Radical Finances

Floating ball

How float can help you track your expenses more effectively

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Let’s talk about float. As I’ve defined it before, float is the money in your checking account that is above and beyond your paychecks. It is a cushion for your day-to-day balance changes. Having adequate float in your account is … Read More … Read More

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Scribble Squiggle

Getting rid of PMI (part 2): The M stands for “misdirection”

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Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More

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Exasperated face

Getting rid of PMI (part 1): The P stands for “parasite”

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Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More

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Vishu Kani

Year in review 2016: Your top 10 favorite posts

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I wrote about my favorite posts for this year. But what about yours? Just like I did in 2015, 2014, and 2013, I ran a report and came up with the ten most-read posts for this year. … Read More

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Year in review 2016: My top 10 favorite posts

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What a year it’s been. This site has now been humming along for over four years now. As I continue to post twice per week, that means that there are over a hundred posts on this site over the past … Read More … Read More

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Avoid any mortgage company whose sales pitch involves misunderstandings of basic physics

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Sometimes, I see something that is too boneheaded to go unchallenged and un-poked-fun-at. (That’s a phrase, right?) It’s related to the post where I talked about the reverse mortgage, and why it’s a terrible idea. It also has to do … Read More … Read More

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How homeowners can go back into debt, lose their home, and pay for the privilege

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I’ve long said that if they are advertising something, you don’t need it. This was one of my very first blog posts from years ago, and I stick by it. Now “need” is different from “want”, of course. You may … Read More … Read More

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Half car

More lying with numbers: What it really means to be half-wrong about interest rates

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It is possible to lie with numbers, or at least mislead. We’ve seen this before when talking about how many hours you have available to work in a given week. It’s not the numbers that are doing the lying, of … Read More … Read More

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Library cubicles

How to lie with numbers: How many hours can you work?

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One might argue that numbers are apolitical. I mean, how do you spin the number 4? How do you argue about it? Whether to close the top loop or keep it open? There’s not much there. Unfortunately, numbers can be … Read More … Read More

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"Do Not Paint" sign

Should you get a loan to pay off your debt?

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Paying off debt is hard. It can feel like you’re not even making progress. Sometimes this is actually true. If you make minimum payments on your credit cards, you’re basically never going to pay anything off. And if you’ve got … Read More … Read More

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