Posts for 20SomethingFinance.com


An Early Look at the 2012 Chase Freedom 5% Cash Back Bonus Category Calendar

From 20SomethingFinance.com
December 13, 2011 at 9:39 am
I’ve been anxiously awaiting the release of the 2012 Chase Freedom bonus calendar so that I can figure out my credit card strategy for 2012. If you’re not sure what ... (more)

Wants vs. Needs: How to Turn Grey Into Black & White

From 20SomethingFinance.com
December 12, 2011 at 8:58 am
At their simplest, expenses really fall into two different categories: 1. What you need: the things that you need to survive and function effectively in society: food, heat/electricity, ... (more)

How to Reach Health Insurance Nirvana with your Employer’s HDHP & HSA

From 20SomethingFinance.com
December 8, 2011 at 9:32 am
Health Care Cost Nirvana If you’ve made the move to a HDHP, paired with an HSA that is sponsored by your employer, there is a health insurance “sweet spot” that ... (more)

The Best Cash Back Reward Card for Groceries: 6% Cash Back?!

From 20SomethingFinance.com
December 6, 2011 at 9:11 pm
I’m starting to think a lot more categorically about how I use my credit cards in order to max out on cash back rewards for every type of purchase I make. After looking at ... (more)

Don’t Forget Aboot Us: 89% of Canadians Feel Overworked too

From 20SomethingFinance.com
December 5, 2011 at 9:00 am
<I hope you caught the misspelling there.> Last October, I made the case that Americans are the most overworked citizens of any developed nation. Some may have you believe ... (more)

What is a Health Savings Account (HSA)?

From 20SomethingFinance.com
December 1, 2011 at 8:42 am
I recently moved from a traditional PPO health insurance plan to a high deductible health plan (HDHP) in this year’s open enrollment period. Why? I’m young, healthy, ... (more)

Facebook Stock IPO: Should you Buy it?

From 20SomethingFinance.com
November 29, 2011 at 10:28 pm
The Wall Street Journal cited unnamed sources today who proclaim that Facebook is moving closer to an IPO early next year. Could this be one of those once in a generation type ... (more)

25 Awful Things that Still Beat Shopping on Black Friday

From 20SomethingFinance.com
November 28, 2011 at 10:06 am
Black Friday is a marketing gimmick to get consumers out to the store to spend their hard-earned cash on a bunch of shit that they and their loved ones don’t need. It’s ... (more)

Free Online Checking Cash Bonuses for Everbank & Ing Direct End Sunday & Wednesday

From 20SomethingFinance.com
November 26, 2011 at 7:16 pm
Two of my top five picks for the best free online checking accounts, Everbank and Ing Direct, have cash bonus promotions that end this week. My other top picks, PerkStreet, Ally ... (more)

The Cheapest College Towns to Live in & why you Should Consider Moving to One

From 20SomethingFinance.com
November 23, 2011 at 10:17 am
Having lived in two college towns (one as a student and one currently for employment), I can attest that they are great places to take up residence. If I had to sum up in one word ... (more)

What Should Our Government do when it Impacts your Bottom Line? (reader poll)

From 20SomethingFinance.com
November 22, 2011 at 9:10 am
The Public Religion Research Institute conducted an American values survey recently – a random phone survey of over 1,500 Americans – that tested their views on the ... (more)

What is a High Deductible Health Plan (HDHP)?

From 20SomethingFinance.com
November 21, 2011 at 8:52 am
A few weeks back, I mentioned that I had moved to a new high deductible health plan (HDHP) that my employer started offering during open enrollment. I have had a few questions ... (more)

Social Media Profiles May be Preventing you From Getting Hired

From 20SomethingFinance.com
November 16, 2011 at 9:22 am
A recent survey of 300 professionals involved in the hiring process indicated that 91% of them have used social media profiles to screen job applicants. Amongst the three major ... (more)

What are your Best Customer Service Tips for Today’s Demanding Marketplace?

From 20SomethingFinance.com
November 15, 2011 at 8:58 am
Technology has Raised the Bar for Customer Service Customer service models are changing constantly with the evolution of technology. Just think, 10 years ago there was no Twitter, ... (more)

The Age Wealth Gap is Getting Bigger & Our Net Worth Sucks. Here’s how we Fix it.

From 20SomethingFinance.com
November 14, 2011 at 8:55 am
I still am not entirely sure what Occupy wants yet, but research released this past week by the Pew Research Center may be central to why they are sitting in the streets in the ... (more)

6 Open Enrollment Season Must-Do’s

From 20SomethingFinance.com
November 9, 2011 at 9:32 am
What is Open Enrollment? November is open enrollment season (a.k.a. “annual enrollment” or simply “open season”) – an important time of the year for ... (more)

10 Ninja Tips to Slash the Cost of Dining Out at Restaurants

From 20SomethingFinance.com
November 8, 2011 at 9:15 am
This should not be news to you: dining out at restaurants is expensive. I’ve determined that the average cost of restaurant meals when dining out is about 3X what I pay for ... (more)

Will you Qualify for the Saver’s Tax Credit in 2011 or 2012?

From 20SomethingFinance.com
November 5, 2011 at 10:28 am
What is the Saver’s Credit? The Saver’s Credit (officially dubbed the ‘retirement savings contribution credit‘) is a lesser known, highly advantageous tax ... (more)

Big Banks Abandon Debit Card Fees: Score Another Win for Consumers!

From 20SomethingFinance.com
November 3, 2011 at 7:55 am
In response to heavy consumer and media backlash, the big banks have retreated on their plans to add debit card fees. Win! Bank of America, the second largest bank in the U.S., ... (more)

Wedding Insurance: Do you Need it?

From 20SomethingFinance.com
November 2, 2011 at 7:52 am
I’ve started hearing about wedding insurance more and more lately and have had a few readers ask me questions about it. I honestly did not know it existed until recently. ... (more)

Everbank Free Checking & Debit Offers $60 Cash Reward Promotion

From 20SomethingFinance.com
November 1, 2011 at 8:03 am
The trend of big banks starting to charge for checking accounts and debit cards infuriated me, so I decided to write a post on some of my favorite banks that still offer free checking ... (more)

Will Obama’s Student Loan Relief Plan Help you & Our Country?

From 20SomethingFinance.com
October 31, 2011 at 8:03 am
We have a tuition inflation problem in this country. As a result, we have a student loan debt problem as well. Student debt was higher than credit card debt for the first time ... (more)

Speed Interning: Unconventionally Brilliant!

From 20SomethingFinance.com
October 26, 2011 at 8:15 am
I’m not a big fan of extreme job hunting tactics, even during challenging times (like the Great Recession) when fierce competition makes it extremely tempting. Outside of ... (more)

Citi Dividend World MasterCard $200 Cash Back Promotion Easy to Get

From 20SomethingFinance.com
October 25, 2011 at 7:55 am
I’ve heard from a lot of readers that they love the Chase Freedom card with $200 cash back promotion, however, a number of people have been ineligible for the offer because ... (more)

2012 Traditional & Roth IRA Maximum Contribution Limits

From 20SomethingFinance.com
October 24, 2011 at 7:59 am
Last week, I reported the IRS announcement of the 2012 maximum 401K contribution limit increase. Right after, a few readers emailed me asking about the Roth IRA maximum contributions ... (more)