Save money

5 ways to stretch your grocery budget »

As rising fuel costs and demand drove up food prices last year, consumers throughout the country felt the pinch at the grocery store. Although predictions for 2012 aren’t as dramatic, the Department…

Feb 8 2012 / No Comment / Read More »

How to save more now with savvy budgeting »

Behavioral economists and psychologists have long noted that people are not wired well when it comes to making short-term sacrifices to achieve long-term goals. In an innovative researchproject published in the Journal of…

Feb 8 2012 / No Comment / Read More »
Banking

5 steps to get your credit card rate lowered »

One of the biggest benefits of maintaining good credit is access to the most competitive interest rates on everything from…

Feb 8 2012 / No Comment / Read More »

Get new credit card for sign-up bonus? »

Have you been tempted to get a new credit card just for the sign-up bonus or reward? Credit card sign-up…

Feb 8 2012 / No Comment / Read More »

Who pays dad’s card debts when he dies? »

Q:Dear Debt Adviser, My dad is 83 and has two or three credit cards maxed out. Is anyone responsible to…

Feb 8 2012 / No Comment / Read More »

When is it bad to kill a credit card? »

Q: Dear Credit Card Adviser, I have six unsecured credit cards I plan to pay off this year. I have a…

Feb 8 2012 / No Comment / Read More »
Loans

Defining a safe mortgage: has it gone too far? »

A little-known regulation sparked by the 2008 housing meltdown has the potential to fundamentally change the landscape of the housing and mortgage markets, further tightening the stranglehold on credit availability and deepening the housing market downturn. Known as the qualified residential mortgage (QRM), this draft…

Jun 29 2011 / No Comment / Read More »

Big banks bow out of reverse mortgage market »

Seniors will have fewer avenues to secure steady retirement income, now that the two largest lenders in the reverse-mortgage business have decided to discontinue offering the product. Wells Fargo, the nation’s top reverse-mortgage lender, announced earlier this month that it will stop originating the loans,…

Jun 29 2011 / No Comment / Read More »

How to pay off your mortgage early »

Paying off the mortgage early is in. Refinancing to take money out of our homes is out. In this foreclosure crisis, more people are seeking the security and psychological benefits that come with owning a home free and clear. If you want to pay off your…

Jun 8 2011 / No Comment / Read More »

The Student Loan Ranger’s Mailbag Express: forgiveness and repayment »

The Student Loan Ranger would like to give a special shout out to all you new graduates! As you know, we dedicate a blog post each month to questions we have received in order to shed some light on the educational debt decisions our readers…

Jun 8 2011 / No Comment / Read More »

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    Insurance

    A guide to buying life insurance »

    Many people obtain life insurance when they first have children and then forget about it, except when the premium bill comes due. But an effective…

    Jun 8 2011 / No Comment / Read More »

    Health care coverage: Big changes in 2012 »

    Come 2012, millions of Americans who get health care coverage through their employer should brace for some big changes. Charging higher contributions for dependent coverage…

    May 11 2011 / No Comment / Read More »

    Family health care costs to rise this year »

    Health care costs for a family of four rose again in 2011, with employees paying a much larger share of the rising expenses, according to…

    May 11 2011 / No Comment / Read More »
    Bankruptcy

    Will student debt ruin your life?

    Imagine going to college to improve your life and walking away with $500,000 in student debt. That number is no typo. A young Seattle couple ended up so mired in debt on the way to their degrees…

    May 26 2011 / Read More »
    Budgeting

    Nine-step guide to taking control of your money before starting first jobs

    Starting a new job after graduation usually means a new boss, new tasks, and a new salary. It also means new financial challenges, as young workers figure out how to navigate the world of retirement savings,…

    Jun 29 2011 / Read More »
    Careers

    The best cities for job hunting

    Dear Annie: I just got a pink slip from the bank where I’ve worked as a marketing director for the past 12 years, and which is now undergoing a total restructuring, so I’m pondering what my next…

    Feb 8 2012 / Read More »
    Debt Management

    Can I lose homes in bankruptcy?

    Dear Bankruptcy Adviser, I have two properties in my name. Right now, I am in a difficult situation with making my mortgage payments. If I file for bankruptcy, can I lose both houses?  – Luis A:…

    Feb 8 2012 / Read More »
    Real estate

    The last housing mistake you’ll ever make

    With the housing market seeing signs of a double dip in prices,homeowners who got in over their heads have looked to save money by any means necessary. Now, thanks to extremely low interest rates,adjustable-rate mortgages are…

    Jun 8 2011 / Read More »
    Retirement

    Tax tips for retirees

    Responsible retirement planning begins early in a career. As time goes by, money placed in an IRA or a 401(k) will grow, allowing for a comfortable retirement. But post-retirement, the money saved over decades undergoes a fundamental change. Most…

    Feb 8 2012 / Read More »
    Software

    Intuit’s Mint adds home-loan feature to personal finance site

    Mint — the personal finance website owned by Mountain View software maker Intuit — is now helping its members find mortgages. According to a news release today, the new feature will emphasize how homebuyers can reduce…

    Mar 25 2011 / Read More »
    Taxes

    Tax tips for retirees

    Responsible retirement planning begins early in a career. As time goes by, money placed in an IRA or a 401(k) will grow, allowing for a comfortable retirement. But post-retirement, the money saved over decades undergoes a fundamental change. Most…

    Feb 8 2012 / Read More »

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