If you qualify, now might be a great time to refinance.
A story at USA Today -- "Mortgage rates at 37-year low: Average 5.19% for 30 years" -- disrupted our partner blogger J.D. Roth's vacation reverie. All of a sudden, J.D., who's not an impulsive guy, is thinking about refinancing his home.
He checked Bankrate.com and found a low rate of 5.085%, which would reduce J.D.'s payments to $1,111 and save him $275 a month. But wait. It could get even better, he wrote in a post at Get Rich Slowly.
Simply tossing it could put you at risk of ID theft.
Do you know why credit cards have an expiration date? In the beginning, it was because a credit card had a limited useful lifespan. After a few years, the magnetic stripe on the back would either get demagnetized or damaged so much that it was unreadable.
It wasn't until later that the expiration date was used as a security feature. For many years, you could continue to use expired credit cards because the stripe was fine and the expiration date wasn't used for verification.
Customers who haven't had a rate increase in two years can look forward to one now.
"Brainy Smurf" was pretty well gloating when MoneyMateKate announced that Citibank is upping her credit card interest rate. "I kinda selfishly thought to myself, 'Wow, sucks to be her,'" he wrote at Pants in a Can.
Then he got his own letter from Citi. As of today, his APR is jumping from 9.96% to at least 16.99% (and 29.99% if a payment is late). What's up? He pays in full every month and he's never late. And didn't Citigroup just get a huge government bailout?
Want to upgrade? Prepare for a big bill.
This post comes from Mark Huffman at partner site ConsumerAffairs.com.
For many iPhone users, AT&T's attitude toward them seems to be, "What have you done for me lately?"
Consumers posting comments on the AT&T support forum are calling for an iPhone users revolt, with the aim of persuading the carrier -- for now the exclusive iPhone network -- to change its upgrade policy.
2010 census will put 1.4 million peope to work.
If you're out of work or looking to supplement your income, you might want to consider working for the U.S. Census Bureau to help conduct the 2010 census. According to CNNMoney, the 2010 census will put 1.4 million people to work and is projected to cost $14 billion.
If you want to make some extra cash and you have the time, you might want to get the ball rolling on securing a job with the Census Bureau.
Focus on your budget's fixed monthly costs.
This post comes from partner blog ConsumerAffairs.com.
When large corporations face tough times, they often hire "efficiency experts" who come in and tell them how to save money. Households, struggling under the strain of higher gasoline prices, could use the same kind of service right about now.
Playing the role of an efficiency expert, Consumer Reports magazine says it has looked for and found ways for the average consumer household to trim up to $500 a month from its budget. Even at $4 a gallon, that buys a lot of gas.
First Friday in June is the official day to celebrate the doughnut.
Around here we think of every day as doughnut day, but those with more self-restraint know the real thing comes the first Friday in June -- today, in fact.
The celebration was launched in 1938, in the depths of the Great Depression, as a Salvation Army fund-raiser honoring the volunteer “lassies” who served coffee and fresh doughnuts by the thousands to homesick soldiers in France during World War I.
Comedian overcame $3 million IRS debt.
Irreverent, hilarious, provocative and profane -- all were qualities of the great George Carlin, who died Sunday from heart failure. But who knew that Carlin was also a good source of financial advice?
What else would you expect from the comedian who so well understood our fascination with materialism, as demonstrated by his "A Place for My Stuff"? ("Bouncing Back" at Bouncing Back from Bankruptcy, one of many Carlin fans who mourned his passing online, provides a link to the "stuff" routine. Considering it's Carlin, the language is only slightly off-color.)
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