http://pfblogs.org/ms/ Delivering all the personal finance blogs you can handle -- and then some. contact@pfblogs.org en-us Copyright 2012 2012-05-18T10:30:51-05:00 http://pfblogs.org/ Occasionally, Consumerism Commentary readers send in questions about handling their finances. I am not a financial planner, so I have no certification claiming I’m qualified to give financial advice. I am not an investment adviser, so I certainly won’t be recommending stocks. I like the opportunity to address financial questions that other readers may be [...]Reader Question: Should I Invest in My Non-Matching 401(k)? is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/invest-non-matching-401k/ http://www.consumerismcommentary.com/invest-non-matching-401k/ Consumerism Commentary 2012-05-18T10:30:51-05:00 I am the guiding voice of Get Rich Slowly. Over the past six years (and one month), I’ve been the one who has written the bulk of the articles here, the one who has edited 95% of the material on the site, and the one who has decided which topics we cover and which topics [...] ... http://www.getrichslowly.org/blog/2012/05/18/reader-survey-how-can-we-improve-get-rich-slowly/ http://www.getrichslowly.org/blog/2012/05/18/reader-survey-how-can-we-improve-get-rich-slowly/ Get Rich Slowly 2012-05-18T07:00:42-05:00 One of the most anticipated IPOs in a long time is about to drop today – Facebook. This post will be published around 7am and when the markets open at 9:30am, chances are the initial public offering for the largest social network kick off with a price between $28 and $35 (they raised it to [...]Your Take: Are You Buying the Facebook IPO? from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/buying-facebook-ipo.html http://www.bargaineering.com/articles/buying-facebook-ipo.html Bargaineering 2012-05-18T07:00:23-05:00 I have long contended there is a much better retirement saving strategy than saving increasingly humongous portions of your weekly earnings. That strategy: Simply planning not to retire. Think of it. If you don’t retire, and you go right on working, you won’t have to save as much as you get older, because you’ll be earning as [...] ... http://www.fivecentnickel.com/2012/05/17/the-plot-lines-of-your-second-act/ http://www.fivecentnickel.com/2012/05/17/the-plot-lines-of-your-second-act/ Five Cent Nickel 2012-05-17T18:47:22-05:00 In discussing unbanked and underbanked American consumers, we tend to focus on low socioeconomic status communities. The mainstream opinion is that building wealth and long-term financial stability relies on the use of traditional banking and investing products and the knowledge to use these products effectively. The financial industry tends to avoid low socioeconomic status communities [...]Young Americans Likely to Be Unbanked Regardless of Income Level is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/young-americans-likely-to-be-unbanked-regardless-of-income-level/ http://www.consumerismcommentary.com/young-americans-likely-to-be-unbanked-regardless-of-income-level/ Consumerism Commentary 2012-05-17T12:38:15-05:00 By now, you are probably aware of how important your credit score is to your financial future. Knowing your credit score, and keeping up with your credit situation can help you save money in the long run, especially as you take steps to improve your situation. One of the ways you can keep tabs on [...]Credit Sesame’s New iPhone App Review from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/credit-sesames-iphone-app-review.html http://www.bargaineering.com/articles/credit-sesames-iphone-app-review.html Bargaineering 2012-05-17T12:10:58-05:00 This is a guest post from Halina Zakowicz of Your Money and Debt. Like many of you, I’m always looking to save money on brand name items. Aside from drug prescriptions, generics have just never quite “done it” for me — the generic soda I bought went gone flat in hours, the generic toilet paper [...] ... http://www.getrichslowly.org/blog/2012/05/17/how-to-buy-brand-name-items-at-generic-brand-prices/ http://www.getrichslowly.org/blog/2012/05/17/how-to-buy-brand-name-items-at-generic-brand-prices/ Get Rich Slowly 2012-05-17T08:00:02-05:00 Thus far, my investing in individual stocks has been confined mostly to dividend stocks and a bunch of companies I really like (and have good financials), such as Apple and Southwest (ok, mostly good financials). One of the things I researched extensively was the merits of dividend reinvestment. The idea behind dividend reinvestment is that [...]Brokers with Free Dividend Reinvestment Programs from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/brokers-free-dividend-reinvestment-programs.html