USDA Home Loan Program – The 0% Down Bonanza You’ve Never Heard About

The USDA loan program is offering, and has been for years, home loans at incredible terms even following the housing collapse, under the edict of rural lending (farm loans) given the challenges faced in finding a mortgage loan or deriving high income in sparsely populated areas.  The surprise is – many of the zip codes […]

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Review: Flex CD Offers High Yield if the Dollar Tanks Against BRIC Currencies

The Flex CD (MarketSafe BRIC) offered by Everbank is a unique financial innovation for this low interest rate environment with an ever weakening US Dollar in terms of foreign currencies.  Everbank offers a flex CD they refer to as the BRIC MarketSafe CD.  Basically, if the US Dollar strengthens against the currencies of the BRIC […]

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Energy Saving Tips from the Dept of Energy – Pretty Darn Good!

When I was contemplating the steps we’re taking this year to save money on our energy bills, I thought this would be a quick post on top energy savings tips with high ROI.  However, in checking out some other sources, I came across a wealth of information that I couldn’t help but share as well.  […]

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Weekend Reading – “Gold: OK, We’ve Reached Ludicrous Speed” Edition

Any time I can sprinkle in a Spaceballs reference, I take full advantage of the opportunity.  With gold continuing its ascent to record levels (in terms of US Dollar mind you), gold bugs are basking in their glory while others scratch their heads and wonder why this relatively useless material continues to appreciate in value. […]

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Abysmal Survey Results: Americans Don’t Understand Basic Financial Concepts

A recent financial literacy survey conducted by Financial Finesse, a finance eduction outfit, revealed some pretty alarming results – downright abysmal in fact.  It revealed what most of us probably suspected, but with specific numbers tied to it, the prospects don’t look good with regard to the financial literacy of everyday Americans.  According to the […]

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2009 Stock Market Returns YTD from Around the World – Shocking!

This emerging markets ETF list is illuminating in that while many of these same ETFs were the worst performers of 2008, they are now the strongest performers of 2009, especially compared to developed nation stock markets.  While historical stock market returns are no guarantee of future results, it is instructive to evaluate which stock markets […]

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Why Do People Pay More Money for the Top of the Line Model? Incremental Value Analysis

Incremental value analysis confronts us all in everyday expenses from sales at the lunch line at work to replacing routine household items that your wife destroys. The other day, my wife broke the glass coffee carafe for the last time.  I said, “I’m sick of you and the kids breaking these damn things, let’s just […]

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Today’s Financial Priority: Get a Free Credit Score from myFICO

Routinely checking both your credit score and your credit report is increasingly important these days. Between identify theft and more rigorous credit assessments for everything from AT&T demanding a larger security deposit for high credit risks to what rate you’ll pay for a car loan, if you’re not checking both of these routinely, you’re incurring […]

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The Truth About Rewards Credit Cards – But, Is it Really True?

There was an interesting article going around the Personal Finance circles yesterday about this ABCNews segment entitled “The Truth About Credit Card Reward Programs” and it concluded that people that utilize credit card rewards programs are irresponsible with their cards via the following statement verbatim (I bolded): “First, studies have shown that credit card users […]

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