“In the short run, the market is a voting machine, but in the long run, it is a weighing machine”
Wed, 05/25/16 | One Comment

Fresh off the second huge stock market rally from a frightening decline in the past year, I thought it would be timely to do a bit of reflecting.
For those with very short memories (or news …

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Tracfone LG 840G Review: Prepaid Plan Hacking at its Best
October 6, 2014 | 23 Comments
Tracfone LG 840G Review: Prepaid Plan Hacking at its Best

For years, my wife had maintained her cell phone service with Net10 (one of the big prepaid MVNO carriers).
Even though it was dirt cheap at just $16.44 per month (including regulatory fees), it had been …

Why you Are Not Taking your Paid Vacation Days, but Should
September 29, 2014 | 16 Comments

Previous generations of workers fought their butts off for paid vacation leave. Some succeeded in getting this essential employee benefit from their employers. Others did not.
As a matter of fact, to this very day, the …

How to Avoid Credit Card Late Fees & Interest Charges
September 24, 2014 | 7 Comments
How to Avoid Credit Card Late Fees & Interest Charges

Last week, I made the case for credit cards vs. debit cards.
There is one big caveat, which I gave towards the end of the post:
“You should only apply for and use credit cards if you …

Save to Win (Lottery Tickets)!
September 22, 2014 | 8 Comments
Save to Win (Lottery Tickets)!

Do you like playing the lottery?
Then you’ll LOVE turning your savings account in to a lottery ticket!
OK, that sounds worse than it is, but that’s the general concept behind Save to Win and other “prize …

Credit Cards Vs. Debit Cards: Millennials are Choosing Wrong
September 15, 2014 | 41 Comments
Credit Cards Vs. Debit Cards: Millennials are Choosing Wrong

According to a Bankrate survey, 63% of millennials do not have a credit card, opting for debit cards or cash instead. This compares to 35% of adults over age 30.
What’s the deal? The survey didn’t …

The 17-Item Grocery Challenge: Creating A Low-Cost Food Plan
September 9, 2014 | 20 Comments
The 17-Item Grocery Challenge: Creating A Low-Cost Food Plan

The one expense category where my wife and I have not cut back on is food.
The average cost for food, per household, was $6,599 in the last full year of measured data. Despite rarely dining …


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