I’ve been reading many blogs and message boards with tons of “advice” and opinions regarding financial matters.  One thing that I has really gotten me thinking was the whole debate about renting vs. owning both cars and homes.  It seems that many people dismiss the idea of leasing a car as being frivolous due to [...]

With the national savings rate at less than 1% of disposable income, the high cost of gas and other utilities, and interest rates at traditional brick-and-mortar institutions at miniscule levels, it is not surprising to me that many people say that it is not even worth saving money if they cannot earn anything on it.  However, when [...]

Back in March, I wrote a post regarding the increase in identity theft occurrances, questioning the need to pay firms to act as watchdogs when it can be done on your own at little out-of-pocket cost.  Well, it appears that you may be better off taking matters into your own hands after the founder of LifeLock [...]

Credit is always a hot-button issue.  There are many pundits who fault credit issuers for charging late fees and high interest rates while also blaming them for consumers getting into debt.  These people believe that credit is evil, the bane of society, the cause of all that is wrong with the county, etc.   While I am being a [...]

Everyone knows at least one person like this: never had responsibilities as a child, got everything handed to them no questions asked, cruised through college without having to work, got set up with a job and a plush salary, purchased clothes, cars, toys, and a huge house, then suddenly they start getting overdue notices and [...]