When I lived in New York City, money was a big concern, and food was a big part of that. I never went out to restaurants, and in fact the once-monthly trip to the grocery store was a big … Read More … Read More
Radical Finances
Why the Home Depot and Target breaches aren’t an argument for using credit cards
Another month, another major retailer announces that their internal records have been hacked, and their customer credit/debit card accounts stolen. This time it was 60 million accounts, making it the biggest breach ever. I was at dinner the other … Read More … Read More
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Don’t invest until you understand
Five reasons why you can’t afford to buy a home
It seems like lots of people I talk to these days are thinking about buying a home. Perhaps it’s the season, or the particular intersection of age and socio-economic background in the circles I travel in. Perhaps it’s coincidence. … Read More … Read More
The complicated ethics of peer-to-peer lending
“If you lend money to one of my people among you who is needy, do not be like a moneylender; charge him no interest.” – Exodus 22:25 “Neither a borrower nor a lender be, For loan oft loses both … Read More … Read More
Don’t plan for a 12% return (but earn it anyway)
WARNING: This post contains math. How much return do you expect to make on your stock market investments? (Don’t say zero.) There are those who will say that you can expect to earn a 12% return on your investments … Read More … Read More
Your bank statement is not a budget
I get pushback from people about budgeting all the time. This is because people mistakenly believe that a budget is something that prevents you from doing things. In actuality, the exact opposite is true: you create it, so determine … Read More … Read More
Is the Starbucks Rewards program a good deal?
Starbucks is one of those chains that people love to hate. Some may scoff entirely, preferring (arguably better) local coffee shops, while others go there five times a week minimum. Sometimes people complain about Starbucks while in line for … Read More … Read More