YAP Prepaid MasterCard Review

Update: The YAP MasterCard is no longer available. You can find popular alternatives on our list of low cost prepaid debit cards. You’ve probably never heard of the YAP Prepaid MasterCard. While it’s not the most popular prepaid card, there were two things about this card that caught my attention. First, as I’ll explain below, […]

5 Online Tools for Tracking Your Cash

I often think of my mom and her frugal ways. She was a budget goddess. In the days before the pc, lap top, tablet and smart phone phenomenon, she implemented a budget system that anyone could manage – anyone who was committed that is. It was the envelope system. When the paycheck came home my […]

Cash or Credit – How Should You Pay?

Photo: Rareclass Trying to figure out the best way to manage your money takes some careful thought. One money management question we face everyday is deceptively simple–should you pay with cash or credit. On the surface the choice between paying with cash or using a credit card seems straightforward. Many of us make this decision […]

How to Invest with Just $25 A Month

When I started investing in the stock market back in 1993, my wife and I were dirt poor. I’d just graduated from law school, and our net worth was a negative $55,000. We still wanted to start investing, but we were faced with a big problem–how do you invest when you don’t have much money? […]

How Half a Percent Can Ruin Your Retirement

Last year one of my largest expenses was one I never saw. I didn’t get a bill for it. And I didn’t have to pay it, at least not directly. But it still cost me a small fortune. I’m talking about investment costs in the form of mutual fund expenses. Mutual fund expenses present two […]

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 […]