12 Good Reasons Why You Should (and Shouldn't) Use a Credit Card

When I was a kid I used to have a Ouija board.

Thankfully, my nerdy friends and I were never possessed by evil spirits while conjuring up our dead relatives to see how they were doing (they’re fine, thanks), or getting answers to burning questions like whether or not certain members of the junior high school cheer leading squad had the hots for us (they didn’t — at least not for

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3 Things You Should Never Pay For with a Credit Card (and One You Always Should)

This guest post was written by Jason Bushey. Jason is a personal finance blogger, and he runs the day to day operations at Creditnet.com.

Credit cards shouldn’t scare you; when used correctly, they’re actually the most rewarding form of currency available today.

Seriously, when’s the last time you were rewarded with airline miles for using cash?

And while it’s highly recommended that everyone should apply for a credit card as early

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18 Personal Finance Facts You Didn't Know About US Presidents

It may seem hard to believe at times, but the 44 Americans who have had the good fortune to be called “Mr. President” are really no different than the rest of us.

Oh sure, sitting US presidents may be considered the most powerful men in the free world, but at the end of the day they still put their pants on one leg at a time. Yes, some were financially successful

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The Embarrassing Anatomy of a Phishing Scam

You’ve got to hand it to scam artists. They often succeed in spite of themselves.

If I had a nickel for every time I retrieved a message from my inbox warning me that my PayPal account has been limited, or that my credit card has been suspended, well, I’d have at least $100 bucks in my pocket right now.

Don’t scoff. That’s 2000 nickels!

This afternoon it happened again. I got

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3 Essential Tips for Finding the Best Home Loan

Going through the mortgage process can be an intimidating, overwhelming experience, even for people who have done it before.

For newcomers, it can be especially difficult. It’s easy to understand why:   you’re facing the prospect of entering into an agreement that puts you on the hook for huge amounts of money over a very long period of time.

Mortgage contracts are long, complicated and filled with minutiae. The entire process

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10 Red Flags That May Signal You're In Big Financial Trouble

One of my favorite television shows is National Geographic Channel’s Locked Up Abroad. Each week, this absolutely fabulous show features the story of somebody who had the misfortune of either getting incarcerated in a foreign prison or kidnapped abroad and held against their will.

For those of you who haven’t seen it, Locked Up Abroad is narrated on-camera by the actual people whose story is being told. This first-person narrative not

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The Best Credit Cards of 2013

This is a guest post by Logan Abbott. Logan is the editor of MyRatePlan.com, a leading comparison site for credit cards, mobile phones, phone service, insurance, and more.

The New Year is upon us, and that means you probably made some New Year’s resolutions. If you’re like me, at least one of the resolutions you make each year involves improving an aspect of your own personal finance.

I had dinner with

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Are You an Unwitting Financial Time Traveler?

I have a voracious appetite for time-travel stories. I absolutely love ‘em.

One of my all-time favorite television shows, The Twilight Zone, devoted at least five fantastic episodes to the subject; I wish Rod Serling had written more of them.

This weekend the Honeybee and I rented Looper, a recently-released time-travel flick starring Bruce Willis and Joseph Gordon-Levitt. It was a really terrific movie — and if you don’t believe me,

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100 Words On: How Our Debt Troubles Are Usually Related to Diet

Many folks who tally their assets and liabilities after years of modest but steady increases in income often end up scratching their heads, wondering why their net worth is nothing to write home about. Whether they’ll admit it or not, those dumbfounded individuals usually have a lot in common with the chronic couch potato who can’t understand why he weighs 450 pounds. Both have management issues — the former, cash; the

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Why Choosing Debit or Credit Is Like Picking Salad Dressing

“What kind of dressing would you like on your salad?”

For most people, it’s a simple decision. Not for me though.

I don’t know why, but when my server asks me that question I usually tense up and act like I’ve just been asked the million-dollar question on Who Wants to be A Millionaire.

“Dressing? I really can’t decide if I want ranch or bleu cheese. Well, eh, um, ah, er,

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