http://www.bargaineering.com/articles/brokers-free-dividend-reinvestment-programs.html Bargaineering 2012-05-17T07:15:45-05:00 This is a guest post from Chris Guillebeau, author of The $100 Startup, available from Amazon.com or your favorite local bookstore. You can also read his free blog at ChrisGuillebeau.com. Guillebeau is a long-time reader and supporter of GRS and one of J.D.’s good friends. You’ve probably heard the line about following your passion to [...] ... http://www.getrichslowly.org/blog/2012/05/16/the-real-secret-to-making-money-by-following-your-passion/ http://www.getrichslowly.org/blog/2012/05/16/the-real-secret-to-making-money-by-following-your-passion/ Get Rich Slowly 2012-05-16T17:00:41-05:00 Earlier this week, I received an interesting broker-related tidbit in my inbox… It seems that TradeKing and Zecco are merging in hopes of challenging what they refer to as the “big five” online brokers (Schwab, Fidelity, TD Ameritrade, E-Trade, and Scottrade). In case you don’t recall, Zecco is best known for having pioneered the free trading [...] ... http://www.fivecentnickel.com/2012/05/16/tradeking-and-zecco-are-merging/ http://www.fivecentnickel.com/2012/05/16/tradeking-and-zecco-are-merging/ Five Cent Nickel 2012-05-16T16:55:28-05:00 In response to my article about HSA contribution limits for 2013, a reader named Stephanie asked the following: Is there any good way to calculate which health plan is right for you? I’ve been having trouble the past few years deciding between the regular PPO and the HDPPO, but my health care costs are usually pretty [...] ... http://www.fivecentnickel.com/2012/05/16/choosing-between-a-high-deductible-and-traditional-health-plan/ http://www.fivecentnickel.com/2012/05/16/choosing-between-a-high-deductible-and-traditional-health-plan/ Five Cent Nickel 2012-05-16T15:14:33-05:00 Even though the economy is showing signs of improvement, they aren’t large signs, and unemployment remains stubbornly high. Additionally, some companies are still planning layoffs, and you never know when you might lose your job. Unemployment benefits have been extended a few times in an effort to help those who are unable to find work. [...]Do You Qualify for Unemployment Benefits? from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/qualify-unemployment-benefits.html http://www.bargaineering.com/articles/qualify-unemployment-benefits.html Bargaineering 2012-05-16T12:14:12-05:00 A new survey takes a look at the critical state of today’s recent college graduates. The survey questioned a nationally-representative sample of 444 recent college graduates between the ages of 22 and 29, about their employment situation and experiences. The questions also lightly touched upon these graduates’ financial condition. I’ve included a link to the [...]The College Education Bubble and Crash is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/the-college-education-bubble-and-crash/ http://www.consumerismcommentary.com/the-college-education-bubble-and-crash/ Consumerism Commentary 2012-05-16T11:28:04-05:00 This is a post from staff writer Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool’s Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks. One of my jobs at The Motley Fool is to serve as the [...] ... http://www.getrichslowly.org/blog/2012/05/16/when-a-woman%E2%80%99s-work-is-done/ http://www.getrichslowly.org/blog/2012/05/16/when-a-woman%E2%80%99s-work-is-done/ Get Rich Slowly 2012-05-16T08:00:07-05:00 When you hear about billionaire Warren Buffett paying a lower effective tax rate than his secretary, you’re hearing long term capital gains at work. The tax code smiles favorably on investment and the tax rate on capital gains of assets held for more than one year is much lower than ordinary income tax rates. If [...]How Capital Gains Taxes Work from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/capital-gains-taxes-work.html http://www.bargaineering.com/articles/capital-gains-taxes-work.html Bargaineering 2012-05-16T07:19:29-05:00 The amount of collective student loan debt in America has surpassed $1 Trillion but to bring it closer to home, Finaid says that the rate of college tuition inflation is normally twice that of the regular inflation rate. That means that the cost of college will rise an average of 6% every year. Add to [...]Best 529 Plans from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/529-plans.html http://www.bargaineering.com/articles/529-plans.html Bargaineering 2012-05-15T14:15:26-05:00 I recently came across a coworker who was burning the midnight oil. I thought that I was the only one who had to work late that night. When