Radical Finances

Glass Globes

Past performance is no guarantee of future results, or is it?

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Any time you read any financial prospectus or ad, or watch a commercial about any investment opportunity, or really, ingest any financial media at all, one phrase will always show up in one form or another: “Past performance is no … Read More … Read More

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Pocket ledger

Keep a list of bill payment methods

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So just like with expenses, there are a number of methods which can be used to pay bills. And there are pros and cons to each method. One of the issues that comes up with bill paying is that you … Read More … Read More

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Old bank statement

What payment method(s) to use for bills

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Choosing your method of payment for things isn’t as straightforward as you might think. That’s why I created a short guide called “How to spend money“. But I was really just talking about expenses in that post. What about bills? … Read More

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Bracket

Don’t fear moving to a new tax bracket

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Do you know your tax bracket? I’d say a good number of people do. But do you know what happens when you jump up to a new tax bracket? I’d say a good number of people do not. Tax season … Read More … Read More

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Umbrellas

How much is that cheap thing costing you?

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I’m a big fan of purchasing responsibly. I’m not profligate with my spending, but I do feel like it’s important to spend a little extra on certain things that provide a significant return, be it personally or financially. But I … Read More … Read More

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Dollar Store

The moment I learned that dollar stores aren’t a good deal

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In 2003, I was living in New York City, working a retail job where I made around $13 an hour. (That’s a $26,000 salary equivalent.) My rent was $675, which meant that I was spending 50% of my take home … Read More … Read More

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$20 bill closeup

How to potentially double your money’s impact via lump sum debt reduction

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It can be hard to visualize how paying a debt off works. There’s an interplay between principal and interest. You pay money to reduce the principal, but during that time, interest on the debt has piled up, reducing the impact … Read More … Read More

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Monkey face rock

If you’re still unsure about what method to use to pay off your debt

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If you’re like most people, you’ve got some form of debt. It could be a car loan, it could be credit cards, or it could be “good debt” like student loans. No matter, it’s got to go. You need to get … Read More … Read More

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Crosshairs

Do you want to invest in a target date fund?

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In 2006, Congress passed the Pension Protection Act. It’s a scintillating read. Among much else, it provided statutory authority for employers to enroll workers in retirement plans automatically, and also established criteria of “safe harbor investments” to protect employers from … Read More … Read More

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Captain Obvious Reports: How not to have more credit card debt

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Sometimes I like to get deep into the rabbit role with details. The post I wrote immediately before this detailed the ins and outs of rebalancing your investment portfolio. An important topic to discuss, but it’s hard not to be … Read More … Read More

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