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The offbeat personal finance blog for responsible people.

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Grandfather Says: The Rise of the Machines

By RD Blakeslee

Already computers are more powerful than humans in some cases ... Technology is just another means of evolution. We are changing the definition of what it is to be human. - roboticist Hiroshi Ishiguro Grandfather thinks back sixty ago, in a young ...

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January 9, 2020

Is a Career In Medical Billing and Coding Worth It?

By Sabado Domingo

Many people have been left guessing as to what profession to get in, especially with the constantly changing landscape in the jobs sector. While many job sectors are booming, other areas have seen layoffs and shrinking services. In a world becoming ...

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January 8, 2020

19 Things Your Millionaire Neighbor Won’t Tell You

By Len Penzo

Although having a million bucks isn't as impressive as it once was, most people still consider it as a sign of financial success. And judging by the number of actual millionaires enjoying life in the world today, there are apparently quite a lot of ...

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January 6, 2020

Black Coffee: News That’s Guaranteed to Make Heads Explode

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 weekend is ...

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January 4, 2020

100 Words On: The (Second) Best Stock Market Investing Tip Ever

By Len Penzo

Buy low and sell high; it's the ultimate investing tip, although never easy to execute. That's where the second-best investing tip comes in: control the risk that comes with investing. One of the best ways to do that is to have an exit strategy when ...

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January 2, 2020

4 Resolutions That Can Help You Improve Your Finances

By Sabado Domingo

As the days slowly grow longer, our thoughts tend to focus on the new year and all of the challenges that lie ahead. A new year can be a motivator in making some important changes in our lives; many people like to think of it as a fresh start when it ...

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January 1, 2020

Moron Alert: How One Man Paid $87,500 in Partially Avoidable IRA Fees

By Joe Saul-Sehy

Over the years I've read plenty of articles and blog posts about lying, cheating, and dumb advisors. While lying and cheating advisors are a topic for another day, I know from experience that there are plenty of morons in the advisory business. ...

Continue reading Moron Alert: How One Man Paid $87,500 in Partially Avoidable IRA Fees

December 30, 2019

Black Coffee: Closing Out a Decade of Decadence

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. I hope everyone is enjoying their ...

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December 28, 2019

8 Finance Rules To Live By In the New Year

By Sabado Domingo

We're about to ring in a new year; that means it's time to clean the slate, get rid of old baggage, amp up the exercise, and create new goals! So why not also make goals for your personal finances? For many, the new year is the right time to ...

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December 27, 2019

Grandfather Says: Twas a Time When Coal Was Used to Heat Houses

By RD Blakeslee

In 1930's Detroit, coal was the predominant fuel used for heating in the winter. The coal was delivered at grandfather's house by a chute from a coal delivery truck. The coal went through a basement window into a small room called the "coal bin." The ...

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December 26, 2019

4 Ways to Save Money On Long-Term Care Insurance

By Sabado Domingo

If you're like most other people, you're probably looking for a way to save money. If you're looking more closely at your budget, you're probably wondering about where costs can be cut, and where savings can be made. Cutting anything that isn't an ...

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December 25, 2019

Merry Christmas, Everyone!

By Len Penzo

Well, folks, I need to get my Christmas dinner in the oven today. I'm looking forward to enjoying a peaceful day with my family -- and maybe a football game or two! In the meantime, I just want to thank everyone who has taken the time to stop by ...

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December 25, 2019

Why Getting Preapproved for a Home Loan Is Important

By Enero Febrero

Buying a home is always a stressful time and you're going to want to make sure you have the funds for closing on your dream property. The best way of making sure your funds are in place to transfer when your house purchase closes is to follow the ...

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December 24, 2019

10 Things Most of Us Can’t Live Without Today – But Our Grandmas Did!

By Len Penzo

Last week my Gen Z kids and I were discussing modern conveniences that my grandparents didn't have. I think most people today would agree that life would still go on if we didn't have consumer products and services like GPS devices, plastic sandwich ...

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December 23, 2019

Black Coffee: The Fed’s Green Christmas

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. Merry Christmas, everyone! I hope ...

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December 21, 2019

7 Car Maintenance Tips Every Parent Should Share With Their Teenagers

By Tex Freitag

There comes a time in most parents' lives when they're pinning themselves against the passenger seat, hand firmly clutched around the grip handle, foot planted against the floorboard, as their beloved teenage driver takes to the road. In between ...

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December 20, 2019

100 Words On: Why It Pays to Keep It Simple, Stupid

By Len Penzo

Keep it simple, Stupid. That's something we've all been told at one time or another, for any variety of reasons. That's usually sage advice -- especially when it comes to managing your personal finances. There's no need to make things complicated. ...

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December 19, 2019

Should You Really Buy a Car Online?

By Sabado Domingo

The answer in many ways to a consumer's prayers, buying a car online can circumvent many of the unpleasant aspects of purchasing a new vehicle. On the other hand, this method also bypasses a number of factors key to getting the car you need. Thus, ...

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December 18, 2019

Is It Possible to Retire With a Million Dollars?

By Jeff Desjardins

For those of you still wondering if a million bucks is enough to retire on, this article by Jeff Desjardins from the Visual Capitalist will certainly put the concept of having a million dollars in perspective ... Being a millionaire is ...

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December 16, 2019

Black Coffee: The Fed Quietly Mans Its Battle Stations

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. Merry Christmas, everyone! I hope ...

Continue reading Black Coffee: The Fed Quietly Mans Its Battle Stations

December 14, 2019

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