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Musings on personal finance and more...

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Why frequent flyer miles but not grocery stores? A study in contrasting loyalty programs

I’m a big fan of collecting frequent flyer miles and points. While the airlines and hotels have done their best to devalue the extreme opportunities that there once were, I believe that there still are some great deals to be … Read More …

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Handholding

What to do when an emergency isn’t unexpected

I’ve long said that you can gauge whether something is an emergency if the following three “U” words describe the situation: Unexpected Urgent Unavoidable I use this metric to be able to distinguish between actual emergencies and things that feel like … Read More … Read More
Gift cards

How to offload (or combine) unused gift cards

After the debacle of trying to use a prepaid card to anonymously purchase VPN service, only to find that I couldn’t use it for purchases outside of the U.S., I decided to just buy the VPN service outright. But I … Read More … Read More
Cameras

Online trust, or How to figure out your biggest threats online

Greetings from Seattle, Washington! Actually, hello from Charlotte, North Carolina! On second thought, salutations from somewhere in Azerbaijan! It’s fun to be anywhere at the click of a button. By this I mean, anywhere as far as my computer traffic … Read More …

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Corner store

Why prices actually fall as you build wealth

Cost is a psychological phenomenon as much as it is a mathematical phenomenon. Back in my college days, the question was, which can I afford to get at Denny’s, a soda or fries? Could I afford to get both? (Actually, … Read More … Read More

Why prices will seem to change as you build wealth

(I don’t condone software piracy. But this is a story where some rules were bent. And then un-bent.) In college, when my income was basically nil, I was just starting to get into audio engineering. While I was primarily working … Read More … Read More
Statue blindfolded

How I tried to buy something totally anonymously online

My experiences with trying to buy something online without revealing anything about my identity, and why this is so difficult. (I talk about using products or services, but I received no commission for this. I do not do affiliate marketing. … Read More … Read More
Mask ornament

Why it’s so hard to buy online and maintain any privacy

In a perfect world, no one would have any right to know what I buy, where I go, and what I do unless I gave them that access. This seems rather quaint now. Today, everything you do is scrutinized, advertised, … Read More … Read More
Shadow selfie

I want you to be your own insurer

As I’ve stated before, I have a natural built-in aversion to many insurance products. Mainly, this is because they are so heavily marketed and advertised (and you know how I feel about that). I just am usually not convinced that … Read More … Read More
Safe door

Can your money ever really be safe?

I feel like there are a lot more radio programs of a financial nature than there used to be. This might be a confirmation bias, in that I’m seeking these things out. I could just as easily say that I … Read More … Read More

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