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Capital One 360 Review – Easy to Use Online Banking
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Capital One 360 Review – Easy to Use Online Banking

ByGrayson Bell

I have had a Capital One 360 checking account for some time now, so I figured it would be time to provide a review of the service. Many of you might know of this service, but Capital One bought ING Direct and relabeled the banking service to Capital One 360. They offer both a checking and savings account, which are online only. They are essentially an electronic checking and savings account. I have really enjoyed the service and Capital One made it extremely easy to setup. Here is my Capital One 360 review.

What If We All Bought Used Cars?

What If We All Bought Used Cars?

ByGrayson Bell

One of the longer running pieces of personal finance advice is to never buy a new car. Seriously, most experts use the word “NEVER!” I am cool with that, especially as someone who has purchased quite a few new cars, I have learned my lesson. The justification of this advice is you can save a lot of money by just buying a car one or two years old. The majority of depreciation happens within the first year. After that, most cars depreciate on a sliding scale. Some do it slower than others, but I am not getting into that. So, let’s talk about this “never buy a new car” advice.

It’s All in Your Head: Why a Scarcity Mindset Is Keeping You Poor

It’s All in Your Head: Why a Scarcity Mindset Is Keeping You Poor

ByGrayson Bell

You’re frustrated at the end of the month because it feels like every penny you make goes toward paying bills, and you have nothing to show for your hard work. You see things that you would like to have, seemingly frivolous items like designer shoes or a new television, and walk away, thinking that because you don’t have the money now, you won’t ever be able to have what you want. You’re jealous of others. While it’s true that basic necessities like food and shelter cost more than ever, the real reason that most people aren’t achieving wealth goals has nothing to do with how much money is in the bank. It has to do with how they think about money.

My Argument For Married Couples Keeping Separate Finances

My Argument For Married Couples Keeping Separate Finances

ByGrayson Bell

First, let me give mad props to my fellow personal finance blogger, Holly of Club Thrifty, for rocking a Wall Street Journal essay and a Fox Business TV interview. She was dealing with the topic of money and marriage. This is a very controversial topic in the world of personal finance and I understand why. I wrote about it briefly some time ago when I was talking about paying off a spouses debt when they incurred it before marriage. That one got me some angry comments and emails, but I powered through. I don’t mind causing a little controversy. I read both the arguments on the WSJ piece and I am going to provide my argument for separate finances for married couples.

Money Talks – The Power and Influence of Money

Money Talks – The Power and Influence of Money

ByGrayson Bell

You have probably heard of the saying “money talks!” If you haven’t then it is a simple premise. If you have money, then you have power and influence. The more money you have, then the more power and influence you have. We see this premise in action everywhere really. It really shows up in business and politics. I figured I would share a story with you that would bring home this phrase. You probably don’t need a story to understand that money really does talk, but you are getting one anyway. This is about a co-worker that was deep into politics, so much that she was planning a career switch.

Six Home Improvements That Can Add Value When You Sell

Six Home Improvements That Can Add Value When You Sell

ByGrayson Bell

One of the popular ways to build long-term wealth is to own your own home. While simply owning a home and paying down a mortgage over time will lead a significant amount of wealth creation, those that are looking to maximize the amount of equity that they could ultimately have in their homes should look for ways to improve their home. Those that are looking for home improvement projects to consider, here are six specific home improvements that could add the most amount of value to your home when you ultimately try to sell your home.

American Express Personal Savings Review – A Good Option
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American Express Personal Savings Review – A Good Option

ByGrayson Bell

As a reformed spender, I love the opportunity to save money. Unfortunately for all of us savers, the economy is not really geared to rewarding us for holding onto our money. Even with low interest rates, I still love to save money and want to tell you about the American Express personal savings account. One of my goals is to give my readers options on where they store their cash. I am a big proponent of spreading your liquid assets in different places, so adding another savings account is no big thing for me. I am also a big fan of American Express, because they are the holder of one of my favorite cash back credit cards. Since my large banks are giving their savings customers a paltry 0.10%, anything better than that is good for everyone!

Insurance Basics – Spreading Risk

Insurance Basics – Spreading Risk

ByGrayson Bell

Insurance is on the forefront of everyone’s thoughts these days. With the new healthcare roll out in the US, people are wanting to know more about insurance. Insurance is actually a pretty easy topic to understand, but there are still people out there that don’t carry any insurance or just don’t really know how it actually works. I am going to go over the simple basics of insurance and how it works, just on a top level. There are many forms of insurance, which include health, car, home, marine, business, life, banking, and many more. Insurance is a part of our life, so we should take just a little time to understand how it works.

Why You Should Choose a Local Appliance Store

Why You Should Choose a Local Appliance Store

ByGuest Author

There comes a time in all of our lives that we have to make large purchases. Let’s face it, that is just how our lives work right now. Our modern lives demand dishwashers, refrigerators, washing machines and dryers. When we find ourselves looking to buy a new appliance, we shop around. We read the reviews, we analyze the reports, and we watch the sales. Here is my story about why you shouldn’t go with the lowest price, but shop based on the type of service that you will receive after the purchase is made.

Dear Verizon, This Is Our Final Goodbye!

Dear Verizon, This Is Our Final Goodbye!

ByGrayson Bell

Dear Verizon Wireless, I have been a loyal customer of your cell phone service since I was 16. You provided the best service at a reasonable price. You allowed me to get a nice phone for very little money and pay it off on my bill every month. Then, you would reduce my bill after the phone was paid for. Those were the days! Unfortunately, times have changed. Here is our final goodbye letter letting you know that were are dumping you for someone a little less flashy, but way more affordable.

3 Budget-Friendly Alternatives to Home Security Equipment

3 Budget-Friendly Alternatives to Home Security Equipment

ByGuest Author

When struggling with debt or making ends meet on a budget, it can be a bitter pill to swallow a monthly subscription fee for your home security needs. Sure, automated alarm systems can help deter home invaders and have been shown to limit the time they spend inside once they’ve broken in. But for those who want to make ends meet first (or supplement their home security measures already in place,) following simple home security tips and investing in cost-effective alternatives to traditional home security measures can save you hundreds of dollars.