Yes. There’s an ever increasing percentage of married couples in North American and abroad who want to remain independent and they keep their finances separate as part of that mindset. Each spouse takes their income, pays their half of the bills, and that’s that. There’s no communication about shared financial goals, neither really knows for [...]
June 29th, 2007 | admin | Comments | ContinuedArchive for June, 2007
How to Avoid Mutual Fund Fees
Mutual funds are great simple long term investments which allow you to diversify your holdings and gain solid returns. They are certainly not without their critics though. Some people claim that they charge excessive fees and some question whether or not the rates of return are what they claim to be. Fortunately most of the [...]
June 29th, 2007 | admin | Comments | Continued
Personal Finance Perspectives: iPhone Madness Edition
Well, It’s June 29th, and in about 8 hours every employee working at an Apple Store will be trampled on by a stampede of ravinous customers! Anyway, enjoy some of these great articles recently written up in the personal finance world .
It looks like all of the east cost personal finance bloggers had their second [...]
Seven Ways to Improve Your Career While Commuting To Work
For a lot of people, the time spent in the morning and evening come to and from work is wasted. Some people listen to the local talk station, others call their friends and associates. Did you know there are some productive things that you can do on your commute? You can even improve your career [...]
June 28th, 2007 | admin | Comments | Continued
Moving To the Country: Why It Might Be Cheaper
I have a few relatives in the state that literally live in the middle of nowhere. They live at least 50 miles away from a town of even 5,000 people. It’s hard to imagine, but there are a lot of people that do it. If you’re lucky enough to have a job that doesn’t depend [...]
June 28th, 2007 | admin | Comments | Continued
Business News: Who Not To Listen To
There’s a lot of good financial advice on personal finance blogs, in financial magazines, in the business section of major newspapers across North America, on the web, and on TV, but there’s just as much bad advice as there is good advice. People push bad financial products because they have a financial incentive to do [...]
June 28th, 2007 | admin | Comments | Continued
Goodbye 1995 Dodge Intrepid, Hello 2001 Dodge Stratus
I’ve had quite a bit of money sitting in my savings account for some time now which was designated for a new vehicle. After realizing that I was driving a vehicle that was worth no more than $1000 with a cracked windshield and no air-conditioning in the middle of June in South Dakota (90+ degrees [...]
June 28th, 2007 | admin | Comments | Continued
PAYjr: 21st Century Allowances for Your Kids
When I was much younger, back in my grade-school days, I would receive $1.00 a week if I had my room-clean on Saturday morning, and most of the time it wasn’t. I invariably would end up spending 2 or 3 hours cleaning my room so I could get my allowance. I’d take my $1.00, and [...]
June 27th, 2007 | admin | Comments | Continued
Municipal Bonds: Not As Boring of a Financial Topic as You Might Think!
When I first heard the term municipal bond in high-school, I figured it was some boring personal finance term that I would never need to use or ever consider caring about. I had my money in a savings account, and I figured there was no reason to put it anywhere else at the time, after [...]
June 27th, 2007 | admin | Comments | Continued
Personal Finance Perspectives: Summer Cleaning Edition
It’s been about a month and a half since my room-mates and I moved into our awesome new home on the edge of town, and it’s becoming very apparent that none of us are neat freaks. I’ve spent the last couple of hours catching up on some much needed cleaning, so at least our house [...]
June 27th, 2007 | admin | Comments | Continued
Prevent Impulsive Spending: Put Your Credit Cards on Ice
For whatever reason, a lot of us are naturally inclined to spend money, often in a very compulsive manner. We see an item that we like, we convince ourselves that we must have it, we tell ourselves about all the benefits from purchasing the product, we think it’ll add happiness to our lives. It could [...]
June 26th, 2007 | admin | Comments | Continued
Quit Getting Ripped Off By Gillette, Shave the Smart Way
There comes a time in every young person’s life when unwanted hair shows up, whether it’s one’s face, legs, or armpits, it’s time to begin shaving. Most of us get one lesson from our parents how to shave, and that’s about it. After we move out on our own and start having to buy our [...]
June 26th, 2007 | admin | Comments | Continued
A Look at My Retirement Planning Efforts
I don’t write too many posts about what’s going on my financial life, mostly because I figure that you’re all more interested in what’s going on in your financial life! I figured it wouldn’t hurt every now and then to share what I’ve been doing; maybe they’ll work for you if you’re at a similar [...]
June 26th, 2007 | admin | Comments | Continued
Maxed Out: Documentary or Political Hit Job?
