Everyone else is just trying to figure out how to separate you from it.
I’ve read a lot of stuff lately about how scammers take advantage of other people. (Here, for example, is a brief summary of seven psychological tricks con artist use.) It’s easy to think that those who lose their money are just unfortunate suckers. That’s not always true. Often they’re folks just like me and you who get talked into thinking somebody else knows more than they do.
- Bing: Mortgage scams
On some level, the same thing happens all the time with bankers and brokers and real estate agents and even with friends and family. These folks may not be con artists, but we’ve all allowed these other people to tell us what we ought to do with our money. We let ourselves believe that they’re able to make better decisions about our financial situation than we are.
A tax credit will cover part or all of the cost if it's a 'street-legal' vehicle.
Time is running out to get your free golf cart. OK, a golf cart that’s “street-legal.” You have until Dec. 31 to take title of one to claim a tax credit for at least part of the purchase price.
- Bing: 2009 tax credits
Here’s how this works:
An industry analyst says it's the highest rate he's ever seen.
Here’s a credit card offer that should create some instant converts to Suze Orman’s new cash-only mantra: Subprime lender First Premier Bank is offering a credit card with a 79.9% interest rate.
A credit card analyst said it’s the highest rate he’s ever seen.
Dental clinics' Christmas Eve gift, plus a round-up of restaurant deals.
If all you want for Christmas is your two front teeth, or at least your two front teeth cleaned, Comfort Dental has the gift for you.
On Dec. 24, dental clinics in Missouri, Colorado, New Mexico, Ohio and Texas will provide free dental care to anyone who needs it from 7:30 to 11 a.m. All you have to do is show up, and care will be dispensed on a first-come, first-served basis. Whether you can get a procedure as complex as your missing two front teeth replaced will be up to the individual office.
The flow of restaurant freebies and deals seems to have dried up for the holidays. Perhaps the retailers think we’ll be receiving enough gifts from Santa.
Here is a recap of deals we’ve written about before that are still good:
Better deals often come to those who wait -- except in the case of last-minute Christmas shopping.
The average shopper still has more than half of his holiday shopping list left, according to the National Retail Federation. That’s not a major shift from previous years, but this year procrastinators might pay dearly for waiting.
Minnesota victim of foreclosure fraud says 'I just have to start over again.'
An 87-year-old woman who lost her home of 50 years to a foreclosure rescue scam has won a victory, of sorts: The state of Minnesota has agreed to give Telsche Paulson $116,972 from a state fund designed to compensate victims of unscrupulous real estate professionals.
But Paulson will never get back the duplex she and her late husband bought in 1958 and which she lost to scammers in 2008.
Frugality kept the dream alive. Now, frugality provides a little breathing room.
It's finished. I've spent the past four years on a dead run: full-time class load, dense and copious course readings, academic projects, long bus commutes, research papers, a two-month fellowship, an undergraduate research symposium and a thesis that morphed twice before finally taking shape.
Consider these important points and focus on the long term.
Recently a reader e-mailed me asking whether he should walk away from his mortgage. In 2007, he bought a condo with no money down with a five-year adjustable-rate mortgage, and the property is now worth $25,000 less than he owes. Although he can afford the mortgage, he is considering walking away. The question is whether he should.
I think there is no "answer" to this question, just things to consider in making the best choice for your situation. We'll talk about some things to consider, but first a brief story.
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