Portrait of young man standing at the counter in his cafe. Coffee shop working in apron and hat smiling at camera.

Update: This post was edited on Sept. 18 to clarify the types of fraud alerts. By now you’ve probably heard that more than 143 million Americans were affected by a massive Equifax data breach. And I was one of them. Equifax is one of the three major credit bureaus, along with Experian and TransUnion. These agencies are the gatekeepers of your credit report, which means they have access to all of your credit information – name, birth date, Social Security …

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Earlier this month, Groupon announced new savings service Groupon+ (Groupon Plus), exclusive to Visa and MasterCard holders. Eligible cardholders can enroll for free and access cash back offers of up to 30% at local restaurants and other “neighborhood favorites.” And the best part is, there’s no need to print out coupons or hand over your phone at the end of a meal; Groupon+ deals are “voucherless.” When you sign up with Groupon+, you’ll receive cash back on your monthly statement …

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How the Other Half Lives

September 15 2017

My wife and I have a relatively vibrant social circle, filled with all different kinds of people. Some of them like to come over to play board games, while others love to swap six packs of our latest home brews. Some love potluck dinner parties, while others prefer to go out occasionally to really nice restaurants. Some like comedies, while others prefer dramas. There are moments when some of our friends do things that bring forth bits of jealousy in …

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One of the core principles that guides my financial life is the idea of finding the best “bang for the buck” for every dollar I spend. I try to seek out products that have the features I actually need for the lowest price, and I also consider things like the time cost of reusing things or the time cost of stopping at another store to save $5. In terms of stuff where I’m almost entirely concerned with function, this is …

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American Express and Delta enjoy a strong partnership. We consider the to be one of the strongest airline cards on the market today, offering cardholders the best travel perks available. Now they’re teaming up again, with the new . There’s no annual fee — that’s unusual among airline cards — and it comes with high rewards rate and a considerable signup bonus. If you’re a periodic Delta flyer, or even just an occasional traveler, this might be one of the …

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Finding Your Financial Flow

September 14 2017

Over the past few years, I’ve developed an insatiable appetite for financial literature. What you notice after finishing your 20th or 30th personal finance book is that things get to be a bit repetitive. This is especially true of the books that are aimed at a general audience. You can read only so many chapters titled “What’s Going on In Your 401(k)?” before the texts become visual Ambien. And yet, I continue to devour personal finance books, because there’s always …

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Nobody likes to attach a dollar amount to the joys of raising a child, but the fact remains that it can be quite expensive. This is especially true when it comes to raising a child with special needs. In fact, one study funded by Autism Speaks estimated the average lifetime cost to be $1.4 million for a person affected by autism. And that’s to say nothing of the other forms of special needs, which can include blindness, Down syndrome and …

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A few days ago, I was reading the news when I stumbled on an article I found both interesting… and appalling. CNBC explained that the new iPhone models would likely be more expensive than ever because of their pricier components. But, how expensive? The new iPhone 8, available for pre-order beginning this Friday, Sept. 15th, will start at $699 for the base model with 64 GB of memory. The 256 GB version costs $849. The larger iPhone 8 Plus, meanwhile, will cost $799 (64 GB) and …

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Morgan writes in: For the past four months I have worked at a small store here in town. I had plenty of hours over the summer and I worked about thirty a week. But in the last few weeks my hours have dropped to about ten a week. I need more hours than this. Should I quit? First of all, it is extremely difficult to find financial success when your hours are drastically cut. A cut in hours can take …

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A while back, I had an experience in a gift shop that really stuck in my mind. I was sitting on a bench outside of this gift shop waiting for my oldest child who was using a nearby restroom and I was gazing at what was going on inside the shop. I generally don’t go into gift shops that you find at museums or science centers or zoos, but I was curious and I had nothing else to do but …

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