James Scurlock has spent the last several years of his life creating a book and now documentary about the abuses of the credit card industry and banking as a whole on the American populace. Recently his documentary, “Maxed Out”, has become available for all of us to see on DVD. The film has already won [...]
June 26th, 2007 | admin | Comments | Continued
Making the Move: From Auto Loans to Paying Cash for Vehicles
When most Americans go out and buy a new vehicle, they have to get some sort of financing. This adds un-necessary interest charges, as well as forces you to get comprehensive insurance when you may not need it. It also enables to you buy vehicles that are in reality too expensive for you. It just [...]
June 25th, 2007 | admin | Comments | Continued
Answers to Common Mutual Fund Questions
Mutual funds have always been a great place to invest money over a long period of time, if you pick one out with low fees and a solid track record of making a very decent rate of return. If you’ve never invested before, it’s never too soon to start! You can invest for most commonly [...]
June 25th, 2007 | admin | Comments | Continued
Personal Finance Perspectives: A Case of The Mondays.
I just got back from a wonderful three day weekend camping with some friends, so coming into work this morning…not so much fun. We got 1.5” of rain the first night we stayed and got sunburned the next day, but it was still a ton of fun. Feel free to take a look at some [...]
June 25th, 2007 | admin | Comments | Continued
Seven Surefire Steps to Land Your Dream Job
If you’ve just finished college or are looking to make a change in your career, you’re more than likely to be interviewed several times for a number of different positions in the near future. Often we apply to jobs that we would love, even though we might not meet all of the qualifications, just because [...]
June 25th, 2007 | admin | Comments | Continued
How to Use Google Maps to Make Free Phone Calls
Google Maps and similar technologies have revolutionized cartography in the last decade. It’s hard to imagine that there was a time when people didn’t have instant access to nearly perfect directions to just about anywhere in the world. Now we have access to high-resolution satellite images, and even a view from the street in some [...]
June 24th, 2007 | admin | Comments | Continued
Why Not To Use Quicken and Microsoft Money
Technology has certainly made our lives a whole lot easier in the last couple of days. To imagine that there used to be a time where we had to read the newspaper to check the weather, or drive-by the movie theater to see when shows were playing. There are now specialized tools to simplify just [...]
June 23rd, 2007 | admin | Comments | Continued
Using Ethanol Blended Gasoline: Does It Make Sense?
Here in South Dakota, as well as some other mid-western states, “silver” grade gasoline is blended with 10% ethanol. Although ethanol is more expensive to produce than gasoline, you actually pay about 10 cents less per gallon for E10 gasoline because of government subsidies. Although the price appears to be easier on the wallet, burning [...]
June 23rd, 2007 | admin | Comments | Continued
How to Start Your Own Computer Support Business
How many times have you seen someone else’s computer bloated with spyware? How many small businesses have you seen running a few computers here and there with no backup to speak of? Perhaps there’s a company you know that has a website that looks like it came straight from 1995. Technology is proliferating like never [...]
June 23rd, 2007 | admin | Comments | Continued
Personal Finance Perspectives: Camping Edition
It’s been a while since I’ve done some links to what other personal finance writers have been created. I’ve been rather busy with life, but it looks like things are finally setting down here to where I can devote much more time to blogging. This weekend I get to take some time and relax out [...]
June 21st, 2007 | admin | Comments | Continued
Debunking Mutual Fund Naysayers
Mutual funds have consistently offered great returns over the long periods of time for several decades now. They take away the risk of investing in single stocks and are a great way to have a diversified portfolio and still make average rates of returns from 12-18%. There are still some people, most of them pushing [...]
June 21st, 2007 | admin | Comments | Continued
College Students: Get More for Your Used Textbooks
On the day that I first moved to college and had my very own half of a dorm room for the first time, I got in line to buy textbooks at the bookstore. I went in the middle of the day, so of course there was a huge line. I waited about 20 minutes to [...]
June 21st, 2007 | admin | Comments | Continued
Five Meals You Can Bring To Work for Under $2.00
If you’re doing the 8 to 5 thing, or something similar, you know that having a decent lunch on a regular basis can be a rather daunting challenge. The same food day in, day out, it gets old after a while. Eating out for lunch is fun, but after a while it can get very [...]
June 21st, 2007 | admin | Comments | Continued
Buying Jewelry On the Secondary Market: It’ll Save You Thousands
When most young men go out to buy an engagement ring or other piece of jewelry for the special someone in their life, they often go to the mall jewelry start and end up paying too much. Some of the more savvy individuals will buy from online retailers such as Blue Nile or from less [...]
June 20th, 2007 | admin | Comments | Continued



