The Simple Dollar

Simple, applicable personal finance advice for the modern world.

Profile of The Simple Dollar

Latest Posts from The Simple Dollar (page 297)

Bypass Agents and Buy Directly from Companies (262/365)

In many ways, I feel the same way about insurance agents as I do about financial advisors. In both cases, most of the people in the business are really good people. They’re out there doing what they can to make their customer’s situations better. […]

The Simple Dollar Weekly Roundup: Parenting Is Hard Edition

It’s easy to have a child. It’s not nearly as easy to raise one well. The key thing to remember as a parent is that children need to push boundaries sometimes. They need to do things wrong and discover the consequences of doing so. It is incredibly easy to get frustrated with this when your child spends an entire day pushing boundaries. […]

Combine Health Insurance with Your Spouse (261/365)

When Sarah and I graduated from college, we were both lucky enough to find jobs almost immediately. Since we weren’t married yet, we signed up for health insurance separately, with each of us getting policies. A year later, we were married. […]

Bottles and Cans

When I was in middle school, I spent a lot of my free time collecting aluminum cans. I would store them up and then eventually sell them to earn some pocket money. We lived in Illinois at the time, which didn’t have a refund system, so one’s method of earning a return on the cans was to sell them as scrap aluminum by the pound. […]

Make Your Home More Disaster-Resistant (260/365)

When the insurance company offers you a quote for your homeowners insurance policy, they come up with that quote by figuring out how much of a risk your house has of facing a major disaster. To figure out that risk, they look at a lot of things: how new your home is, the area where it’s located, your credit score, and many other factors. […]

Reader Mailbag: Fascination

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. Reasonable or unreasonable expenses 2. Charity auctions 3. Next step after debt freedom 4. Learning chess for free? 5. 401(k) investment options 6. Teaching children animation 7. Credit score versus debt freedom 8. […]

Know What Your Real Building Costs Are and Provide Proof (259/365)

Why do you have homeowners insurance? The reason is, of course, to protect you in the event of a major disaster. If your house burns down or some other insured disaster befalls you, you’re going to want to be able to pay off that mortgage and rebuild, right? Getting reimbursed for the structure of your home is straightforward. […]

Wasting the Little Steps

Most of the frugal steps I take in my life are little steps. I drive the speed limit on my way to a friend’s house, which saves me fifty cents and gets me there a few minutes later. I eat leftovers for lunch. I put together a meal out of what’s on hand instead of heading immediately to the grocery store. […]

Drive Carefully (258/365)

When I was sixteen, I got into a car accident. I skidded on a bit of ice and rear-ended another car, one that happened to be driven by my cousin. There wasn’t much damage to either car; her car had to have a plastic piece on the rear replaced and my car was completely fine. The insurance impact, though, was pretty strong. […]

Ten Pieces of Inspiration #91

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. Christian Larson on criticizing others It is so easy to tear down others. It is so hard to improve yourself. “Give so much time to the improvements of yourself that you have no time to criticise others.” – Christian D. […]