How to Decide Which College to Attend

How to Pick a College

One of the bigger decisions you will make, if you decide to attend college, is which school to go to. Which college you attend can impact your future earnings, as well as play a role in how much student loan debt you end up with upon graduation. It also contributes to the kind of experiences [...]

When Personal Finance Software Might Not Be a Good Thing

Managing Your Money with Personal Finance Software

Software and technology have changed the way people function in many areas of life which includes personal finance. People manage their money on the go using iPhone apps with products from Mint.com, Bank of America, Capital One 360 and many others. Information is available near real-time when you want to look at your checking account balance, or [...]

Thank You for Everything You Do: Comment for a Chance to Win a $50 Amex Gift Card

$50 Thank you card

Administrative Professionals Week is April 24-30. I don’t have an admin, but if I did, I’d totally hook he/she up this week. Scouts honor. To celebrate support staff for all of their hard work, American Express has created a Recognize and Reward Sweepstakes at ForEverythingYouDo.com, where professionals can recognize a standout administrative professional, colleague or [...]

How to Prepare Your Wallet for a Disaster

Japan Tsunami - Support Effort

Austin, who occasionally writes here at PT Money, is in his 2nd year of teaching English in western Japan. With the Japan Tsunami fresh on his mind, he generously offered to write a couple of pieces on preparing for major disasters. You can check out his personal finance site for 20-somethings at Foreigner’s Finances. I [...]

PTM 015 – Self Publishing Amazon Kindle Books with Jay Herring, Author of The Truth About Cruise Ships

The Truth About Cruise Ships - Self Publish on Kindle

In today’s episode, I talk with friend and author, Jay Herring. Jay is the author of the The Truth About Cruise Ships (available for $9.95 on the Kindle). From one of the reviews: “this book makes for the perfect reference for anyone entering the cruise industry or even passengers who are interested in the other [...]

Debt Dilemma: Mortgage Payment or Credit Card Payment?

Should I Pay Mortgage or Credit Card

The recent economic climate has created a tough decision for many people with financial obligations. Many homeowners also have credit card debt. When times are tough and the budget is stretched thin, sometimes it seems as though you need to make a choice between making a mortgage payment or making your credit card payments. When [...]

Best Ways to Save for Retirement After You’ve Maxed Out Your Roth IRA (No 401K)

Best Ways to Save for Retirement

About half of us here in the U.S. don’t have access to a 401K. That’s a shame too because the 401K, with matching contribution, is one of the best ways to save for retirement. Many people, therefore, turn to the Roth IRA to save for retirement. Good move, too! But there is a maximum limit [...]

Nearly Half Don’t Pay an Income Tax

How do you get 10,000 comments on just one article? You write about the fact that nearly have the people filing tax returns in the U.S. don’t have to pay federal income tax. I didn’t write about this, but someone from AP did and it was picked up by Yahoo!. The comments are interesting and [...]

Going from Individual to Group Health Insurance

Every day, many people go from an individual health insurance plan to a group plan. That’s a good direction to be going, right? Most people worry (with good reason) about the opposite move: group to individual. I did this once, back when I quit my corporate job, and I can tell you that it’s not [...]

Firstrade Review – Online Discount Broker

Firstrade

Founded in 1985, Firstrade is a privately owned discount stock broker located in Flushing, NY. The company was originally named First Flushing Securities, serving the local community and wasn’t renamed to Firstrade until 1997. A few revamps later, with the last one being just a few months ago, you now have the new and improved [...]

$50 Bonus on Capital One 360 Checking Accounts

Capital One 360 Checking 2

Capital One 360 is in the business of helping people save money; in your case, they want to help you make more money just by opening up a checking account. I personally bank with Capital One 360, and I use their 360 checking account as my primary checking account. Think having an online checking account [...]

My Failed Attempt to Understand Dollar Cost Averaging

What is Dollar Cost Averaging

Are you into dollar cost averaging? Chances are you may already be doing it. Especially if you contribute regularly to a retirement account at your workplace. In this post I’ll attempt to tackle this basic tenant of investing. I’m not a pro at this material, but I’ve researched it and hopefully I can give you [...]