Money Management and Personal Finance | The Dough Roller
Recently, I’ve been spending more time than I care to admit with mortgage brokers. First my wife and I refinanced our home to take advantage of the low mortgage rates (we got 4.825% fixed for 30 years on a super conforming loan). And then I refinanced one of my investment properties. During this refi bonanza, [...]
The very first credit card I ever owned was the , and here I am 8 years later, still pulling it out of my wallet from time to time. Designed for cardholders with limited to average credit (which is exactly what I had after taking out a plethora of student loans) this card is simple [...]
The S&P downgrade of U.S. debt from AAA to AA+ reminds me of the Christian Bale’s character (Dicky Eklund) in the movie, The Fighter. We’ve been walking around like we’re the “pride of Lowell,” but now we’ve been slapped down to reality. If there’s any doubt about this, check out what China had to say [...]
For the most part, the motor vehicle administrations located statewide throughout the United States have “point systems” which are used to track accidents and violations that impact your driving record. This point system is especially pertinent when one is looking to purchase car insurance. Car insurance companies will order a copy of the applicant’s driving [...]
A few days before my college graduation, I faced some very real fears. Having no apartment, no job and no life outside of school, I stayed awake at night terrified thinking that I went to school for nothing. Sure, I know a little more about probability and statistics but spending five years in school only [...]
As prepaid credit cards become a realistic banking alternative, more consumer-friendly cards become available. And by consumer-friendly I mean prepaid cards with little or no fees. As prepaid cards eliminate fees, they become a better alternative to high fee bank accounts. And that brings me to the Western Union MoneyWise prepaid card. When I think [...]
When credit cards were introduced to the masses more than 25 years ago, they were used simply to provide a method of payment and nothing more. Credit Card rewards didn’t exist and managing your finances while building credit wasn’t the concern of every credit card holder. Consider the a return to those simpler times. Let’s [...]
The absolute best time to go on vacation is during a stock market “correction.” I’m sitting here in Phoenix trying to figure out how to survive 110 degree temperatures, so I have little time to worry about my portfolio. But it is hard to ignore what’s going on in the market. Today the Dow tumbled [...]
The desire to know what your credit score is in comparison to the national average may be fueled by an innate interest to understand where you fall in comparison to others or it may be motivated to understand what it takes to qualify for a loan. As we’ve written before, all credit scores range from [...]