For the Times You Didn't Plan For

At some point in life, everyone has hit some rough financial times. Sometimes, these financial problems are brought on by the ignorance of youth, other times they are brought on by coincidence, and they can even be caused by catastrophes beyond your control. No matter how it happens, it’s clear that you can’t allow financial disasters decide how your life will play out.

Your life is your own, and it doesn’t

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100 Words On: Why Most Early Risers Usually Wake Up Smiling

Twenty top CEOs were surveyed by Yahoo! Finance and 80% of them said they wake up every morning at 5:30 or earlier. As for the the other 20% — they rise and shine no later than 6:00. According to Forbes, studies show that early risers are more optimistic, conscientious and stable. It turns out that morning people are more proactive too — which leads to greater career success and more pay.

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The Emperor Has No Clothes: Why In-N-Out Burger Is Overrated

I know what I’m about to say is going to make more than a few people’s heads explode, but it needs to be said: In-N-Out Burger ain’t what it used to be.

No, really.

Trust me on this one, folks; I know what I’m talking about.

I’ve been eating at In-N-Out for well over 30 years now. I grew up with an In-N-Out Burger down the street from my childhood home,

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The 7 Most Popular Ways to Commit Financial Suicide

On our way back home we stopped to admire this view at Battery Spencer, on the north end of the Golden Gate Bridge.

I recently got back from a vacation that included a family wedding on the Central California coast and a sightseeing trip around the San Francisco Bay Area.

Of course, one of the most popular attractions in San Francisco is the beautiful Golden Gate Bridge. It’s absolutely breathtaking

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Black Coffee: Why Image Isn't All It's Cracked Up to Be

It’s time to sit back, relax and enjoy a little joe

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance. Here’s what caught my attention over the past week…

I just got back from a week long vacation to California’s central coast and San Francisco. I had a great time! I got to attend the

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Super-Scary Fare: 5 Meals That Bite Back

When I was a kid I had a neighbor down the street that used to put on the best Halloween haunted houses. He used to set it up in his garage using black lights, cottony spider webs, and giant refrigerator boxes to make a scary maze that we had to walk through – filled with “ghouls” that would jump out from hidden compartments – before we received some awesome Halloween treats.

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Cheap Thrills: 6 Awesome Halloween Movies That Aren't Scary

I’m Lauren and on my site, L Bee and the Money Tree, I often talk about frugal hacks for your life. While Len is out on vacation I have the “cheap” thrill of guest posting on his blog today!

Relax, girls … This Halloween, Lauren won't be showing any scary movies like Night of the Living Dead — or Rock of Ages.

Everyone knows that staying at home and

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What Barfing Out of a Bus Window Teaches Us About Managing Money

Hi, Len Penzo dot Com fans! I’m Jana and I run a personal finance blog, Daily Money Shot, where I talk about money (but not the boring parts). I’m thrilled to be guest posting here, and when you’re done reading what I have to say, come say hi on Twitter or Facebook!

When I was in college, I was in a sorority. One of the perks of this was date parties.

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Black Coffee: The Great White North, Taylor Swift and Hot Russian Brides

It’s time to sit back, relax, and enjoy a little joe…

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance. Your normal author, uh, (scrolls to the top of the page) some guy named Len Penzo, is not here this week. I’m not sure where he is. Ever since I showed up at Aunt Doris’s

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100 Words On: Saving Your Lame Excuses for Somebody Who Cares

A wise man once said that excuses are tools of incompetence, only useful for building monuments of nothingness and bridges to nowhere. When it comes to personal finance, there are a countless number of excuses that people often use to explain why the pecuniary pit they’re sitting in is somebody else’s fault — and why they’ll never be able to get their financial house back in order. Of course, that’s pure

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