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The offbeat personal finance blog for responsible people.

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How I Live on $40,000 Annually: Ryan from North Carolina

By Ryan

My name is Ryan and I'm a 38-year-old teacher. I'm married to my wife, Louise, who is in retail management. We have three kids, ages 2, 7 and 9. I manage the majority of the finances, but communicate with my wife about financial planning because ...

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October 1, 2018

Black Coffee: What Goes Up Must Come Down

By Len Penzo

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. It's an abbreviated espresso edition ...

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September 29, 2018

An Introduction to Select Economic Data Releases

By Enero Febrero

It seems as if the government is always releasing economic data that is then dutifully reported on the local news channels. But what does it all mean? This article will focus on a select few key economic data releases that traders and laymen alike ...

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September 28, 2018

The Top 5 Credit Card Deals to Watch For

By Enero Febrero

In this era of fast-growing economies, the market is brimming with plastic money. While the credit card usage trend is increasing, credit card bonus signup deals are providing valuable help for consumers who are having trouble choosing between the ...

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September 28, 2018

3 Tips for Reducing Stock Trading Risks

By Sabado Domingo

Investing in the stock market has always offered better returns on your savings compared to a traditional savings account. However, do to some of the risks, many feel that it isn't worth the risk. Thankfully, with a bit of practice -- and some stock ...

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September 25, 2018

Mailbag: What Happens to Stocks After a Currency Reset?

By Len Penzo

Hello Len, I'm a long time reader of your blog. I love your stuff. I agree wholeheartedly with your assessment of the coming dollar collapse leading to a reset. I cashed out of my 401k years ago and devote my extra money into precious metals as well ...

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September 24, 2018

Black Coffee: Smoke ‘Em If You Got ‘Em

By Len Penzo

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. Well ... another glorious week comes ...

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September 22, 2018

5 Strategies to Help You Start Investing Today

By Sabado Domingo

For beginners, investing in the stock market can seem scary and overwhelming. You may think you need loads of money to begin with or that investing involves way too many inherent risks. By choosing a smart and diligent strategies, however, you can ...

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September 21, 2018

Grandfather Says: The Majesty of Trees

By RD Blakeslee

Grandfather says trees are very important to him. Not the kind that's planted to exploit for money; orchards, for example. The ordinary, volunteering kind. First --and maybe foremost -- he says they are beautiful in his mind's eye. Some are truly ...

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September 20, 2018

How to Invest in Stocks as a Retirement Plan

By Tex Freitag

It doesn't matter how hard you work or how talented you might be, your wealth building is tied by a singular constraint: your time and energy. When you stop performing, the money stops flowing. With retirement looming, it can be uncomfortable ...

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September 19, 2018

Black Coffee: Does Bitcoin Have Intrinsic Value?

By Len Penzo

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. Okay, away we go ... "Fear the boom, ...

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September 15, 2018

Quick and Simple Tips for Getting Out of Debt and Saving Money

By Sabado Domingo

If you find yourself in a financial hole, take a deep breath -- and then take stock of the unfortunate situation your find yourself in. First and foremost you should collect your recent bills and pay stubs. After you've done that, it's time to do ...

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September 14, 2018

Money for Nothing? Using Gaming Bonuses to Your Advantage

By Enero Febrero

The online casino scene has skyrocketed in popularity over the past couple of years. It seems that you can't browse a website without seeing yet another ad for the latest gaming site, with all of them offering free spins, no deposit bonuses and other ...

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September 14, 2018

3 Ways to Pay Off Your Loans Quickly

By Sabado Domingo

ads for your side hustle

You never know when you'll get into a financial bind. You can prepare yourself to deal with the mess. You can also get a loan to deal with the situation -- but once it's over, you're obviously still stuck with a the resulting debt ...

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September 13, 2018

4 Ways To Reduce Risk In Your Retirement Plan

By Sabado Domingo

Many people are worried about their retirement from a money perspective. According to a survey by Transamerica, most workers think the financial challenges they'll face in retirement will be harder to overcome than those that prior generations ...

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September 12, 2018

Black Coffee: Gold and the Unraveling Financial System

By Len Penzo

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. Let's get right to it this week ... "A ...

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September 8, 2018

What Everyone Should Consider Before Getting an Online Cash Advance

By Enero Febrero

At some point during our lifetime we're all bound to fall short of cash. The reasons can be numerous: For example, an insurance premium comes due, a last-minute trip to another city to attend a wedding, an ER visit, or even an emergency home repair. ...

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September 7, 2018

Grandfather Says: How I Order Pizza

By RD Blakeslee

Grandfather likes the funny epitaphs he's seen. But he tries to have fun beforehand, because it's better than being morose. When he orders pizza, he tells the clerk to charge his credit card now so she'll get paid in case he dies before he can ...

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September 6, 2018

In Plain Terms: What Are the 5 Main Advantages of Term Life Insurance?

By Enero Febrero

Your loved ones are, and should be, one of your most important priorities. If something were to happen to you, rendering you unable to take care of them, would you truly be comfortable with the very idea of such a scenario unfolding? Term insurance ...

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September 5, 2018

3 Undeniable Advantages of Credit Monitoring

By Sabado Domingo

In this highly technological age, it's very easy to keep track of your finances online. You have access to all the information you need with just a click of the button. However, this also means that hackers can easily steal your information and use ...

Continue reading 3 Undeniable Advantages of Credit Monitoring

September 4, 2018

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