February 21, 2013

Just How Tough is Today’s Economy?

My timing is terrible, but then, you can’t help when you’re born. I got out of college in the early 1980s, when the economy was struggling and jobs were hard to find. Things got better both for myself and the economy, and I spent much of the 1990s and early 2000s recruiting job candidates at a time when unemployment was low and qualified job seekers were hard to find. […]

What Is Your Logjam?

During the months leading up to our financial meltdown in April 2006, I knew that there were some serious financial problems brewing in our life. We had a lot of debt and didn’t own any major assets and we seemed to be consistently spending less than we earned. […]

Should You Buy Dental and Vision Insurance?

Right now, I’m going through the process of deciding whether or not I want to buy dental insurance. […]

Proposal: A Formula for Your Personal Human Capital

Calculating your net worth is easy. First find the value of all your assets, including your bank accounts, cash lying around the house, investments, and major assets like real property. Next find the value of all your liabilities, including loans, credit card balances, bills you have to pay soon. Subtract the liabilities value from the assets value and you have your net worth. […]

Reader Mailbag: The Calm Before the Storm

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. Using a blog for sales 2. Emergency document contents 3. No 401(k) at work 4. Local bookswap 5. Whole life insurance 6. Handling windfall 7. Pen-and-paper games 8. Negotiating with credit cards 9. Hand sanitizer or soap? 10. […]

AARP Driver Safety Course Promotion Code

AARP offers an online driver safety course (it’s a defensive driving course) for $19.95 and it qualifies as a defensive driving course with respect to auto insurance premium discounts. […]

The 5 Best High Yield CDs

Savers are having a tough time. Interest rates are low, and that means yields on cash are low, too. […]

10 Surprising Marketing Tricks You Should Be Aware Of

As an advertising professional, I get exasperated by the use of deceptive language and product claims that are misleading. From ambiguous wording, to modern examples of snake oil, here are 10 things you should know before spending your hard-earned money. 1. Excedrin — Many Names, One Product You’ll see this not just with Excedrin, but with a multitude of products in the pharmacy section. […]

Best Money Tips: Bathroom Remodels on a Budget

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on bathroom remodels on a budget, saving money by reducing waste, and investing with little money. Top 5 Articles Bathroom Remodels on a Budget — Remodel your bathroom on a budget by changing the mirror. [Beating Broke] Want to Save Money? […]

Lessons from a widow: The real value of money

Last year, one of my friends lost her husband. After decades of marriage, they said their final goodbyes. Since I work in a mortuary, I often witness some of the worst days of people’s lives. And that day was no different. My friend’s husband, the father of her children, was gone. No matter what anyone said or did, nothing could change that unfortunate truth. […]

The 5 Best Water Filters

It's important that people drink water. Without getting into the nitty-gritty science of it all, consuming water is essential to our survival. But that doesn't tell us just how we should consume our daily dosage of H2O. […]

Reader Profile: PD

The following is the latest post in my "Reader Profiles" series. Each post in this series details the financial situation and challenges of an FMF reader. […]