SpendWize – Guide to Wiser Consumer Decisions

There are three general ways that an individual can go about managing their bookkeeping. In each category there are numerous ways to go about each method, some of which will be discussed here. Additionally, each method has its own pros and cons, which will also be discussed. (more…)

Books are a great way to entertain yourself, expand your education, and even add to a hobby or collection. Unfortunately, books can be expensive. Whether you need to purchase books for school or for pleasure, you will want to try to find ways to save money. Fortunately, today’s world of technology allows many great ways to purchase books even if you are on a budget. The following are some of the most budget-friendly ways to purchase any type of book: (more…)

So, where does good marketing end and deception begin? Or do we need yet another piece of regulation to prevent banks from harming their own customers, this time calling it “protection”?

There has been a constant barrage of letters from banks I use asking me to opt into this program since after Financial Reform Bill of 2010 they can no longer simply charge you a $35 overdraft fee when you accidentally spend $2 more than you have in your account on a cup of coffee. You now have to specifically allow your bank to rob you and the bank would prefer to call it “protection”. Well, “overdraft protection” sounds a whole lot better than “robbing authorization”, doesn’t it? Some of these ads (umm.. sorry, opt-in letters, that’s what they call them) are outright disgusting. Read further for examples (more…)