non-business Chapter 7 filings had credit card debt, […]

Published or Updated: March 22, 2012

Citi Forward Card Review


When I was in college, I remember a time when I signed up for a credit card because I received a really cool t-shirt.  I don’t own the shirt anymore, and I don’t own the debt I incurred with that credit card either but for a while, I spent a lot more than I could […]

Published or Updated: March 13, 2014

The Best 5 Year CD Rates 2015

5 year Roth IRA Rule

If you’ve taken a look at deposit interest rates lately, you’ll notice a trend over the past two years that simply cannot be broken.  It seems that each week, a litany of banks continue to lower the interest rate offered on savings, money market and CD accounts and while it would appear they can’t go […]

Published or Updated: January 6, 2015