The Art of Asking for a Discount

Personal Finance

The Art of Asking for a Discount

The Art of Asking for a Discount

In January, This American Life aired a segment in which reporter Ben Calhoun went to a few stores and tried asking for a “good guy discount” at the register. Here’s how Calhoun explained it: A friend of his named Sonari Glinton was interviewing a negotiations expert from Columbia University Business School who described a technique where you... Read More

Could Not Paying a Debt Land You in Jail?

Managing Debt

Could Not Paying a Debt Land You in Jail?

Could Not Paying a Debt Land You in Jail?

After allegedly cashing the same checks more than once (by phone and in person), four Georgia football players were recently charged with theft by deception. It’s a crime that can result in fines or even jail time, depending on state law and the severity of the offense. Some debt collectors are using the threat of... Read More

What a Mortgage Calculator Won’t Tell You

Mortgages

What a Mortgage Calculator Won’t Tell You

What a Mortgage Calculator Won’t Tell You

If you’re thinking about buying a home, you’ve probably used — or at least heard of — a mortgage calculator. These nifty tools can help you figure out the price range of homes you may be able to afford and estimate your monthly mortgage payment. With an event as big as buying a home, it’s... Read More

How to Talk Retirement With Your Spouse

Personal Finance

How to Talk Retirement With Your Spouse

How to Talk Retirement With Your Spouse

Imagining retirement, like dreaming of vacation or if you win the lottery, can be fun. But what if you and your spouse are picturing very different things? Getting on the same page with your significant other early on can help you to plan a successful retirement. Talk About Goals You and your husband/wife/partner don’t have... Read More

When Health Insurance Doesn’t Save You Much Money

Managing Debt

When Health Insurance Doesn’t Save You Much Money

When Health Insurance Doesn’t Save You Much Money

Q: How much does gallbladder surgery cost? A: Anywhere from $5,865 to $94,897. Here’s another one: How can a person with good insurance wind up paying $6,104.64 for gallbladder surgery? Well, it’s not hard. We set out on this quest after hearing from Justin Evans, of Bonney Lake, Wash., who has pretty good employer-sponsored insurance,... Read More

An Indefensible Defense of Student Loans

Students

An Indefensible Defense of Student Loans

An Indefensible Defense of Student Loans

James Runcie, the Federal Student Aid office’s chief operating officer, appeared before the U.S. Senate’s Education Committee where he was grilled on the manner in which the FSA is monitoring the performances of the Department of Education’s subcontracted student-loan servicers. Two interesting points caught my attention. The first pertains to the key metrics the department uses... Read More

4 Money Challenges Military Members Face

Managing Debt

4 Money Challenges Military Members Face

4 Money Challenges Military Members Face

For members of the U.S. military — whether they are active-duty enlisted, Guard or Reserve — there is a common theme for many: low pay and high debt. These same soldiers find themselves on military bases surrounded by many offers to finally buy things they’ve always wanted, but could never afford. Some soldiers simply want... Read More

20 Signs You’re Buying a Home in a Great Neighborhood

Mortgages

20 Signs You’re Buying a Home in a Great Neighborhood

20 Signs You’re Buying a Home in a Great Neighborhood

A great neighborhood sells a home, real estate agents say. It also helps your home hold value and makes it easy to sell when you decide to move on. With all the pressure and excitement of home shopping, how can you know if a neighborhood is truly great? 1. It Meets Your Specs Make a... Read More

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