Addition By Subscription Subtraction

Addition By Subscription Subtraction

Anyone born before 1990 should remember Columbia House – the “world’s largest record club” – whose claim to fame was offering dirt-cheap music upfront to members who joined its mail-order subscription service. The company made billions by using something called...
Give It Away Now (A Modern Potlatch)

Give It Away Now (A Modern Potlatch)

Long before Marie Kondo had us magically tidying up our homes, keeping only the items that ‘spark joy’, the indigenous peoples of the Pacific Northwest Coast were giving it all away through an elaborate ceremony called a potlatch. The literal word...

Worthwhile Fees To Pay

There are some fees we just love to hate and so we try to avoid them at all costs. Whether it’s bank fees, credit card annual fees, or late fees at the library, the idea of voluntarily paying a fee is anathema to anyone with a frugal mind. But some fees can be...
Budgeting Basics For Your Financial Plan

Budgeting Basics For Your Financial Plan

Usually when someone reaches out looking for financial advice they want to jump right into investment selections or retirement planning. In many cases I walk them back to budgeting basics. Specifically, how much income do you bring in and where does all your money go?...
10 Financial Lessons To Share With Friends

10 Financial Lessons To Share With Friends

The personal finance community can be a bit of an echo chamber, reinforcing and repeating the same ideas on how to save, invest, and spend our money. This sort of tribalism can be intimidating for outsiders who are eager to learn but afraid to ask questions or know...

4 Big Rip-Offs To Avoid

I’ve made my share of bad financial decisions over the years, but nothing feels worse than when a salesperson convinces you to buy something that’s not in your best interest. These kinds of rip-offs usually occur when one party has more or better information than the...

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