A Guide to Buying Gift Savings Bonds Online

As you may already know, you can no longer buy paper U.S. savings bonds. The Treasury phased out the paper certificates and now sells all bonds only online. As we enter the graduation time of year, many may be wanting to buy savings bonds as gifts for high school and college graduates. Ann Carrns over […]


Virgin America Visa® Signature Card

When it comes to free flights from an airlines rewards credit card, one free bonus flight for new card members is standard. From time to time, you’ll find a special bonus of two free flights (these deals usually don’t last long). With the Virgin America Visa® Signature Card, you get bonus points worth up to […]


Get Your Social Security Statement Online

Once a year my wife and I each receive in the mail our Social Security Statement. It shows us our earnings record for both social security and medicare. And it gives us an estimate of our future social security benefits depending on when we decide to retire. Recently the Social Security Administration made these statements […]


Mortgage Points and Fees, They Are a Changing

If you’ve ever applied for a mortgage, you know just how convoluted the whole process can be. Just trying to read a HUD-1 statement is enough to send you over the edge. And then there are origination fees and discount points. Discount points are fees charged that generally result in a lower interest rate on […]


The Best Hotel Rewards Credit Cards Offering Elite Status

A former boss of mine had travel down to a science. He bought the most expensive luggage and could pack a week’s worth of clothes into a single, carry-on roller. He had elite status on just about every airline and rental car company. But it was his premier status with hotels that really caught my […]


SmartMoney’s 2012 Broker Survey (the Best and Worst)

Surveys are worthless. SmartMoney just released its 2012 survey of the best and worst brokers. Let’s be honest here. I don’t trust movie reviews, so why would I put stock in a survey of investment brokers? Part of the problem is that even the best surveys are of limited valued. For example, here are the […]