Help a Reader: Sell or Not Sell?

Here's an email I recently received from a reader: Here is my situation: I have a stock (held for over a year) that has grown very nicely. If I sold this position I would reap about $15,000 in capital gains. I am currently in the 15% tax bracket. […]

Average Years of Retirement by Country

I love reading statistics (I hate compiling them or drawing statistically significant conclusions, I prefer to make up stuff that sounds feasible) and so when I was introduced to this table of average years of retirement by country, I wanted to know more. […]

Making Homemade Applesauce is Cheap and Easy

An Amazing Homemade Applesauce Recipe Do you love apples? Aside from apple pie there’s probably nothing better than a bowl of fresh homemade applesauce. If you’ve never tried making your own applesauce you might be surprised to find out just how simple and inexpensive it is. Especially in the fall when you can get fresh apples for next to nothing at the orchard. […]

The Five Best Strategies for Achieving the New Job Security

I'm reading the book The New Job Security, Revised: The 5 Best Strategies for Taking Control of Your Career and am really liking it. Here's how they describe "the new job security": The New Job Security is a work agreement that you make with yourself. You consciously decide to take the initiative in your work life, to set your own course for your current employment and future alternatives. […]

Reader Mailbag: Sick Daughter

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Future self and children 2. Blog as passive income 3. Transitioning to self-employment 4. 401(k) rollover worries 5. Repair or replace a car 6. Preserving books while taking notes 7. Preparing for fasting 8. […]

The Best of Money Carnival

The Best of Money Carnival is now up at The Millionaire Nurse. Congrats to all participants and especially the winning post, What To Consider Before You Cancel Your Credit Cards. Enjoy! […]

9 Places to Get Student Discounts

September is nearly over, which means that the excitement of starting a new school year has worn off for most students. The realities of studying and student loans have set in. Thankfully there are a lot of benefits to being a student — including discounts at a wide range of stores. […]

The Best Travel Websites

I’ve just returned from a cross-country trip and my wife is about to head out on one of her own. I thus thought that now might be an opportune time to talk a bit about travel planning. Not surprisingly, we do virtually all of our travel planning online. […]

All Ok with "Schwab" Visa?

Here's a comment left by a reader on my post titled Schwab Visa Down for the Count?: Just spoke on the phone with Schwab and FIA. They are planning no change to benefits except that the new card will have no Schwab logo on it and you won't be able to see it on the Schwab website. The replacement card will be a 2% cash rewards FIA card. Credit line and APR remains the same. There will continue […]

Monday’s Money Deal: Online Grocery Coupons

Like everything else online, searching for grocery coupons can score you a deal or a scam. Best bet: Stick the big sites. Here's a list that will help net you deals without potential malware, adware or other net-based nastiness. […]

Bicycling Safety in the City

A few years ago, I transitioned over to a part-time bicycle commuter. It was a fairly smooth transition considering I live in a bicycle-unfriendly city. […]

Newark Public Schools to Receive $100 Million

Earlier this year, the State of New Jersey missed out in $400 million in federal aid for public schools due to an administrative error and the political inability to take the educational needs of the state’s students seriously. […]

How to Prepare for a Car Breakdown

You get into your car, cup of coffee in hand, and mentally prepare yourself for the grueling day ahead. As you turn the key in the ignition, it clicks. Then nothing. […]

Swapping Convenience for Low Costs

This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at The other day I was walking down the street when a young man approached me and asked directions to the nearest Tube Station. I live in Boston, not London. Our subway is called the T. […]

Retirement Annuity: Required Funding For Retirement?

How are you saving for retirement? I share some thoughts on retirement annuities. I admit that I have a penchant for ranting about the misuse and abuse of annuities. And, yes, you have heard and read others doing the same. But, we have all also conceded that annuities can have a place in our portfolios and may be appropriate for some investors. […]

Review: Confessions of a Butcher

Every Sunday, The Simple Dollar reviews a personal finance book or other book of interest. I didn’t expect that I would like this book. A few weeks ago, I got an email from Vickie Smith, the wife of John Smith (the author of Confessions of a Butcher). She had stumbled across The Simple Dollar and had read through some of the site’s archives. […]

Podcast 75: Fight Back Against Unfair Debt Collection Practices, Fred Williams

On today’s episode of the Consumerism Commentary Podcast, Tom Dziubek talks to Fred Williams, author of the book Fight Back Against Unfair Debt Collection Practices: Know Your Rights and Protect Yourself from Threats, Lies, and Intimidation.Fred talks about going from being a journalist at the Buffalo News to working at a leading debt collection agency. […]

The Value of the Golden Rule

Brian writes in: You write in all the time about the “value of building community.” I think that’s pointless. […]

Earn Points By Participating on Consumerism Commentary and Win Goodies

You may have noticed that Consumerism Commentary authors, like myself and Smithee, and some commenters, have points and ranks displayed alongside their names. I’ve implemented a new feature on Consumerism Commentary in which visitors can earn points by participating in the discussions following every article and by visiting Consumerism Commentary every day. […]