How and Why to Set Up a Certificate of Deposit (CD) Ladder

In this period of low interest rates, many savers aren’t seeing their money produce nearly as much income as they want. Some people want to keep their money in a better interest bearing vehicle. One option for riding our interest rate cycles such as the one we’re experience is a CD ladder. What is a […]

Free Amazon Prime for Students and Parents

Not quite three years ago, I signed up for Amazon Prime, which offers free two day shipping and discounted overnight shipping ($3.99/item) with no minimum purchase requirements on millions of items. If an item is eligible for “Super Saver Shipping, ” then it’s generally eligible for Prime. In short, I love this service. Yes, I […]

How Does the Gift Tax Work?

The gift tax. Perhaps you’ve heard the term, but do you know what it means? Many people don’t, so I thought I’d spend a bit of time talking about it. What is a gift? For starters, the IRS defines a gift as “any transfer to an individual, either directly or indirectly, where full consideration (measured […]

Chase (Sort of) Addresses Downtime

If you have an account with Chase and you tried to access it online earlier this week, then you’re likely aware that their website suffered a major outage spanning parts of three days. Well, the site is now back up, along with a brief apology: To our customers: Please accept our apology for the difficulties […]

You Don’t Need a Financial Advisor

With all the uncertainty in the economy, you might be asking yourself if you need a financial advisor. I’m a financial advisor so I make my living when people ask this question and decide that they do. But even so, I can tell you that not everyone needs an advisor. Here are some ideas to […]

Estimated Tax Payments Due for Q3 2010

This is just a quick reminder to anyone out there that is self-employed, or otherwise has to make estimated tax payments… Tomorrow is September 15th, which means that your third quarterly estimated tax payment is due. Note: If you’re reading this via e-mail, then you’re likely a day behind, and the deadline may have already […]

Spend Your AmEx Membership Rewards Points at

While I’ve always been a fan of cash back credit cards, reward points can be nearly as good if: (1) they’re worth at least the same amount as their cash brethren, and (2) you can figure out a way to use them like cash. In the past I’ve done things like cashing in my Citi […]

Reducing the Cost of Medical Care

My brother has had a hard time getting medical insurance in the past because he was out of school and didn’t have a job with health coverage. He and the family have thus had to be creative to keep their medical bills from overwhelming them. Medical expenses can be a huge burden. With basic ER […]

More than You Think: The True Cost of a College Education in America

This is a guest post by Jena Ellis, who specializes in writing on the topic of Online Certification Courses. She can be reached via e-mail at: [email protected] So you’ve finally hit that stage… You’re sending your kids off to college. This phase is one of the most important and trying times both for parents and […]

How to Handle a Bank Error in Your Favor

As you’re likely aware, bank aren’t perfect. Sometimes they make mistakes. And sometimes those mistakes actually favor the customer. Over the past week I’ve been dealing with a fairly significant bank error in our favor – as they say in Monopoly – and thought I’d share the story. The backstory A week ago this past […]