6 Personal Finance Tools for Your College Student

As kids head off to college, they face a range of new temptations that can drain their financial resources. For many parents, the fear of a child falling into financial trouble is as deep as concern over academic performance. Unlike a semester of less than stellar grades, which good future performance largely offsets, poor financial decisions often haunt students for years after they leave college. You can help to equip

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9 Indispensable Financial Tips for Teens & Twentysomethings

I hate to admit this, kids, but I used to think my parents were really dumb too. A few peas short of a casserole. All foam, no beer. Dumber than a box of hair.

I get it; Matthew, you’re 16 and, Nina, you’re 14 going on 29, which, by default, means you both already know everything about anything. But as time passes by, you’ll begin to realize that the older you get, the

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4 Steps to Help You Splurge on a Treat

This article was written by Graham from Moneystepper. Moneystepper provides advice on taking small steps every day, which have a much bigger impact over the long-term. Daily posts cover every aspect of money, investing, saving, real estate, taxes & the economy: everything you need to increase your net wealth in the short, medium and long term.

We all need treats in life. We need to enjoy experiences that will create lasting

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How Do They Calculate Credit Scores and What’s In a Credit Report?

In order to talk about what is considered when calculating your credit score you need to first understand what shows up in your credit report. Your credit report is a history of how you have used or abused your credit. This report is created by one of three primary credit-reporting agencies: TransUnion, Equifax, and Experian. As a result, you actually have three reports and, subsequently, three credit scores.

What is my Credit

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11 Retirement Saving Tips for Twentysomethings (& Older Folks Too)

Spring has finally arrived! Not coincidentally, I can’t help but notice that the birds are once again building their nests in my trees.

Of course, watching those provident early birds got me thinking about the financial importance of feathering our own nests for retirement.

Here’s the rub: For most twentysomethings, saving for retirement is typically far far down their priority list. Let’s face it, it’s tough to get motivated preparing for an event that won’t arrive

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100 Words On: Why Inflation Is Taxation without Representation

Inflation is a tax that doesn’t require legislative approval. Here’s why: Assume your saving account earns 3% interest. (I know; but play along.) Whether that interest is taxed at 100% in a zero-inflationary environment, or earned tax-free with 3% inflation, the end result is identical. Considering the US is mired in over $100 trillion of debt and unfunded obligations, that’s especially convenient.

The bottom line: Legislators know that imposing onerous taxes on

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Brazilian Hyperinflation: A Reader Explains What Life Was Like (Part 2)

(In Part 1, Leasi shared her account of life in Brazil during the hyperinflation that raged there between 1980 and 1994. For Part 2, I have a Q&A with Leasi that sheds a little more light on what she endured during that time.)

Len: Thanks for taking the time to share your story with me and my readers, Leasi! You mentioned that you had trouble finding a job in your chosen profession after

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Brazilian Hyperinflation: A Reader Explains What Life Was Like

(Readers: In 1990, inflation in Brazil was running at 3000% per year. At that rate, a loaf of bread that cost $3 on New Year’s Day would cost $93 by December 31. With that in mind, awhile back one my readers, Leasi, mentioned that she had lived in Brazil during its hyperinflationary period from 1980-1994. So I rolled the dice and asked her if she would be willing to share

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100 Words On: A Surefire Way to Beat the Lottery - Guaranteed.

I realize I’ve made this point before but, come on, talk about a sucker’s bet: The odds are before you ever strike it rich playing the lottery you’ll most likely be struck by lightning. Twice. Now consider this: Over a ten year period, somebody who puts $25 per week into a savings account or CD earning 4.5% compounded monthly will earn $16,417. Meanwhile, someone hoping to strike it rich by

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Priceline Users Be Careful: Name the Wrong Price and You May Go To Jail

I bet you didn’t know Priceline had a jail.

I didn’t either until I got tossed into their web-based hoosegow for 24 hours. Heh.

What was my “crime” you ask?

This is kind of embarrassing to admit, but I recently made an offer on a rental car for our upcoming family vacation to the East Coast that was apparently a bit too low for Priceline and their affiliates’ liking.

I still don’t understand what I did

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