Credit Cards Vs. Debit Cards: Why Millennials are Choosing the Wrong One
Mon, 09/15/14 | 28 Comments

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 …

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2013 Traditional & Roth IRA Maximum Contribution Limits Increase for First Time in Years
October 23, 2012 | 21 Comments
2013 Traditional & Roth IRA Maximum Contribution Limits Increase for First Time in Years

Last week I noted the increase of the 2013 maximum 401K contribution.
At the same time, the IRS also announced that the 2013 IRA maximum contribution and income limits were increasing as well, and it’s a …

The 2 Things Everyone should do to Lower Heating Costs this Winter
October 22, 2012 | 17 Comments
The 2 Things Everyone should do to Lower Heating Costs this Winter

Fall is my favorite time of year.
Michigan’s fall climate brings vivid changing colors, crisp cool mornings, and a reprieve from the muggy-swamp-ass-humid summer months. That’s Pure Michigan.
But one thing I don’t love is the ensuing …

2013 Maximum 401K Contribution Increased
October 18, 2012 | 41 Comments
2013 Maximum 401K Contribution Increased

Update: the 2014 maximum 401K contribution has since been announced

The IRS 2013 401K maximum was officially announced, and just like last year, there’s an increase in the 401K contribution limit once again!
The Maximum 401K Contribution in 2013

The …

Why Eyeglasses are so Expensive & how you can Pay Less
October 16, 2012 | 27 Comments
Why Eyeglasses are so Expensive & how you can Pay Less

Ever wonder why eyeglasses are so expensive?
60 Minutes had a really interesting piece on the Italian eyeglass manufacturer, Luxottica that helps explain why.
Luxottica manufactures just about every designer eyeglass brand in the market – Gucci, …

Interest Rates: APR vs. APY (and why it Matters)
October 10, 2012 | 6 Comments
Interest Rates: APR vs. APY (and why it Matters)

When comparing interest rates that a bank offers on a mortgage, home equity line of credit, car loan, credit card, certificate of deposit, or savings account, it’s important to know exactly what rate you are …

How Much Life Insurance Should you Buy?
October 3, 2012 | 16 Comments
How Much Life Insurance Should you Buy?

Life insurance is an interesting topic.
It involves a ton of guess-work and assumptions about your career.
It taps in to our fears around losing a loved one.
It’s often misrepresented as to what it is supposed to …


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