Readers: This is article 13 of 25 from my no-nonsense "Mortgage Basics" quick-reference series.
Many people mistakenly believe a 20% down payment is required for conventional home loans, but the reality is that's only true for homebuyers who want ...
Continue reading What’s the Lowest Mortgage Down Payment I Can Get Away With?
The Price of Silence: How to Stop Annoying Dogs That Bark Constantly
When I was in high school, I had a classmate named Steve Kowolski who used to bug the bejesus out of me and my buddies.
Okay, to be honest, Steve's last name wasn't Kowolski -- although he did have a last name that ended in "ski."
Anyway, the ...
Continue reading The Price of Silence: How to Stop Annoying Dogs That Bark Constantly
How Do I Determine the Biggest Monthly Payment That I Can Afford?
Readers: This is article 12 of 25 from my no-nonsense "Mortgage Basics" quick-reference series.
There are two basic methods for determining how much house you can reasonably afford:
Calculate Your Budget Using a Debt-to-Loan Ratio
Mortgage ...
Continue reading How Do I Determine the Biggest Monthly Payment That I Can Afford?
3 Myths that Don’t Help You Save on Car Insurance
The Internet is a wonderful resource and platform for spreading misinformation at the same time. When it comes to auto insurance, for every great resource or article, there is also a website that posts incorrect and misleading information about ...
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Black Coffee: Socialists, Capitalists, Spenders and Savers
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.
There's a lot to discuss this week, so ...
Continue reading Black Coffee: Socialists, Capitalists, Spenders and Savers
What Is the Best Way to Find My Credit Score?
Readers: This is article 11 of 25 from my no-nonsense "Mortgage Basics" quick-reference series.
Your credit score is a financial report card that tells lenders how risky it is to do business with you. Credit scores are especially important for ...
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What Will Happen If Everyone Pulls Their Money from the Bank Today
I am a big follower of Mike Maloney. He is the man responsible for opening my eyes and helping me understand just how our monetary and financial systems really work -- and for that I will be forever grateful.
Last month, he put out a brief video ...
Continue reading What Will Happen If Everyone Pulls Their Money from the Bank Today
My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost
Well, it took a couple of months longer than the Honeybee and I originally anticipated, but after a few delays due to uncooperative weather, supplier issues, and one less-than-scrupulous contractor, we finally completed our porch remodel ...
Continue reading My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost
Black Coffee: The Dog Ate My Homework Edition
It's time to sit back, relax and enjoy a little joe ...
Sometimes there just aren't enough hours in the day to do everything that we want to do in life. Unfortunately for me, my hectic work schedule got more hectic-er. In fact, I ended up logging ...
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What if I Don’t Want to Wait 30 Years for My Investments to Pay Off?
There are loads of people in the US who don't invest in stocks. And while there are hundreds of reasons why this might be so, we're going to limit ourselves to just one: Time. It takes a long time for traditional, conservative investment strategies ...
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4 Simple Tricks That Can Help Lower Your Credit Card Interest Rate
Over half of American households carry credit card debt from month to month. That means they're making interest payments that reduce the amount of money they have.
The higher your interest rate is, the more money you lose every month. The good ...
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A Day in the Life of a Low Performer
A few months ago I read an interesting analogy in the book Talent is Overrated, by Geoff Colvin.
The average runner, says the author, thinks about anything besides than the painful fact that hes running. Elite runners, by contrast, focus on every ...
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Why Private Schools Are a Financial Rip-Off
Most parents end up considering private education because they only want the best for their child. But today I'm going to show you why, from a purely financial perspective, private schools are not worth the price of admission.
Well, that is unless ...
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Black Coffee: Not Tonight, Honey … I’ve Got a Headache
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 ...
Continue reading Black Coffee: Not Tonight, Honey … I’ve Got a Headache
5 Things Everyone Should Know About Corporate Finance
Whether you're dealing with a household grocery budget, a home mortgage, or end-of-year income tax calculations, financial matters can be confusing. However, keeping control of your finances is a vital aspect of managing your business, and once you ...
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The Ultimate Guide to Paying Off Your Student Loan Faster
One of the biggest obstacles that prevent many graduates from investing either independently or through an adviser is the student loan. Student loans can weigh down individuals from seizing rewarding financial opportunities until they're cleared of ...
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How Much Can I Afford to Borrow for a New Home?
Readers: This is article 9 of 25 from my no-nonsense "Mortgage Basics" quick-reference series.
Although there are exceptions to every rule, mortgage providers generally require your total debt to be no more than 36% of your pre-tax income. Your ...
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Is a University Degree Really Necessary Today?
Possession of a university degree is considered to be important by many employers. The question that we should consider is whether having a degree is the only door to a successful future.
Forty-one percent of university students drop out before ...
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Black Coffee: If You’re Smart, You’ll Avoid the Pooh-Pooh Platter
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.
Trust me: business travel is no fun. I ...
Continue reading Black Coffee: If You’re Smart, You’ll Avoid the Pooh-Pooh Platter
How Big Should My Mortgage Down Payment Be?
Readers: This is article 10 of 25 from my no-nonsense "Mortgage Basics" quick-reference series.
Although there are exceptions to every rule, mortgage providers generally require homebuyers to contribute a minimum down payment somewhere between ...
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