dog wrapped in a blanket

A few days ago, a true cold spell rolled through our area, taking temperatures down to nearly -20 degrees Fahrenheit. Given that it was also a day where every member of our family had some business out and about, it meant that we were all exposed to the frigid elements. I don’t mind cold weather, but there comes a point where frigid temperatures become nearly painful to experience, and when you have to go outside for a particular errand, such …

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After completing college, you may feel overburdened by your student loan costs, but don’t fall victim to student loan forgiveness scams that offer false promises of easy debt relief. That’s not to say there’s no such thing as student loan forgiveness — federal loans really can be forgiven under certain conditions. But debt relief companies know that millions more people are struggling to repay student loans and, in response, they’ve set up programs that offer to help reduce your debt — …

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“31 Days to Financial Independence” is an ongoing series that appears every Thursday on The Simple Dollar. You might want to start this series from the beginning! Last time, we began to look at improving your income at your current job through a number of techniques that focused on improving job performance and making a clear case that you deserve better wages for your work. Today, we’re going to look at the next step in that wage earnings journey: getting …

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It’s nearly impossible to discuss the 2017 real estate market forecast without factoring in the Trump Effect. President-elect Donald Trump and his rhetoric, which may evolve into actual policy soon, will impact many aspects of the market in the year (or years) to come. The Trump administration is likely to usher in several major policies that could significantly change the long-term trajectory of the U.S. real estate market, including changes to immigration policy, tax cuts, and infrastructure spending. “The housing …

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Winter’s here, and if you’re anything like me, cold weather brings with it a strong desire to eat warm, hearty soups. And what is at the heart of every delicious soup? A tasty broth, of course. I misunderstood broth for most of my life. I thought the only way to make it was to buy a box of salty powder off the supermarket shelf and then mix it with hot water. Add in some cheap noodles and boom, you’ve joined …

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The Road Not Taken

December 22 2016

Two roads diverged in a yellow wood, And sorry I could not travel both And be one traveler, long I stood And looked down one as far as I could To where it bent in the undergrowth; We are faced almost constantly with choices. Walk into a supermarket and you’ll find literally tens of thousands of goods for sale, of which you’ll choose a few dozen to buy. If you find yourself without urgent tasks at work, what will you …

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Microloans and microcredit are a form of business funding that many people often associate with developing countries and particularly impoverished and disenfranchised populations. That may be due to the fact that microlending is generally considered to have originated in Bangladesh, where Grameen Bank founder Muhammed Yunnus began giving small loans to the rural poor decades ago. Such microloans, as Yunnus envisioned them, have many noble goals, including providing an alternative to loan sharks, supporting entrepreneurship, alleviating poverty, empowering women, and …

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The United States has a paycheck-to-paycheck financial culture. The truth is that 76% of Americans live paycheck to paycheck, with virtually no emergency savings to their names, and roughly half of all Americans will die with virtually no assets, not even a house. This is considered the norm in America, and that norm pervades a lot of the elements of day to day life. People spend until they can’t find any more money to spend and they follow people in …

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If you think this article’s title sounds a little dramatic, that’s by design. But the truth is, the condition of your credit actually has a massive influence over your life. Having bad or even mediocre credit can easily cost you hundreds of dollars a month, thousands of dollars a year, and tens or even hundreds of thousands of dollars over the course of your life. Your credit reports and credit scores are relied upon over and over again by companies deciding …

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What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Space heaters 2. Selling off engagement ring 3. Site layout help 4. Planning for health care 5. Challenges of cooking at home 6. Money talk with new wife 7. Legality of personal finance blog 8. Life insurance if insurer fails 9. How I use Evernote 10. Credit card …

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