Although I haven't conducted a scientific study, I suspect that most people of modest means who are successfully managing their money understand the importance of patience in personal finance.
Let's face it: Most debt-free people aren't impulsive ...
Continue reading Patience In Personal Finance: Why It’s a Tremendous Virtue
Black Coffee: Stupid Money Games
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 busy week is behind ...
Continue reading Black Coffee: Stupid Money Games
How Much Can I Afford to Borrow for a New Home?
One of the biggest questions for first-time homeowners is this: How much can I afford to borrow? 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 ...
Continue reading How Much Can I Afford to Borrow for a New Home?
How to Pay 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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3 Ways to Get Your Small Business Finances Back On Track
Running a small business can be a thrilling yet challenging endeavor. Financial hurdles are a common concern for many entrepreneurs. And getting those small business finances back on track can sometimes seem overwhelming. However, with the right ...
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Personal Finance Bad Habits: The 33 Biggest Ones to Avoid
I'm a total neat freak. Always have been.
Truth be told, the Honeybee is a neat freak too. I think that's a big reason why we get along so well.
Oddly enough, our teenage kids are the exact opposite. They're allergic to neat.
The other day I ...
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Your Christmas Fund: 12 Ways to Save $2000 Before the Holidays
September is here and the holidays are less than three months away, so if you don't yet have enough cash stashed in your Christmas fund to cover all the upcoming expenses -- like hosting family dinners, gifts, and all that extra gas you'll use ...
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Mailbag: How to Sell Your Gold and Silver
Hi Len, I read in your blog that you recommend APMEX for buying precious metals. I've saved money to buy some bullion and I'm ready to invest! I'm just having trouble researching how to sell my gold and silver when the time comes. Can you shed some ...
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Black Coffee: Worse and Worser
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.
I hope everybody had an enjoyable week. ...
Continue reading Black Coffee: Worse and Worser
Grandfather Says: The Continuing Chronicles of Elaine, Part 49
The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage:
A Brand-new Career at Age 50
My six years of piano teaching in the studio were busy and fun; I believe I met half the ...
Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 49
9 Ways to Get the Most from Your Coupons
Coupons are a great way to save money -- in fact, diligent coupon clippers can save a thousand dollars or more each year. Even so, many people refuse to use them. Whether they can't figure out where to find great coupons, or they don't understand how ...
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How to Budget For Unexpected Home Repairs
Owning a home is still very much part of the American Dream. But it's one that comes with a cost. Not only are housing prices on the rise across the US, but the hidden costs of owning property - especially unexpected home repairs - can often be more ...
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Personal Finance for Kids: My 12-Year-Old Daughter Explains Her Strategy
My daughter, Nina, turned 25 years old last month. I know it's cliche, but I truly do remember the day she was born like it was yesterday.
I'm happy to say that Nina has always been a natural saver and good at managing her money -- and when it ...
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Black Coffee: Battle Stations!
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.
I've got another busy weekend ahead of ...
Continue reading Black Coffee: Battle Stations!
How Big Should a Mortgage Down Payment Be?
Although there are exceptions to every rule, mortgage providers generally require homebuyers to contribute a minimum down payment somewhere between 3.5% and 20% of the home's purchase price. So how big should a mortgage down payment be?
Of course, ...
Continue reading How Big Should a Mortgage Down Payment Be?
Personal Finance App Review: You Need a Budget (YNAB)
In life, some people prefer chocolate while others like vanilla. And when it comes to personal finance, there will always be people who are comfortable managing their money using an Excel spreadsheet, while others prefer something a bit more ...
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6 Expert Rental Negotiation Tips
If you're moving into a new apartment and need to mind your budget, there are a few tactics you can employ to score a better deal on your new digs. In fact, by learning just a few key lease and rental negotiation tips, you'll be in a better position ...
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Hyperinflation Facts: 18 Strange Things You Probably Don’t Know
The US National Debt recently surpassed $35 trillion. Not surprisingly, the world is finally losing faith in our currency, as evidenced by the emergence of the BRICS trading bloc and its intention to introduce a new currency based on gold and, ...
Continue reading Hyperinflation Facts: 18 Strange Things You Probably Don’t Know
Black Coffee: Bait and Switch
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 busy week is crossed off the ...
Continue reading Black Coffee: Bait and Switch
Grandfather Says: The Continuing Chronicles of Elaine, Part 48
The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage:
The Summer of 1986
In 1986, the summer Erik (our youngest) graduated from Union High School, Dave and I and Erik went on a ...
Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 48
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