Citi Simplicity Card Review – 0% Intro APR for 21 Months

Citibank is no stranger to launching quality credit cards with excellent introductory rates, and it would appear they’ve done it again.  The Citi Simplicity® Card – No Late Fees Ever, which you may have seen advertised on television, is now offering consumers the longest 0% intro rate available today–21 months on both purchases and balance […]


What is a Flexible Spending Account?

Graduating from college in 2006, I’ve really never had the opportunity to take advantage of some of the benefits that larger corporations and employers have to offer.  Before working from home, I was employed at a small-time online company that didn’t have things like retirement plans, flexible spending accounts, or even health insurance!  I guess […]


How a Late Mortgage Payment Affects Your Credit Score

Have you ever wondered how a late mortgage payment would affect your credit score? How about a foreclosure or bankruptcy? Well, the folks over at FICO did some research into this question and the results may surprise you. The FICO research looked at three hypothetical consumers with starting credit scores of 680, 720 and 780. […]


Why I Use Quicken to Manage My Debt Mountain

Debt sucks.  There’s just no prettier way to say it and for the past four years, I’ve been dealing with more non-mortgage debt than most Americans will ever see.  You see, after being extremely stupid and attending a private university for five years (to obtain a four year degree no less), I took on the […]


How Much Do Health Insurance Companies Spend On You?

In 2010, proposed rules were issued and approved by the National Association of Insurance Commissioners (NAIC) for measuring the Medical Loss Ratio (MLR). The MLR is part of the Affordable Care Act (ACA), a law that puts into place comprehensive health insurance reforms that is intended to hold insurance companies more accountable, will lower health […]


3 Easy Ways to Invest with Vanguard

Recently I reviewed Betterment, an online tool that makes investing in stocks and bonds very easy. As easy as Betterment is to use (I opened an account to give it a try before writing the review), however, I did have one big complaint – cost. In response to the review, Jon Stein, the CEO of […]