Adios, Overdraft Fees! (Well, Kinda)

Ever have $ 24.82 in your account and you write a check for $25.00?  Yes, the proverbial writing checks your …bank account… can’t cash.  That was me in college.  Not on purpose of course!  I was usually just hoping/wishing/praying that my paycheck would beat the check I had just written to the bank.  That didn’t work [...]

Happy Birthday Social (In)Security

Last week marked the 75th birthday of legislation creating Social Security.  While politicians traded barbs back and forth on how the other political party has ruined it, Social Security remains in dire straits.  The reality of a program designed to provide a supplement to retirement income has morphed into a belief that social security in itself will fund [...]

This Week in Washington: July 19, 2010

The White House: President Obama used his weekly address to go after Congressional Republicans preventing the passage of unemployment benefits for the jobless.  This week, President Obama will sign Wall $treet Reform legislation into law. The U.S. Senate:   After swearing in new West Virginia Senator Carte Goodwin (D-WV), the Senate is likely to vote on [...]

New Rules to Protect Consumers from Credit Card Companies!

Yesterday, the Federal Reserve Board issued new rules to protect consumers against credit card company practices. Issued on June 15th, the following rules effect August 22, 2010 Prohibits credit card issuers from charging a penalty fee of more than $25 for paying late or otherwise violating the account’s terms unless the consumer has engaged in [...]

Student Loans Haunt You, Even in Bankruptcy

I think I will amend the old phrase that, “nothing is certain but death and taxes” to include student loan repayment. The New York Times reports: If you run up big credit card bills buying a new home theater system and can’t pay it off after a few years, bankruptcy judges can get rid of [...]

Black Women….Not Enough

Not Enough Net Worth:   Apparently, a recent report “a leading economic research group,” social scientists are looking focusing on the financial plight facing African American women.  According to an article written by Tim Grant in The Post-Gazette: Women of all races bring home less income and own fewer assets, on average, than men of the [...]

Get Thee Behind Me!: Financial Vices

Financial vices keep us from saving money.  I have several.  I love a nice bag, a pair of killer heels, and watching the sun come up in a different area code.  The wardrobe has got to be right (and in the right size given a little weight gain).  That doesn’t even begin to address my [...]

Student Loans Holding You Down?

For me, student loans weren’t a question of if, it was a necessary evil to pursue a college education.  I applied for every scholarship and grant known to man and still came up short.  My mom had done everything up to that point to prepare me to be “the first one in the family to [...]

Save Some Money

Perhaps you missed the press release, but February 21-28, 2010 is America Saves Week.  As did I, you may ask yourself, what’s this and why should I care?  For me, it only took one glance at my not-so-much savings account for me to want more information.  I work best saving money when I don’t know [...]

The Cost of Being Single and Childfree

It’s apparently more cost efficient to be married than it is to be single. Well, perhaps not in all cases, but there does seem to be benefits that are pretty good and, so far, largely unattainable for single people. Though many have delved into the financial pros and cons of being married versus single, few [...]

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