Personal Finance Advice

Christmas and Chanukah and Kwanzaa are coming! That means that if you are a prudent shopper, you have been doing your holiday shopping for many months now. I am sure that all are doing a fine job of controlling their spending while they shop for holiday gifts but I wonder whether we are [...]

When I was a younger man, I used to spend most of my free time at night hopping from concerts to films to theatrical productions. It was easy then. I needed only to purchase tickets for myself and I could often find a way to get myself added to guest lists. As [...]

This week I was trawling one of my favorite message boards and noticed a thread on whether or not a child should have an expensive cell phone and, if so, should it be given as a gift for a big occasion, bought with the child’s own money, or just purchased outright by the parents. The [...]

There is so much involved when you are getting a divorce. The emotional shock seems to outweigh all else. You certainly don’t want to think about financial matters. But you must. Many unscrupulous lawyers make their monies on quick and dirty divorces. They don’t tell you everything that you need to know.
The following story is [...]

We talk a lot about money: How to get it, how to spend it, where to spend it, and how to save it. For all the time we devote to talking about, worrying about, and dealing with money, you’d think it was the most important thing in the world. If the time spent obsessing about [...]

Technology has made it much simpler to compare rates and find the cheapest prices for services and products. Why pull out the phone book to call several insurance agents to find the best price when you can visit one website to instantly get the most competitive price quotes? Why settle for paltry interest rates at [...]

Kids often view cash and gift cards as things that need to be used immediately. I recall how my now grown son spent all of his birthday money within two days after he had received it, often wasting it on things that he never used. When I voiced concern or suggested [...]

Not that long ago it was taboo to speak about money in public. But now, as with so many other things, talking about money has become more acceptable. I hear it all the time. Friends have asked me what kind of debt we have, wanting me to break it down into car payments, credit cards, [...]

I’m very careful with my money, but everything about it is not clear as crystal. Every year around January, questions I have to ask about taxes, income, claims and reporting. Later, around September, I do my business finances and re-configure my rates (I work on the school’s calendar year). I wake up and my [...]

Beer guys shouldn’t date champagne girls.
The party was out of my league. For the champagne girl, it was likely beneath her. Even though I knew this, I still approached her and struck up a conversation. In retrospect, I should have seen the car wreck coming 100 miles away, but there is something about [...]

Last weekend I got a call from my mom. She was cleaning out her house and came across my old Atari 2600. She asked if I wanted it back. I said heck yeah and took off to retrieve it. I’d forgotten all about the thing, but the minute I saw it the memories rushed back. [...]

It never fails: You encounter new people and the first question they ask is, “So, what do you do?” Occasionally you’ll encounter people that seem to ask this question out of a genuine interest in you and your life, but most of the time you can tell that it’s their way of quickly sizing up [...]

Maybe it’s just where I live or the places I go, but I have noticed in the past several years that, no matter the situation, the level of rudeness has increased. Whether it’s a the grocery store or an athletic event, it seems that more and more people are tossing civility out the window. Some [...]

I used to think that social class was directly tied to wealth — if you were rich, you were upper class; if you were poor, you were lower class. If you were neither rich nor poor, you were middle class. Of course, even then I had a sense that because “rich” and “poor” [...]

When people think about the best financial advice they have ever received, it usually comes from a family member, a close mentor or a financial guru. So it’s with a bit of embarrassment that I must admit that the best financial advice I ever received came from a call girl I slept with in my [...]

Depending on where you live, you may see copies of Christian business directories, the most well known of which is The Shepherd’s Guide, in businesses around town. Though the stated purpose of such directories is couched in loftier terms, their basic goal is to promote businesses owned by Christians to Christian customers, encouraging people [...]

I got a letter today from a soldier in Bagdad. She’s bored. She ranted about the perpetuality of her job, and the things she “always” does, and my first instinct is to send her another package. She suggested we send her microwavable add-hot-water foods, and movies. If it wasn’t for the cost of shipping [...]

I’m not a social butterfly by any means. Never have been; it’s just not in my makeup. I have a very small circle of good friends (like maybe four) that I’ve known most of my adult life and that’s about it. The rest of the people in my circle are acquaintances that come and go [...]

During the last Christmas season, Disney’s Club Penguin website allowed children who played its online games to donate their virtual earnings to help the environment, improve children’s health, or assist children in developing countries. Though players could use the coins to purchase virtual items to enhance the games, more than 2.5 million of them [...]

Before money existed, people exchanged goods and services through bartering. Even after money became the logical solution to the problem of finding someone who could offer what you wanted and wanted what you had to offer, bartering remained a viable alternative way to do business.
Today, as the Internet has enabled more [...]