Getting out of your routine not only helps you appreciate what you are used to but it also sheds light on whether you are on the right track with life. May was a very busy month for me, as I went on two separate vacations in addition to a multi-day conference. Don’t get me wrong [...]
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If I had my way, the realtors will all be regulated. The financial advisers are regulated, and the accountants are part of the association that governs how they are supposed to conduct business. Why not the realtors as well?
Never mind our 401k and taxable investment accounts. The house is the biggest asset [...]
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No matter how careful and diligent you are with your finances, something important will eventually be forgotten. It could be a bill payment, or it could simply be overpaying for an impulse purchase. For me, it was investing for my retirement.
You heard it correctly. I failed to invest in a retirement account [...]
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We hear about all those people who are underwater on their mortgages, and we hear about the incredibly high amounts of distressed properties on the market today. Yet, many of us never really come across the foreclosure process. Is it really that bad? Is it really happening everywhere?
As I write this, I’m [...]
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Especially during the first morning after a long weekend, the alarm clock ranks first in the most hated invention of all time. That irritating buzz signals that yes, the sweet days off the 9-5 are over. There’s no more sleeping in, no more watching TV all day and no more time to look [...]
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I still remember the first time I realized the true power of my wife’s money saving skills. On our wedding, my wife probably saved us an amount in the five digits. As a result, we had an spectacular wedding that cost pennies on the dollar. Do you want to know how to [...]
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I feel better and better about being frugal as I age. I’m no longer questioning why I don’t feel like wasting money whenever I go out. I no longer feel weird for not needing to splurge and I’m no longer wondering why I am different.
Why should I?
At a young age, I’m:
Debt Free
Have an [...]
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When I was in Canada where the sales tax was 15%, my dad taught me a simple way of calculating the ridiculously high government sales tax. Take 10% of everything you buy, add an additional half of the result and that’s the taxes you are paying. Now, add that on top of the [...]
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You may not need a financial adviser. Not everyone does. And if you don’t trust your adviser, fire her immediately. It’s better to keep looking than to work with someone you don’t feel comfortable with 100% of the time.
If you decide you want to interview new advisers, there are three questions they [...]
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WTDirect is a relatively new comer to the online savings account world but the online bank is actually owned by Wilmington Trust, a financial institution that has over 100 years of history. When I was reviewing new online savings account options due to every company lowering their rates, I was pleased to see that [...]
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After some frustration, several phone calls and a long time listening to more commercials while being on hold, I managed to get the erroneous $175 termination fee on my AT&T phone bill waived. Here’s how I did it.
What Happened to My Bill
Many cell phone companies ask for a commitment in exchange for free phones [...]
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At some point, many of us will doubt whether our frugal lifestyles are really worth it. At times, we might question our ways when our friends buy expensive luxuries. Other times, it could happen when we wonder whether our budget spreadsheet is too empty. It doesn’t really matter how often we try [...]
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Out of necessity, we are just smarter about some things when we are college students than we are as we age. One of those things is personal finance. Sure, we made some really dumb mistakes with our money but we also tend to have a much better grasp on frugal living than most of us [...]
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I’m on an annual golf trip with my buddies in Cape Charles, VA and it’s been a few days of good golf, great food, and awesome fun.
Naturally, I wasn’t in front of the computer that often while I was gone and I actually miss writing on the site and talking to my readers through comments [...]
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