Human nature is such that, if given the chance, most folks would choose to take the path of least resistance by avoiding competition. However, those who lack challengers almost always miss the motivation required to innovate or otherwise stay at the top of their game. Over the long run, fair competition helps the most deserving come to the forefront. In the free market, competition helps consumers by fostering lower prices
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Until 1912, the United States Postal Service delivered mail on Sundays — and prior to 1950, the mailman came twice a day. Now, with the USPS expected to suffer a projected $238 billion deficit over the next decade, it looks like Saturday delivery may soon become a thing of the past too. Luckily, with the era of online bill pay, email, and other forms of electronic communication, most people won’t
Continue reading 100 Words On: Why the US Postal Service Should Take Saturdays Off
Like most people concerned about identity theft, I occasionally gather up any documents with sensitive personal information I’ve accumulated over time and run them through the paper shredder. It’s one of those fun little household rituals that goes a long way toward ensuring our household credit and personal accounts remain out of the hands of nefarious people tempted to dig through the trash.
The reason I bring this up is during
Continue reading Enough! How to Stop Pesky Credit Card Offers & Other Junk Mail.
Buying a home is a big decision and you do not want to make a mistake while you are home shopping. That’s why lots of people turn to mortgage brokers to help them through the process of finding a loan. In order to help you avoid being taken advantage of during the process, here are five money savings tips that your mortgage broker doesn’t want you to know about.
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I have a lot of bad habits. For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass — then walking away and leaving the door wide open. I know. I can’t explain it either, but it drives the Honeybee absolutely bonkers every time I do it.
Even so, I like to remind her that
Continue reading 50 Good Personal Finance Habits Everyone Should Follow
If you’re like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found appreciation for their convenience.
Heck, nowadays I use credit cards to pay for almost everything. Naturally, I also make sure to pay off my balance in
Continue reading 18 Amazing Facts You Didn’t Know About Your Credit Card
April 15th might be behind us but then again isn’t it “always around the corner?”
When choosing the right professional to handle your tax preparation, the most important factor is not the talent but the location. Depending on where you are, you definitely want someone who works close by, preferably in the same city as you. It’s merely because city, county, and state lines undeniably matter when making sure you’re not
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I bought my first home in 1990 at the top of the Southern California real estate market and promptly found myself with an “underwater” mortgage. And although I owed more than the home was worth over the next seven long years, I never walked away from that loan — even though I wanted to — because I felt I had a moral obligation
Continue reading If It Feels Good Do It: Maybe Strategic Defaults Aren’t So Bad After All
Life is full of hassles. Some are really big, like losing a job. Others are more of an annoyance, like changing your place of residence.
Then there are the really irritating ones that make you scratch your head and throw your hands up in complete exasperation, like certain rewards programs that really make you wonder why you even bothered to sign up.
I’ve already discussed why I think Coke Rewards isn’t worth
Continue reading Friendly Warning: When Reward Points Expire, So Does My Loyalty
Nothing is easier in life than to blame the other guy when we encounter problems. That’s because it takes real courage and integrity to look inward and take responsibility for all of the troubles that are a direct result of our own making. When we take ownership for every decision we make in life, we become powerful in the eyes of others. It also earns us trust and breeds opportunities.
Continue reading 100 Words On: Why Personal Responsibility Is the Key to Success