Living on Nothing Because You’re Supposed To

February 12, 2014

Authors Note: this is an unpaid op/ed piece I wrote for the Ithaca Times newspaper which appeared on February 12, 2014. I’m a newly minted public assistance escapee. In other words, I gave up playing their game and decided it was best trying to work out life myself. Why? Because the hoops and barrels you […]

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Underearning and Making a Run for It

January 20, 2014

I wrote a post prior to this about having a B-rated life. With the analogy of how B-rated movies and their lower values and expectations could relate to your life. Today you get tips on how you can “make a run for it” to a better life if you think you are an underearner. Survival […]

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Do You Have a B Rated Life?

January 16, 2014

You’ve heard of “B” rated movies right? These are those movies that are low-budget, low-expectation and lower production value. Do you see your life in a similar fashion? If so you may have a B-rated life. Here’s how to find out. According to Brian Taves in the book “Grand Design” (Chapter 8), a B-rated movie […]

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Fewer Toys Makes Better Kids (and Adults) Trust Me

January 10, 2014

Happy kids all have toys they love and tend to use a lot. Is there ever too many toys? When is the amount of toys taking away from other areas of life? Do these problems follow the children into adulthood? My answer to all three questions is a resounding yes. I am not against having […]

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Top Six Personal Finance Mistakes I Learned Watching Other People

January 8, 2014

Do you do one of these personal finance mistakes? If you think you’re alone you’re not. I’ve learned the top six from watching other people. I’m a people watcher. I just notice things people do. A lot of the things I see are either just plain dumb, or make me wonder if they know they […]

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The Reason Reporting Suspect Charges on Debit Cards Matters and Why You Should Care

January 7, 2014

Fraudulent charges on either debit or credit cards cause similar trouble; but the laws protecting debit cards and credit cards are not. Here’s why reporting suspect charges on debit cards matters. Different Laws for Different Cards The Canadian Banking Association (CBA) is a banking association where the banking industry allows for zero responsibility should a […]

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A Unique Way to Deal With Holiday Credit Card Bills in the New Year

January 6, 2014

If you find yourself needing aspirin in January after looking at your credit card bill, you’re not alone. Most people don’t realize how much they actually owe until after the bill arrives. Say No to Plastic So, unfortunately for many people, the hard part comes first – putting down the credit card. If you’re going […]

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Using Plastic is Killing Your Financial Health

January 3, 2014

If you think using credit cards adds to your financial well-being, think again. Here are five signs that using the plastic may be killing your financial health. Are Your Personal Finances Dependent on Minimum Payments? At one point in time I used to hate getting mail in the middle of the month. That’s usually when […]

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Commercial Bank Gives Me Another Killer Reason to Avoid Bank Cards

January 2, 2014

Commercial Bank launches holiday credit card campaign. As personal debt builds up around the holidays it doesn’t seem surprising that credit cards offer specials anymore. What is surprising is how they front themselves as an alternative to cash in everyday needs. Here’s the case in point. I came across a website from the Middle East […]

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Five of the Countless Alternatives to Credit Cards

January 1, 2014

As the year closes with multiple news stories on credit card theft I wonder if people know there are viable alternatives to credit cards. A Simple and Easy Solution to Your Credit Card Problem Debit Cards – these cards have been in Europe for years and have made there way into the U.S. as well […]

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