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The Finance Gourmet

Personal Financial Advice from a former Certified Financial Planner

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colorado payday loans interest

Are Colorado Payday Loans Legal and a Good Idea?

May 3, 2022 by Finance Gourmet

Payday loans have gotten a bad rap, and deservedly so. Payday lenders have behaved in a predatory manner. However recent payday loan rules and regulations have eliminated some of the worst abuses. While a payday loan should be no one’s first choice, when used properly, for the short-term only, a …

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Categories Banking Tags banks, lending, loans, payday loans, Personal Finance
savings interest rates go up a little

When Will My Savings Interest Rates Go Up?

March 18, 2022 by Finance Gourmet

Waiting for your bank or credit union to raise the interest rate they pay you on your savings or money market accounts? Don’t hold your breath. Better Savings Interest Rates While the Fed kept interest rates at zero, most banks followed suit with their basic interest-bearing accounts, getting as close …

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Categories Savings Tags Banking, banks, interest rates, News, online savings, Personal Finance, Savings, savings account
bank mergers money

Bank Merger Signals New Phase of Economy

February 7, 2019 by Finance Gourmet

OK, here we go. The first big bank merger (or acquisition) since 2008 was announced today. It is significant for several reasons. Banks Are Back? As the financial industry imploded in 2008, it took the banks with them. It also exposed a lot of their shadier practices and brought out …

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Categories Banking Tags Banking, banks, financial news, mergers, stock markets

What Is a Cashier’s Check?

August 4, 2017 by Finance Gourmet

I’m going to do a whole series on this based on some questions I keep getting, but for now, here is the short version. A cashier’s check is a check drawn on the bank’s funds, instead of a person’s funds. As a result, such a check would never bounce, or …

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Categories Banking Tags banks, cashiers check, Checks
free checking graphic

Where To Get Free Checking

October 4, 2017March 3, 2016 by Finance Gourmet

If you know anything at all about personal finance, you know that big banks are financial institutions for big suckers. Right now, with interest rates at, a little bit over zero, everywhere, it isn’t as easy to tell, but big banks have never been good deals for average customers. Big …

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Categories Banking Tags banks, Checking, credit union, Deals, Savings

Bank of America Cancels Debit Card Fee

November 2, 2011 by Finance Gourmet

After facing the biggest customer backlash in recent memory over its decision to implement a $5 per month use fee for customers using a Bank of America debit card, the banking giant has reversed course and announced that it will not charge the $5 debit card fee starting next year. …

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Categories News Tags Banking, banks, debit cards, fees

Government Making Profit From Bank Bailout?

October 22, 2010 by Finance Gourmet

The huge government bailout of banks during the height of the banking crisis was the cause of much concern and hand wringing. Among political types, the debate centered around the theoretical concepts of whether or not the government should be involved in propping up banks and whether or not such …

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Categories News Tags banking crisis, banks, Citibank, citigroup, Government, News

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