Personal Finance 
14
comments

Financial education not helping consumers make better money moves

Financial education isn't working right now. Please try again later.Even with new regulations put in place after the financial crisis, we still have a pretty caveat emptor (let the buyer beware) approach to finance in this country.

Americans are mostly free to take out an adjustable rate mortgage with a crappy rate that will leave them eating ramen every night, or invest all their retirement savings in high-risk foreign stocks if they want to, based on the premise that consumers themselves are the best judge of what financial products are right for them.

(Click to continue reading…)


 Personal Finance, Retirement 
6
comments

Will your future self thank you, or curse you?

What will your future self's life look like?I don’t remember when my wife and I started talking about our past selves and our future selves, but for years we’ve been doing it as a way to motivate ourselves through tough moments, especially when we’re making our lives difficult in the present to help ourselves in the future.

“My future self had better appreciate this,” we’d say as we pulled old carpets up on New Year’s Eve so we wouldn’t have to do it after we had moved in and put all our furniture on top of it. Or when we set up an automatic direct deposit to a savings account that tended to leave our checking account pretty empty by the time the next paycheck rolled around.

Somehow, picturing our future selves not having to stress about a flat tire or unexpected medical bill made it easier to save in the here and now.

We may have been on to something with that.
(Click to continue reading…)


 Personal Finance 
7
comments

Stupid government shutdown makes case for seeking financial independence

Government shutdown will threaten workers' financesWith Republicans in Congress continuing to press for limitations to Obamacare as a condition of passing a budget and Democrats completely unwilling to agree to anything like that, we’re officially in a government shutdown.

Social Security checks will still go out, air traffic controllers will still scan the skies and American soldiers will continue to report for duty, but functions considered non-essential will be disrupted until a new budget is passed.


(Click to continue reading…)


Advertising Disclosure: Bargaineering may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
About | Contact Me | Privacy Policy/Your California Privacy Rights | Terms of Use | Press
Copyright © 2014 by www.Bargaineering.com. All rights reserved.