Official 2012 Federal Income Tax Brackets

The final figures for the 2012 Income Tax Brackets have been confirmed by the IRS (pdf file). The current tax rate structure we use has been in place since 2003 and consists of 6 rates: 10%, 15%, 25%, 28%, 33% and 35%. These 6 tax rates will remain in effect through 2012, but we expect […]


Beware of Debt Collectors Bearing Gifts

Photo: wajakemek | rashdanothman Imagine that you have unpaid credit card debt. That’s the bad news. The good news is that the statute of limitations on the debt has expired, so you are not legally obligated to pay. But your credit score has taken a dive, so getting more credit seems impossible. And then comes […]


Reader question: Should you invest in a 401(k), a Roth IRA, or pay off credit card debt?

Recently a reader e-mailed me with the following question: I definitely do want to open a Roth IRA as soon as possible because I hear it’s typically better than the Traditional IRA. However, I’m not certain whether one should be putting money way in one’s 401K or Roth. As you can tell, I’m not that […]


How to Turn Gift Cards into Cash

Did you ever receive a gift card to a store where you never shop? With the holiday’s behind us, you may be sitting on a lot of gift cards you may never use. One option is to re-gift them. But another option is to sell the gift cards online for cash. Buy and Sell Gift […]


Ready Debit Card Review

I‘ve reviewed a lot of prepaid cards here on the Dough Roller. I’ve done that for two main reasons: (1) prepaid cards are a growing market as people look for alternatives to traditional banks and credit cards, and (2) there is still a lot of confusion concerning how these cards work, particularly when it comes […]


5 Tools To Keep Your New Year’s Resolution In Check

A New Year’s resolution is, in the words of Mary Poppins, like a pie crust promise–easily made, easily broken. But that doesn’t stop us from making promises of positive change every year. Whether it’s a big change or just a few tweaks, New Year’s resolutions are a dime a dozen. In fact, almost 50% of […]