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Understanding Overdraft Protection and Fees

At one point or another, it’s happened to nearly all of us: For one reason or another, we spent more than our available checking account balance. And most likely, we wound up paying an overdraft fee for the privilege. In years prior to the day I “ … [Read more...]

How to Organize Your Finances in Three Simple Steps

Pop quiz: Do you know how much cash you have in all of your bank accounts, right now? How long would you take to determine how much you spent on groceries and how much you contributed to your IRA last year? Stumped? You might stand to learn how … [Read more...]

Seven Precepts to Prosper By

So, you want some answers. On priorities: I’m 25. What should my financial priority be? On saving: How much should I be saving if I earn $45k? On spending: Can I afford that vacation next summer? In three years I’ve written roughly a half m … [Read more...]

A Turning Point for Gen. Y Financial Literacy?

Four years ago, nearly dozing off in class, I thought to myself: “What if I borrow a million dollars, hide it somewhere then declare bankruptcy?” The idea seemed as diabolically ingenious as a well-planned bank heist. And I actually considered it! Tod … [Read more...]

Best of Money Under 30 (2009)

What better way to celebrate the last day of 2009 than a retrospective? Hence, I give you 15 of the year's best Money Under 30 articles, subjectively selected for uniqueness; popularity among readers, commenters and re-tweeters; and, of course, my … [Read more...]

Why Recessions Are Good For Our Economy

I know what you’re thinking: How can high unemployment rates, declining stock markets, and having less cash in your wallet be good things? We like to think that in a perfect world, we would never have to endure the hardships associated with economic d … [Read more...]

A Case for Local Banks and Credit Unions

I have been trying to convince my wife to switch her checking account away from Bank of America; I'm not a fan. Recently, on my post on leading financial iPhone apps, two readers asked why. Although there are pros and cons to banking both with large … [Read more...]

Five “Forgotten” Financial Habits to Develop In Your Twenties

"I'm 25 and only make $30k a year. I've got student loans. I'm broke! Why should I care about investing?" I hear this all the time. When it comes to money, many of my peers (at least the ones not completely afraid of their finances) are concerned … [Read more...]

How to Talk Money With Your Partner

Do you talk to your partner about finances? If not, have “the talk”. It may very well save you frustration, save you money, and save your relationship. I recently read an article on The New York Times, four money talks to have before marriage, and … [Read more...]

How to Watch Your Wallet With High-Rolling Friends

I received an e-mail from a 28-year old budget-conscious reader with a common conundrum. She’s watching her wallet. Her friends? Not so much. How do you deal with friends that perennially spend, splurge, and squander? Unfortunately, “keeping up wi … [Read more...]