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How Important Is Your Credit Score, Really?

A lot has been written about the importance of your credit score, but how important is it really?

It all depends on what you’re doing in your life at any given time. For example, if you’re thinking of buying a home in the next few months, then your credit score is extremely important because it will [...]

In Defense Of Credit Cards.

Let me apologize up front for the brevity of this post… the flu has got me down, and I just don’t have it in me to be prolific.

But alas, I just came across a post by Len Penzo titled, No, I’m Not Cutting Up My Credit Cards! (Maybe You Shouldn’t Either.), that I had to [...]

Beware ezsver rw and the proflowers scam!

I can’t believe it and I’m a bit embarrassed to admit it, but I was scammed. I used Proflowers.com recently to send flowers to my wife (our anniversary) and my mother (her birthday) and thought I got a great deal. The flowers were beautiful, and they seemed to last forever. It wasn’t until two months [...]

Why 401(k) Retirement Plans Really Don’t Work, and How to Fix Them

I originally wrote this article back in January for the Saving Advice Blog, but I’ve seen a lot of chatter recently about it again – including this issue of Time magazine – and I feel very strongly about protecting individual retirement savings from the government, so I thought I’d go on the record here [...]