You are herePersonal Finance Theory

Personal Finance Theory

Discussing conventional personal finance wisdom in light of the vast changes within our modern ecomony.

New Pew "Safe Credit Card Standards" Report Argues for New Regulations

Today the Pew charitable trusts released a short report entitled "Safe Credit Card Standards". Pew surveyed credit card offerings from all of the largest issuers, then consulted with various stakeholders--including representatives from credit card issuers.

Personal Finance Books are Following the "Conventional Wisdom"

Eleanor Laise wrote an excellent piece for today's Wall Street Journal in which she examined how personal finance books have recently changed their tone, racing to capitalize on the prevailing fear.

Credit Scores are (Nearly) Everything part I: How I “got religion”

I thought it was clever financial planning. Banks thought it looked like deadbeat behavior.
Friends ask why I gravitated from academic philosophy to investment management and personal finance. And some wonder why I'm so preoccupied with credit scoring. This true story might shed some light on these questions.

Choosing the Right Credit Cards Part 1: Purchase, Loan, and Revolving Cards

 This article will the first in a series devoted to helping readers select credit cards best suited to their needs.
Choosing a credit card can be a daunting process. Since no card is best for all types of credit card use, it pays to think through just how new credit be used. Credit cards can be categorized based on how well they serve three distinct purposes.

Why Rethink Credit?

The core elements of personal finance include earning, spending, investing, and credit.  All these have changed substantially over the past generation.  But credit has been the most radically transformed, over both over past decade and then during the past year.  What are the generally recognized "rules" concerning the use of personal credit?

The Growing Importance of the Personal Finance Game

In an earlier era, most financial relationships were simple. A client would bring their business to a (usually local) financial institution. They would be quoted a “price” for services needed (deposit rates, loan rates, service fees, et cetera) which would change only occasionally.


Are you a human?
5 + 1 =
Solve this simple math problem and enter the result. E.g. for 1+3, enter 4.


Bookmark Us

Bookmark Website 
Bookmark Page