I asked him what he was doing, he told me that he did not have an internet connection at home, so he was using our work internet [...] ... http://www.fivecentnickel.com/2012/05/15/being-too-frugal-can-end-up-costing-you-money/ http://www.fivecentnickel.com/2012/05/15/being-too-frugal-can-end-up-costing-you-money/ Five Cent Nickel 2012-05-15T13:27:11-05:00 For many families, the recession still hasn’t ended. While “technically” the Great Recession has been over for years, practically speaking many families are still feeling the pinch. As a result, some are getting creative about the side businesses they are ready to start, as well as how they bring money into the family. In some [...]Should Your Kids Contribute to Your Family’s Financial Stability? from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/kids-contribute-familys-financial-stability.html http://www.bargaineering.com/articles/kids-contribute-familys-financial-stability.html Bargaineering 2012-05-15T12:08:57-05:00 We live in an era of cheap, disposable goods. My closet full of clothing, much of it rarely worn, even though I sort through my wardrobe about once a year to eliminate items I no longer need, is a good indicator of this situation. For a good period when I was a kid, I wore [...]Repair Cafe: Bring Your Broken Doodads and Gadgets is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/repair-cafe/ http://www.consumerismcommentary.com/repair-cafe/ Consumerism Commentary 2012-05-15T10:23:19-05:00 Ryan at CashMoneyLife sent me press release in which TradeKing and Zecco announced a merger. I’ve long been a fan of TradeKing. Zecco… not so much. I have nothing against Zecco because I’ve never used them but their history of changing their fee structure has been a little disconcerting. In the beginning, they offered free [...]TradeKing & Zecco Merging from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/tradeking-zecco-merging.html http://www.bargaineering.com/articles/tradeking-zecco-merging.html Bargaineering 2012-05-15T10:23:18-05:00 This post is by staff writer Sarah Gilbert. Your friends may be marketing to you. I know: I’m taking the internet-shocking tactic I hate seeing elsewhere, but if I didn’t have evidence in my very inbox from (as I’m writing this post) three minutes ago, not to mention The New York Times and other well-regarded [...] ... http://www.getrichslowly.org/blog/2012/05/15/your-friends-marketing-to-you/ http://www.getrichslowly.org/blog/2012/05/15/your-friends-marketing-to-you/ Get Rich Slowly 2012-05-15T08:00:55-05:00 Citizens Bank is the latest bank to reach a settlement for overdraft fees, a wave of settlements that started sometime last year. The Bank of America settlement and Fifth Third Bank settlement had previously been covered here. Citizens Bank, along with many other banks, was accused of reordering customers’ transactions in order to maximize overdraft [...]Citizens Bank Overdraft Fee Settlement from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/citizens-bank-overdraft-fee-settlement.html http://www.bargaineering.com/articles/citizens-bank-overdraft-fee-settlement.html Bargaineering 2012-05-15T07:10:50-05:00 As somebody who is in the financial advising field, I’m getting a little tired of hearing that all financial advisers are duping their clients out of a lot of money but what I’m far more tired of is the fact that in way too many cases, it’s true. You may have heard about the Goldman [...]Are Financial Advisers Failing the 99%? from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/financial-advisers-failing-99.html http://www.bargaineering.com/articles/financial-advisers-failing-99.html Bargaineering 2012-05-14T14:10:17-05:00 I’ve suggested in the past that you should think twice before writing a check to a complete stranger. After all, your checks contain both your account number and your banks routing number — exactly what someone would need to help themselves to your money. This is especially troubling given the ease with which checks can be [...] ... http://www.fivecentnickel.com/2012/05/14/check-fraud-use-a-shredder-and-hope-everyone-else-does-too/ http://www.fivecentnickel.com/2012/05/14/check-fraud-use-a-shredder-and-hope-everyone-else-does-too/ Five Cent Nickel 2012-05-14T12:36:38-05:00 In recent months, there has been a lot of discussion about prepaid debit cards. From the introduction of Suze Orman’s prepaid debit card, to suggestions that you don’t need a bank account if you have a prepaid card, to a general push by issuers to encourage parents to use prepaid debit cards as learning tools, [...]Is Prepaid Debit a Good Idea? from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/prepaid-debit-good-idea.html