The Apocalypse Can Wait: My State of the Household Report for 2012

As the old saying goes, knowledge is power.

When it comes to tracking personal finances, one of the most important pieces of information in you can have in your knowledge database is a detailed summary that highlights where your household income was spent during the previous year. Such a summary not only provides extraordinary insight into your spending patterns, but it also helps you optimize your personal finances.

I’ve been using an

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Black Coffee: Why I Don't Tweet Suze Orman - or Have Too Many Facebook Friends

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…

So I was going through my email when I noticed that الدلوعه السكسي had added me on Google+. For those of you who don’t know, Google+ is Google’s

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Do Your Homework Before Buying a Rental Property

Getting a rental property can be a great investment for your future. In order to determine if a potential rental property is a good investment, you’ll need to figure out the estimated cash flow of the property. Generally speaking, you can determine cash flow by taking all your rents received, and then subtracting out your mortgage payments, taxes, maintenance, and other utilities.

When it comes time to start running the numbers,

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100 Words On: Why Competition Is Good For Everyone

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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Roth IRA and Traditional 401(k) Differences - Which Is Better?

by YFS

For many of us, retirement can often seem like something too far off in the future. However, as we approach retirement age, and as we are exposed with news of economic instability, we often wonder what is in store for us during retirement. Because of this, a question we often ask ourselves is: Where is the best place to invest to get the most for our retirement?

Although there are

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A Few Thoughts from Aunt Doris: How to Make the Perfect Cup of Tea

This is another post in an occasional series from my dear nonagenarian Aunt Doris.

Aunt Doris

We English do love a good cup of tea (or, as we like to say, a cuppa)!

I’m not talking about that panther pee they serve in most restaurants here in the States. You know — a thick cup with a tea bag on the side! Oh, no!

Here’s how to make a perfect cup of tea:

First

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My Potato Chip Taste Test: Are Lay's Really Worth Paying More For?

Potato chips are big business. According to AIB International, over $7 billion of the salty snacks were were consumed in 2009.

It’s been reported that over 1.2 billion pounds of potato chips are consumed annually; I know I’m probably good for ten pounds a year all by myself.

I bet most of you are too. Don’t deny it.

A Brief History of the Potato Chip

As legend has it, the first potato chip —

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Black Coffee: Smart Investments, Dumb Collectibles & Dubious Guitar Solos

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…

Spammers are a funny lot. Those who try to pull money scams are the funniest, mainly because they are so damn stupid. I received yet

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100 Words On: Why Having an Upside Down Mortgage Ain't All Bad

One of the biggest fears many homeowners have is waking up one day and discovering that they owe more on the mortgage than their house is actually worth. While that may be trouble for those who absolutely positively have to move, it’s really no big deal for those who don’t — so don’t panic. Unlike underwater stocks, homes with upside down mortgages still have intrinsic value. Remember, you can only

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The High Cost of Getting My Son's Wisdom Teeth Removed

Nobody likes a big mouth.

At least that’s what I used to think.

My teenage son, Matthew doesn’t have a big mouth — although I wish he did.

That’s because most big mouths have one particular virtue that makes the rest of us extremely envious: they usually get to keep their wisdom teeth. As a result, they — or their parents — also end up avoiding those dreaded dentist bills for their removal.

My

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