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One place you don't want to look rich: A car dealership.

By Karen Datko Sep 27, 2009 3:18AM

Shannon Christman isn't poor, but she is frugal, and sometimes other people confuse the two.


On occasion, salespeople have snubbed her -- and missed out on making a sale. Sometimes generous people offer help when it's not needed. Her thought-provoking post at Saving Advice should raise questions in any thinking person's mind about how quickly we make judgments about others. She also says, "The assumptions others make about my frugality -- usually that I have much less money than I actually do -- can be a benefit to me."

 

If you qualify, now might be a great time to refinance.

By Karen Datko Sep 27, 2009 2:53AM

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.

By Karen Datko Sep 27, 2009 2:40AM
This post comes from Jim Wang at partner blog Bargaineering.

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.

By Karen Datko Sep 27, 2009 2:28AM

"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.

By Karen Datko Sep 27, 2009 2:08AM

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.

By Karen Datko Sep 27, 2009 1:58AM

This post comes from Jim Wang at partner blog Bargaineering.


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.

By Karen Datko Sep 27, 2009 1:49AM

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.

By Karen Datko Sep 26, 2009 3:28AM

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.

 

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