The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 288)

Be Aware of Any Homeowners Associations or Covenants You’ll Have to Adhere To (239/365)

On the surface, homeowners associations can be very good things. For one, they usually ensure a clean-looking neighborhood without anyone letting their property fall into disrepair. In an area with a homeowners association, people don’t have unkempt yards or sidewalks in disrepair. Associations also provide for the maintenance of common areas. […]

Reader Mailbag: Rainfall

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. Next steps for maxed-out credit 2. Internet on the road 3. Blanket for window tinting 4. Motivation at home 5. Worried about parents spending 6. Fantasy sports in the workplace 7. Should I switch jobs? 8. […]

Attend the Home Inspection Yourself and Ask a Lot of Questions (238/365)

One crucial part of the home-buying process is the home inspection, in which a licensed inspector examines the home for significant problems and (usually) prepares a report for the buyer. […]

The Eyes of a Child

My youngest child has these deep blue eyes. If you tell him something that attracts his attention, he’ll stop and look at you with those piercing blue eyes for a moment, as though he’s trying to make up his mind whether or not you’re telling him something of real value. Every day, his eyes are on me. […]

Shop Around for a Mortgage (237/365)

I shop around for everything from cars to soap. Why wouldn’t I shop around for my mortgage? It seems like such a common-sense thing. Different banks offer different rates on their mortgages. They also have different amounts on their closing costs. […]

Ten Pieces of Inspiration #88

Each week, I highlight ten things each week that inspired me to greater financial, personal, and professional success. Hopefully, they will inspire you as well. 1. Wayne Dyer on life as a rehearsal Don’t waste your time dwelling on the past. Don’t burn your days assuming the future will take care of it. “Stop acting as if life is a rehearsal. Live this day as if it were your last. […]

Ask the Seller to Pay Closing Costs and Other Fees (236/365)

When Sarah and I were in the process of purchasing our current home, we ended up negotiating for a price on a house that had been on the market for a while. […]

Making a Housing Decision

Since before we were married, Sarah and I have discussed building a home in the country somewhere. We’d like to have a home with a small yard and plenty of woods nearby to explore, with neighbors that are friendly but are quite happy to leave us to our own ends, too. We want to wake up to the sounds of a wide variety of birds and witness deer crossing the yard all the time. […]

Reader Mailbag: Sore Legs

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. Tankless water heaters 2. First step after rehab 3. Prioritizing spending and saving 4. Does faith matter? 5. Refinancing with a twist 6. Board games with little space 7. Difficulty getting ahead 8. […]

Look for a Fixer-Upper but Avoid Homes with Problems You Can’t Fix (234/365)

A year or so ago, a friend of mine purchased a home in the Des Moines area. When I first visited his home, my first reaction was that it was just run down. The carpets looked worn. The cabinets looked very beat-up. The appliances looked straight out of the 1970s. […]