http://www.bargaineering.com/articles/prepaid-debit-good-idea.html Bargaineering 2012-05-14T12:10:07-05:00 In April, LIMRA, a think-tank for the financial industry, completed a survey intended to focus on the savings and investment preferences of those living and working in the United States. After receiving responses from 2,697 Americans, a representative sample of the country, LIMRA was able to determine that 49 percent of the country is not [...]Half of All Americans Are Not Saving for Retirement is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/half-of-all-americans-are-not-saving-for-retirement/ http://www.consumerismcommentary.com/half-of-all-americans-are-not-saving-for-retirement/ Consumerism Commentary 2012-05-14T10:09:53-05:00 More than anything else, I love reading trivia and “how things work” because it gives me a little behind the scenes glimpse at stuff most people don’t see. When it comes to personal finance, there isn’t really much trivia floating around unless it has to do with our money. There’s just something mysterious about our [...]How Serial Numbers on US Money Works from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/series-numbers-money-works.html http://www.bargaineering.com/articles/series-numbers-money-works.html Bargaineering 2012-05-14T07:15:53-05:00 Last week, I was complaining to my Spanish tutor (who, by the way, thinks I always complain). “Ideally, I’d be writing less,” I told her. “I want to have more time to learn Spanish and to focus on other passions. But I just got an offer to write a couple more articles per week. And [...] ... http://www.getrichslowly.org/blog/2012/05/14/trading-time-for-money/ http://www.getrichslowly.org/blog/2012/05/14/trading-time-for-money/ Get Rich Slowly 2012-05-14T07:00:13-05:00 Today on the Consumerism Commentary Podcast, Jay Frosting and Luke Landes talk with Tavis Smiley, host of Tavis Smiley on PBS. With Dr. Cornel West, Tavis Smiley is the co-author of The Rich and the Rest of Us: A Poverty Manifesto. The interview in today’s podcast was scheduled to include Cornel West as well, but [...]Podcast 160: The Rich and the Rest of Us is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/podcast-160-the-rich-and-the-rest-of-us/ http://www.consumerismcommentary.com/podcast-160-the-rich-and-the-rest-of-us/ Consumerism Commentary 2012-05-13T14:00:08-05:00 This guest post from Joel Berry is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. Want submit your own reader story? Here’s how. [...] ... http://www.getrichslowly.org/blog/2012/05/13/reader-story-saying-good-bye-to-a-16-year-old-car/ http://www.getrichslowly.org/blog/2012/05/13/reader-story-saying-good-bye-to-a-16-year-old-car/ Get Rich Slowly 2012-05-13T07:00:55-05:00 It’s never too early to look ahead to next year. With that in mind, I wanted to highlight the 2013 HSA contribution limits. As many of you know, we’ve been using our health savings account as an additional retirement investment vehicle. That is, we’ve been contributing to it and saving up the documentation related to [...] ... http://www.fivecentnickel.com/2012/05/11/hsa-contribution-limits-for-2013/ http://www.fivecentnickel.com/2012/05/11/hsa-contribution-limits-for-2013/ Five Cent Nickel 2012-05-11T16:56:50-05:00 I’m a little over thirty years old and only recently have I realized something about myself – I like to figure things out. I like to find things that I’m “not good at” and change it. Three years ago, I took up the infuriating sport of golf because it was something I knew I wasn’t [...]Roundup: So… I’ve Been Running from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/roundup-running.html http://www.bargaineering.com/articles/roundup-running.html Bargaineering 2012-05-11T12:05:46-05:00 Tavis Smiley and Dr. Cornel West have been working hard to bring the issue of poverty into the consciousness of the citizens and political discourse of the United States. As a team, Smiley and West have been touring city to city, speaking to audiences concerned about the increasing wealth gap in this country. Their book, [...]Tavis Smiley: Poverty is a Threat to Democracy is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/tavis-smiley-poverty-democracy/ http://www.consumerismcommentary.com/tavis-smiley-poverty-democracy/ Consumerism Commentary 2012-05-11T11:02:14-05:00 Now that we’re a couple weeks removed from tax day, with most folks having received their tax refunds, the most logical Your Take would be – what are you doing with your tax refund? Is it something good and responsible? Or something fun? Or a little of both? I haven’t gotten a tax refund in [...]Your Take: What Are You Doing With Your Tax Refund? from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/what-did-you-do-with-tax-refund.html http://www.bargaineering.com/articles/what-did-you-do-with-tax-refund.html Bargaineering 2012-05-11T07:15:34-05:00 When we’re young, we think we know it all. We make decisions — financial and otherwise — based on what little we know of the world, and these decisions are colored by a relentless optimism that comes from not having to deal with the harsh realities of the world. Realities like the high cost of [...] ... http://www.getrichslowly.org/blog/2012/05/11/ask-the-readers-what-do-you-wish-youd-learned-about-money/ http://www.getrichslowly.org/blog/2012/05/11/ask-the-readers-what-do-you-wish-youd-learned-about-money/ Get Rich Slowly 2012-05-11T07:00:41-05:00 It’s the weekend again and if you didn’t read my last post on low or no cost weekend activities, read it here. All of us work hard during the week. The majority of us reach Friday and feel like we deserve a fun, relaxing few days to unwind but we live in an economy where [...]How to Make Costly Weekend Activities More Affordable from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/costly-weekend-activities-affordable.html http://www.bargaineering.com/articles/costly-weekend-activities-affordable.html Bargaineering 2012-05-10T14:15:28-05:00 I’ve talked a lot in the past about using long-term CDs to improve your short-term savings yields. In particular, I’ve talked about using five year CDs from Ally thanks to their low early withdrawal penalty. Until now, however, much of that strategy was theoretical. Yes, I had bought the five year CDs to hold some of [...] ... http://www.fivecentnickel.com/2012/05/10/how-to-close-an-ally-cd-early/ http://www.fivecentnickel.com/2012/05/10/how-to-close-an-ally-cd-early/ Five Cent Nickel 2012-05-10T13:12:55-05:00 ING Direct was once far ahead of the pack in terms of banking innovation, offering a high yield savings account and pretty much scaring people with how good their rates were. The online service was fantastic, since that’s all you had in terms of interface with the bank, and it was amazing how quickly you [...]ING Direct Offers Remote Check Depositing from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/ing-direct-offers-remote-check-depositing.html http://www.bargaineering.com/articles/ing-direct-offers-remote-check-depositing.html Bargaineering 2012-05-10T12:14:23-05:00 As the weather grows warmer, many people start thinking about unloading those assorted, needless items they’ve accumulated over the last year by holding a garage sale. How many wicker baskets and bud vases does one family need, after all? Most garage sales fail to produce the windfall the proprietors are seeking however, because they just wing [...] ... http://www.fivecentnickel.com/2012/05/10/seven-ways-to-make-big-bucks-at-your-garage-sale/ http://www.fivecentnickel.com/2012/05/10/seven-ways-to-make-big-bucks-at-your-garage-sale/ Five Cent Nickel 2012-05-10T11:30:36-05:00 This post is from staff writer Tim Sullivan. We all have our ways of destressing after a long day. One of my weirdest and most beloved post-work, take-a-load-off strategies has always been cruising the aisles of gourmet grocery stores just to look at packaging. Give me an aisle of fancily bottled extra virgin olive oil, [...] ... http://www.getrichslowly.org/blog/2012/05/10/classifying-wants-and-needs/ http://www.getrichslowly.org/blog/2012/05/10/classifying-wants-and-needs/ Get Rich Slowly 2012-05-10T08:00:55-05:00 Last month, I received the news that Aurora Bank deposits would be assumed by New York Community Bank. Aurora Bank is yet another online bank that increased its marketing efforts leading up to a sale. For a while, Aurora Bank was a branch of Lehman Brothers, and part of that company’s bankruptcy proceedings required the [...]New York Community Bank Adding Fees For Former Aurora Customers is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/new-york-community-bank-adding-fees-for-former-aurora-customers/ http://www.consumerismcommentary.com/new-york-community-bank-adding-fees-for-former-aurora-customers/ Consumerism Commentary 2012-05-10T08:00:21-05:00 I’ve said on numerous occasions that personal finance and fitness share a lot of similarities. Watching what you eat isn’t that much different than watching what you spend, responsible caloric intake and responsible spending are quite similar, and lessons from one apply quite well to the other. Wealth Watchers: A Simple Program to Help You [...]Review: Wealth Watchers by Alice Wood from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/review-wealth-watchers-alice-wood.html