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The offbeat personal finance blog for responsible people.

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Many Americans May Be Sitting on Cash They Don’t Even Know They Have

By Len Penzo

(This is a sponsored post from LendingTree.) With housing prices at or near all-time highs in many places, many Americans may be sitting on piles of cash and don't even realize it. This is because, as home values rise, banks are willing to let ...

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February 16, 2018

3 Essential Tips for Finding the Best Home Loan

By Sabado Domingo

Going through the mortgage process can be an intimidating, overwhelming experience, even for people who have done it before. For newcomers, it can be especially difficult. It's easy to understand why: you're facing the prospect of entering into an ...

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February 14, 2018

Black Coffee: Late Night Notes from a Lonely Airport Terminal

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 a little past midnight. I'm writing ...

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February 10, 2018

3 Simple Ways to Control Your Debt

By Enero Febrero

Debt; it's not a word we like to talk about. It means you owe money, no matter how much it is. But if you do not take it seriously, debt will quickly spiral out of control. When that happens, you're left wondering how you will ever become financially ...

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February 9, 2018

The Top 8 Budget Vacations for World Travelers

By Sabado Domingo

For many people, vacation time means forgetting your worries and visiting sandy sunny beaches, exploring wild life parks, and discovering international culture. But great vacation packages offered by travel agents are usually very costly, which is ...

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February 7, 2018

A Few Thoughts From Aunt Doris: Losing Streaks and Winning Ways

By Aunt Doris

This is the final post of an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. Are you one of those people who never win? That's me! It didn't start out that way, though. When I was 12, like all British ...

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February 6, 2018

18 Fond Financial Facts You Didn’t Know About Valentine’s Day

By Len Penzo

Everyone loves Valentine's Day. Well ... almost everyone. To prove it, here are a some fond financial facts and strange trivia about Valentine's Day that you can whisper into your lover's ear while you're cuddling by the fireplace this February ...

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February 5, 2018

Black Coffee: Tick Tock Goes the Clock

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. And away we go ... "The first panacea ...

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February 3, 2018

100 Words On: Why You Should Always Bet Against the Groundhog

By Len Penzo

Every year on Groundhog Day, folks eager to know whether there will be six more weeks of winter wait for Punxsutawney Phil to emerge from his burrow. Since 1887, the storied groundhog has failed to see his shadow -- thereby predicting an early ...

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February 2, 2018

A Quick Overview of 4 Potential Loan Options for Homebuyers

By Sabado Domingo

When we think of financing for a home, we often assume that there are very few options. Sure, we know about first-time home buyer's options. We might also know that we can find loans with varying term periods. But there are other options out there ...

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February 2, 2018

Which Factors Determine the Price of Precious Metals?

By Tex Freitag

Precious metals such as gold, silver, palladium and platinum are, of course, much more difficult to find than others like tin, zinc, iron ore and aluminum. Throughout human history, their scarcity has made them more highly sought-after than base ...

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January 30, 2018

Black Coffee: The Lost Fortunes of Yesterday, Today and Tomorrow

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. Another glorious week comes to an end. ...

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January 27, 2018

Black Coffee: Beware of Castles in the Air

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 ... "We spend too ...

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January 20, 2018

What is Director Disqualification and How Can You Avoid It?

By Sabado Domingo

The following guide is likely to be useful to those recently promoted to the position of Company Director of a business, or directors who want more information about their rights. Director disqualification happens when directors are reported as unfit ...

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January 19, 2018

The Pros and Cons of Automated Trading

By Tex Freitag

Auto trading, otherwise known as automated trading, algorithmic trading, or mechanical trading, allows traders to program specific rules into the trading platform through a computer. Entry and exit rules can be formulated according to simple ...

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January 17, 2018

Black Coffee: Burning Down the House

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 ...

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January 13, 2018

Simple Tips to Make You a More Successful Forex Trader

By Sabado Domingo

Like Texas Hold 'Em poker, forex trading has sometimes been described as a game that takes minutes to learn but years to master. And many feel that the gambling comparisons do not end there. With the increase of trading apps and web platforms ...

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January 12, 2018

Grandfather Says: MLK’s Dream

By RD Blakeslee

He imagined a man who walked about the country telling everyone he met: "I wish we could all live Martin Luther King's dream where we didn't see anyone's skin color anymore." Grandfather imagined the man started attracting the attention of the ...

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January 11, 2018

Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water

By Chris Long

When you realize that half of a household's water usage occurs in the bathroom, and that greener versions of toilets and faucets -- like those found in new homes from green builders -- can save an average American family up to 11,000 gallons per ...

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January 10, 2018

How Banks Work (vs. How People Think They Work)

By Len Penzo

It is utterly amazing how many people still believe that when they deposit their cash at a bank, the money is dutifully socked away in the institution's vault, where the bank pays a small amount of interest for the privilege of storing that cash ...

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January 8, 2018

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