No, I Won’t Get Over It: The New Mortgage Bailout Plan Stinks

Hello all.   It’s me again.   Your mean, uncaring, personal finance blogger with the heart of a lump of coal and a soul from the depths of Hades.

Yes, I am still steaming at this Obama rescue plan.   No, I won’t get over it.

And the more I read some of the posts out there in the blogosphere, the more frustrated I become.   This weekend I came across

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Why Shopping For Low Gas Prices Is A Losing Proposition

I know a couple people who will drive five miles out of their way, ten miles round trip, just to save a nickel per gallon. I’m sure you know several folks that might even drive further to save a nickel or dime per gallon.

I never worry about saving a few cents at the pump. When I need gasoline, I usually just pull in to the first gas station I see.

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I’m Just Askin’: Why Bother Being Fiscally Responsible Anymore?

All of us must learn to live within our means again.” – President Barack Obama

Taken at face value, who can argue with a statement like that?       As a sound bite, President Obama’s statement is an encouraging affirmation of good common fiscal policy — policy that is good for both the government and the private citizen.

But according to this Associated Press article, President Obama actually made that

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Fun with Chicken McNuggets

This is a very exciting time for me because today I am dipping into the mailbag and sharing a letter with you for the first time.   You know, I receive numerous letters each week and I always love to hear what my readers are thinking.   Okay, actually I don’t receive any letters — but play along with me anyway.

Yes, it’s very humbling to read

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An Easy Way to Compare Credit Card Reward Programs

I always assumed the cash-back card to be a better value than the one passing out airline miles, but I never did a detailed analysis to confirm my suspicions.   For me it just made better sense to get a dividend check a couple times per year that I could put to use for whatever I wanted.

Since we always pay the card off in full at the end of the

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A Layman’s Guide to Mortgage Application Junk Fees

As many of you know, I recently refinanced my mortgage for the fourth time in ten years.   Since then I have become familiar with that eternal mortgage loan enigma better known as the junk fee.   I always challenge the more questionable junk fees and never take them for granted. You should too.

Junk fees refer to lender or loan broker fees charged to cover company overhead.   Lenders use

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What Girl Scout Cookies Can Teach Us About Mortgages

I love this time of year. The Girl Scouts are out there selling their cookies, and every year I spend at least 15 minutes agonizing between Thin Mints, Lemon Cremes, Do-Si-Dos and Samoas before usually deciding to get ‘em all. With mortgage rates so low, it’s also refinance time.   So why is it that many of you will spend less time reading and signing your loan documents than I do

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If Arnold Schwarzenegger Was My Household CEO…

To those critics who are so pessimistic about our economy, I say: Don’t be economic girlie men!” – Arnold Schwarzenegger

While writing my 2008 State of the Household financial report I got this germ of an idea that kept popping into my head: What if I agreed to let Arnold Schwarzenegger be my household CEO?

But why?   Why would such a horrible thought pop into my head

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My 2008 State of the Household Financial Report (Part 4)

Today at work I was a bit distracted.   This was entirely due to my anticipation regarding my earlier promise to finish this four-part series with a quick summary of my net worth.   I hope most of you can forgive me; it’s just that I feel like the lead actor in the latest Judd Apatow movie.  

Those of you who have seen Forgetting Sarah Marshall or a few

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My 2008 State of the Household Financial Report (Part 3)

Welcome to Part 3 of my State of the Household financial report for 2008.     I’ve been very serious about running my household like a business for close to 20 years now.   As a result, I have managed to compile detailed data across a long time period.     Today I will be showing you my detailed household expenditures over the past ten years.   Before going any further

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