Buying Generics - Quality vs. Quantity, Value vs. Worth

Reading Elizabeth’s post made me begin thinking about the quality and what it really means. When you think about buying clothes, Macy’s has a wide selection of high priced clothes which we would associate with quality. Walmart also has a large selection of clothes that are priced more moderately. Does this mean the clothes from Walmart are lower quality, are they going to disintegrate upon their first wash?

Do You Need Flood Insurance?

Recently you may have read in the news of the tragedy that fell upon the residents of several communities in Georgia. After a couple years of devastating droughts the tide has turned, rain has come, and on one fateful weekend so did the flooding. At least 8 people lost their lives and thousands lost their homes and or cars. Many people mistakenly believe that traditional homeowners insurance covers them in the case of flood, but this is not the case. The National Association of Insurance Commissioners found that 33% of U.S. homeowners wrongly believe that flood damage is covered by a standard homeowners policy.

Are Debit Cards Secure - Debit Or Credit?

There is a perception that debit cards do not carry the same level of security as a credit card. Recently, on an episode of the Dave Ramsey show he indicated otherwise and challenged his viewers to go look at the websites for the credit card companies if we didn’t believe him. Taking this challenge you will find that debit cards can provide but don’t necessarily always provide the same protection as a credit card.

Sell Used Books Online - Part II

This post follows up on an earlier article. With a house filled with avid readers we have accumulated piles of books. Historically we would simply donate books we no longer wanted to the library or the kid’s schools. Then we came across a used book store which would provide more cash than a tax deduction. Inspired by the opportunity I explored several options to sell our used books and ultimately decided to list our books on Half.com. Here are the results.

Do Credit Limit Reductions Affect FICO Scores?

There is a saying, “If you can’t raise the bridge, then lower the river.” For some banks, if they can’t raise enough capital for ample reserves they in turn are reducing their amount of liabilities. One way they have accomplished this is by dropping the credit limits on credit card holders.