http://www.bargaineering.com/articles/review-wealth-watchers-alice-wood.html Bargaineering 2012-05-10T07:15:23-05:00 There’s a better than average change that you won’t spending your entire adult life working for the same company. Although the BLS wants us to know that the average worker holding seven careers in a lifetime is a myth, it’s possible and even probable that you won’t work for the same company forever and because [...]How to Consolidate Your 401(k)s in to an IRA from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/consolidate-401ks-ira.html http://www.bargaineering.com/articles/consolidate-401ks-ira.html Bargaineering 2012-05-09T14:10:20-05:00 Credit cards are the prevalent form of payment in our country. However, in spite of their convenience, there are some drawbacks to credit cards. While some contend that credit cards are pure evil, the truth is that they are tools. Whether or not they are tools that are likely to work for you depends on [...]Pros and Cons of Credit Cards from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/pros-cons-credit-cards-2.html http://www.bargaineering.com/articles/pros-cons-credit-cards-2.html Bargaineering 2012-05-09T12:10:57-05:00 There is a perception among many families that private elementary and high schools are worth the costs of tuition even though public school is comparatively free to attend (not including taxes and bake sales). That’s a debate that will never end. Parents, who always want what’s best for their children, will take advantage of every [...]Wealthy Families Apply for Private School Financial Aid is a post from: Consumerism Commentary ... http://www.consumerismcommentary.com/wealthy-families-apply-for-private-school-financial-aid/ http://www.consumerismcommentary.com/wealthy-families-apply-for-private-school-financial-aid/ Consumerism Commentary 2012-05-09T11:03:53-05:00 This post is from GRS staff writer Donna Freedman. Donna writes the Frugal Cool blog for MSN Money, and writes about frugality and intentional living at Surviving And Thriving. On my way to the 2011 Financial Blogger Conference last year I encountered three young men who’d made a non-traditional career choice: mugging tired-looking, middle-aged women [...] ... http://www.getrichslowly.org/blog/2012/05/09/how-to-do-a-wallet-audit/ http://www.getrichslowly.org/blog/2012/05/09/how-to-do-a-wallet-audit/ Get Rich Slowly 2012-05-09T08:00:34-05:00 What happens when you “misrepresent the health benefits and nutritional content” of your product? You get sued. And then you settle. That’s exactly what happened to All Market Inc, maker of Vita Coca Coconut Water. They recently settled a class action lawsuit (Fishbein v. All Market Inc. d/b/a Vita Coco) in which they were accused [...]Vita Coco Class Action Lawsuit Settlement from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/vita-coco-class-action-lawsuit-settlement.html http://www.bargaineering.com/articles/vita-coco-class-action-lawsuit-settlement.html Bargaineering 2012-05-09T07:10:12-05:00 Dave Ramsey is famous for claiming that he has a credit score of zero, by which he means he avoids credit all together. But is it actually possible to have a credit score of zero? According to FICO spokesman Barry Paperno, the answer is “no.” FICO credit scores range from 300-850, so the lowest possible score [...] ... http://www.fivecentnickel.com/2012/05/09/whats-the-lowest-possible-credit-score/ http://www.fivecentnickel.com/2012/05/09/whats-the-lowest-possible-credit-score/ Five Cent Nickel 2012-05-09T07:00:30-05:00 If you’re the mother or father of a high school student you’re probably wondering where the time has gone. It seems like only a few years ago they were getting on the bus for their first day of Kindergarten and now they’re going to prom. The time goes by fast but once the nostalgia of [...]Four Ways to Save Money at Prom from personal finance blog Bargaineering.com. ... http://www.bargaineering.com/articles/ways-save-money-prom.html http://www.bargaineering.com/articles/ways-save-money-prom.html Bargaineering 2012-05-08T14:10:32-05:00 It’s time for another bonus offer from Citi… This time it’s 25,000 bonus points from the Citi ThankYou Preferred card — enough for $250 in store gift cards through the ThankYou network. Here’s the deal… Simply apply for the card, get approved, and spend $2,000 within the first four months to get the bonus. There’s no [...] ... http://www.fivecentnickel.com/2012/05/08/250-signup-bonus-from-citi-thankyou-preferred/ http://www.fivecentnickel.com/2012/05/08/250-signup-bonus-from-citi-thankyou-preferred/ Five Cent Nickel 2012-05-08T14:00:28-05:00