Former Senator Barney Frank was on CNBC today talking about Dodd-Frank act, but that’s not what interested me today. What interested me today was that Barney Frank said that both J.P. Morgan and Wells Fargo (via Wachovia) were forced to take the bailout money. Former Senator Frank said that both banks did not want to […] The post J.P. Morgan Forced To Take Bailout Money?

Every wonder why Auto Insurance Rates differ in some states? Car insurance costs far more in some states than others. Insure.com reports that average annual premiums range from $934 in Maine to nearly $2,700 in Louisiana. Rates also exceed $2,000 in Georgia, Michigan and Oklahoma. A variety of factors influence prices in each state. State […] The post […] Read more:  Why Are Auto Insurance Rates Different In Some States?

I’ve been overzealous in my desire to save and invest more this year! My plan was to max out my both my 401k and my Roth IRA, but with a twist.  The idea was to use my employer’s ESPP to save for my Roth IRA (and this has been successfully done), but also to take […] The post Last Quarter Cash Flow Changes

“It was the best of times, it was the worst of times“, the quote from the book: A Tale of Two Cities by Charles Dickens best described my cash flow activity pattern for this year, so far. Let me explain… “Best of Time” Financial Perspective First, I now consider myself at the threshold of barely […] The post Both Best and Worst Personal Financial Times This Year So Far

Yesterday, I wrote about the most common fear of a Roth IRA, that I have talked to my friends about.  And that fear is putting the money into a Roth IRA, then needing the money, but not wanting to get penalized to do so.  What many people fail to realize is that you can take
[…] Read more:  Roth IRA Unusual Benefits Part 2

Pre-nups for the Middle Class? As a member of the middle class, I use to think that Pren-ups were for those people that were rich or had the ambition and drive to become rich.  You know Kim Kardashian (nice move on her part), Donald Trump and that level of rich… But Kevin at Thousandaire.com makes Does Prenups Make Sense For The Middle Class?

First let me start by saying I have the potential to be a money hoarder!  The only thing preventing me from being a money hoarder is I don’t have much money… Honestly, since freeing myself totally from debt, I’m still finding it hard to spend money. Oh sure, usually we go out to eat once Are You A Money Hoarder?

Frugality isn’t robbery, or at least being inconsiderate of others! As I mentioned in a previous articles, I’m starting to lose weight, trying to alter my lifestyle.  Part of my routine is eating two eggs in the morning for breakfast during the work week.  My morning stable has been two eggs.  I’ve actually always been Frugality Taken Too Far – The Great Egg Switcheroo

Let’s say it’s thirty years from now, and you’ve been a solid middle-income earner your entire life.  You were able to put some money in dividend stocks and mutual  funds that pay a dividend. With your dividend portfolio, you get by fairly nicely.  You might even be able to go on vacation every now and
[…] Read more:  Why Taxing Dividend Income Hurts The Elderly

The end of January was tough with two small health setbacks that in the past would have stall my progress on changing my lifestyle. Instead of embracing the setback, I thought of ways to use it to my advantage.  Very seldom in life is it an absolute “black or white” scenario, where it’s either one
[…] Read more:  Lifestyle Change Update – Moving Past The Setbacks