Republic Wireless

Several companies offer cellular service, but after trying many, I believe I have found the best.  Republic Wireless is an excellent low-cost, high-value, no contract cellular service.  I have been their customer since November 2013.  Two main features set Republic…

Millenials

As I was waiting for an elevator this morning, I stumbled upon a 2012 article from The Atlantic, titled “The Cheapest Generation” by Derek Thompson and Jordan Weissmann.  It examines the apparent aversion Millennials or Generation Y, individuals born in the…

chromebook

You haven’t noticed, but every post I’ve written has been done using a Google Chromebook.  Chromebooks are laptop computers which run Google’s Chrome Operating System.  They are budget-friendly, with prices starting under $200.  I freely admit, it’s a love story….

Acorns

Last week a friend sent me an email asking for my thoughts on a new startup out of Newport Beach, CA, called Acorns ­­– a finance company that allows individuals to “round up” purchases from their credit and debit cards…

backwards budgeting

I lambasted budgeting in my last post as a tedious, depressing, and flawed money management exercise.  Luckily for any budget lovers, Mark wrote a rebuttal post expressing his views on why budgeting is a beneficial skill.  I’ll leave it up…

Budgeting is a Necessary Skill

Budgeting is a necessary skill to learn and can be customized and applied to your specific situation to help maximize efficiency. Ryan wrote why he felt budgets produced “needless complication for the rather simple process with an end goal of…

Budgeting

In my mind, budgeting is the financial kool-aid advice we’re all told to drink if we want to be financially responsible.  I may have borderline OCD organizational habits when it comes to planning my finances, but creating and managing a…

Which is Better: Credit Unions or Banks?

Recently, a friend moved to my city and asked for a recommendation of a financial institution.  Without hesitation, I recommended a local credit union I have used for decades.  In my experience, credit unions rate better than banks. In the…

Ride the Coattails of the Oligarchy

An interesting paper recently came out from Princeton’s Martin Gilens and Northwestern’s Benjamin Page titled, Testing Theories of American Politics: Elites, Interest Groups, and Average Citizens, that doesn’t paint the rosiest of pictures of American democracy.  The gist of the…

Stock Market Is Rigged

Michael Lewis – author of Moneyball, The Big Short, and The Blind Side,  just released a new book on Monday that will hopefully shake up the financial world and the notoriously short attention span of the public.  The cloak-and-dagger publishing journey of his…

How To Organize Your Banking Accounts

Often, I think we take basic finances for granted.  “Everyone” has a checking and savings account.  But don’t be afraid to shatter that paradigm and organize your banking accounts in a way that will help you reach your financial goals…

sinking funds

How do you do handle regularly occurring, but non-monthly bills?  Car insurance, property taxes, life insurance, vehicle replacement, etc. are all expenses that are expected, but not paid monthly. Establishing sinking funds can help you stay on track with your…

Investing Order of Operations

Thinking back to your math classes in elementary school you probably learned about the order of operations, which clarifies the procedures that need to be performed first when solving an equation.  If you didn’t solve the problem in a specific…

My rent is a mortgage payment

It’s that time of year again, when I need to decided where I’m going to live for the next 12 months. This is a necessary evil for those who choose to rent instead of buying a mortgage…I mean a home….

Income Tax

Income tax filing season is upon us and most people either collect a refund or send in a payment.  However, the closer you can get your tax refund/payment to zero the better. Isn’t a large refund a good thing? Receiving…