Articles on Personal Finance

Seven Tax-Efficient Perks to ask your Employer For

If you are doing a good job, your employer will want to keep you. And to do so, they know they might need to woo you or otherwise entice you to stay if your skills are marketable a

Disability Insurance: Payments and Pitfalls

Disability Insurance is yet another tool in the arsenal of insurance products that may be a life-saver for some people, but that also can unveil some bitter surprises at the worst

Cheap international payments with Esperanto

For as long as there has been international trade, there has been a need to make international payments. To show up in person with gold or silver coins risked both your life and y

The Quiet Millionaire: Parts 4 & 5 - Building Your Net Worth

In The Quiet Millionaire, author and Certified Financial Planner Brett Wilder gives common-sense advice on how to build net worth: “Your goal should be to make the value of what yo

Inflation is worse than you think

I don't just mean that the rate of inflation is higher than the government's reported rate--that's evident to anyone who's paying attention. But there are other co

How to keep the low teaser rate for your mortgage

Treasury Secretary Henry Paulson gave a speech yesterday, talking about the administration's plan to "address the challenges" of the housing market downturn and relat

Frugality Makes the Heart Grow Fonder: 5 Ways to Spend Less and Love More

Hot dates are often stereotyped as being expensive; Fine wines, fancy dinners, high-priced hotels, and posh resorts top the list of ways we traditionally thi

5 Foods I Grew Tired of Buying, and How I Quit

Everyone who cares about frugality understands that it often involves becoming more self-reliant. The following is a list of kitchen staples that I quit buying, and how I’ve made i

Fixing the foreclosure crisis

Because homeowners are also voters, and because the subprime lending crisis threatens the whole economy, the federal government is trying to come up with ways to head off a massive

Credit Card Rewards Programs

A commenter on a recent article of mine on credit card usage, suggested a follow-up post with an eye to uncovering the mysteries of credit card rewards programs. And in my research, I discovered it’s a murky world of points, rebates, fees, and [more]

They used to call it "loan workout"

It has never been unusual for borrowers to run into difficulty, and sometimes it becomes clear that a loan will never be repaid in full. The lender's job then is to recover as

This Season, Give Your Child the Gift of Fiscal Responsibility

Kids may think they know what they want to get for the holidays this year, but that doesn’t mean they have a

Grandpa’s Penny: “If you never spend it, you’ll never be broke!”

With the holiday season upon us, it seems everyone just wants us to buy. Apply my Grandpa's simple principle to avoid drowning in purchases.

AD&D Insurance: No Good, No Bad, Just Ugly

Accidental Death And Dismemberment insurance. Wow – doesn’t that sound just lovely? I mean, at least Life insurance has a euphemistic name (they call it “Li

Product Feedback Is Worth Your Time

Taking time to give quality feedback is an opportunity that can often reap great rewards. Go ahead and let companies know how you feel.

Living within your means isn't nasty

How bad could things get? The New York Times asked that question about the economic situation. It's a good question, but they gave a really bad answer.

The sinking dollar, as viewed from overseas

To someone in the US, the decline in the value of the dollar has mainly made itself felt up to now in the form of increases in the prices of globalized commodities--everything from

Revive Old Toys for Extra Christmas Savings (and Sanity)

It has officially begun. My four-year-old has tuned out the real world in favor of loud Saturday morning commercials advertising the best of mu

Doubling Your Money with the Rule of 72

Did you ever wonder how financial professionals can so quickly mentally calculate how much money you’ll have in 30 years based on an investment return? Seems like magic, huh? Well,

The Dirt on Travel Insurance

In the world of travel insurance, no two policies are the same. Different activities and locales are covered in different ways between insurance companies, and even within the same