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When Good Credit Isn’t Enough: The Shocking Reasons You May Be Denied a Credit Card Despite Your Excellent Score

It’s bound to happen to all of us at one time or another – you go to apply for a new credit card (or an auto loan, mortgage or any other line of credit) and, out of nowhere, they turn you down. Application declined. You’re shocked. Angry. And – … [Read more...]

Traveling Abroad? The Best Credit Cards for International Travel (And Some You Should Absolutely Leave At Home)

Travelling abroad? Make sure you have the right plastic. The best credit cards for international travel don't charge excessive foreign currency credit card fees, are accepted worldwide, and offer concierge-level service to help with your … [Read more...]

How to Start Travel Hacking: Fly for Little or Nothing (Even in First Class)

This July, I’m flying my family of four from Portland, Maine to San Antonio for a family wedding...for free. Had I paid for the airfare, the cost would ring in at over $2,000. Also awesome: I’ve gotten free first-class upgrades on about six out … [Read more...]

How Much Should You Spend on a Car in Your 20s?

Oh, cars. How we love to both love and hate you. It’s easy to get caught up in the manufactured romance of the automobile. The new-car smell. The comforting feel of cool leather cocooning you as you grip the wheel and accelerate into a curve. The p … [Read more...]

Alternatives To Savings Accounts

Anybody with a high yield savings account knows that the rates on these accounts are pretty dismal these days. Although some banks, including top-rated FNBO Direct, continue to pay competitive rates (as high as the market will allow), you can’t e … [Read more...]

Survey: Today’s 20-somethings Are Broke But Optimistic; How Do You Compare?

80% of 20-somethings expect to do at least as well financially as their parents -- Click to Tweet The State of 20-somethings' Finances in the United States In January 2014, Money Under 30 surveyed 300 random Americans between the ages of 21 and … [Read more...]

The Roth IRA: A Saver’s Best Friend

Ready to start investing on your own? Then a Roth IRA is the first place to look. Jump to: Roth IRA Contribution Limits Roth IRA Income Limits Before I took a job at SmartMoney Magazine, terms like 401(k), Traditional IRA, and Roth IRA … [Read more...]

Personal Loans Vs Credit Cards: When To Use A Loan Instead Of Plastic

When life's big expenses crop up, it's always best to pay cash. That's why the first step in building financial security is to get ahead of your paycheck and save money for emergencies -- and eventually big purchases like cars and vacations. If … [Read more...]

myRA: What You Need to Know About the New myRA Savings Account

If you watched President Obama’s State of the Union address a few weeks ago – or paved attention to any of the ensuring press – you may have heard about something called myRA. No, myRA is not some special healthcare plan for people with Rheumatoid … [Read more...]

Angie’s List: The Best $30 You’ll Spend All Year

When Lauren and I bought our first home in 2010, we entered the brave new world of home improvement and repair. From issues with the new home that came up during inspections to surprise repairs (a leaking pipe in the basement, two busted appliances, … [Read more...]