Tyron Jones

Car Insurance Expert

Tyron Jones is a car insurance expert that has operated within the auto insurance business for more than 10 years. He specializes in understanding the complicated nature of car insurance to help people find the best deal while ensuring they get the coverage that’s right for them.

Tyron began his career as a sales agent. He used his insight to work his way up the ranks, learning more about car insurance with every step. Now he works for himself and writes about auto insurance to pass his knowledge on to the general public. He feels that car insurance is important, but what’s more important is making sure people have the insurance they need and get it at a cost they can afford. That’s why he’s posted tons of articles and FAQs about the different aspects of the car insurance industry.

Tyron likes to golf and spend time with his two sons in his spare time. He’s also already on the lookout for insurance deals for them for when they start driving!

No Money Down Car Insurance: 0 Deposit & Low Payments

No Money Down Car Insurance: 0 Deposit & Low Payments

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Are you looking for affordable...

Liability vs Full Coverage Car Insurance

Liability vs Full Coverage Car Insurance

Tyron Jones Car Insurance Expert Updated: 11/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years. It’s exciting purchasing a vehicle, but something many people struggle with is finding the right car...

Car Insurance Grace Periods

Car Insurance Grace Periods

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Car insurance can be a complicated subject to get your head around. One tricky aspect of dealing with...

Help I Can’t Afford Car Insurance

Help I Can’t Afford Car Insurance

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you're the a owner, you're legally required to have a car insurance policy to drive your car in most...

Getting Insurance When Buying a Used Car

Getting Insurance When Buying a Used Car

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Buying a used car is a smart financial decision in most cases. You get a new, perfectly functional...

Why Is My Car Insurance So Expensive? + Least Expensive Companies

Why Is My Car Insurance So Expensive? + Least Expensive Companies

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you own a car, you know one of your most costly expenses is your auto insurance policy. Insuring...

Driving Safety: How to Help Someone with Alzheimer’s or Dementia

Driving Safety: How to Help Someone with Alzheimer’s or Dementia

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Staying safe is the most important thing when it comes to driving. That includes the safety of an...

Ways to Lower Car Insurance Rates [Money Saving Quotes]

Ways to Lower Car Insurance Rates [Money Saving Quotes]

Tyron Jones Car Insurance Expert Updated: 07/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Your auto insurance is often one of your primary expenses. While it can be painful having to pay...

Cheap Car Insurance for Leased Cars [Gap Requirements]

Cheap Car Insurance for Leased Cars [Gap Requirements]

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Every car and driver need to be insured to be on the road legally. However, the insurance process is...

Cheap Car Insurance for Bad Driving Records

Cheap Car Insurance for Bad Driving Records

Joanna Johnson Car Insurance Expert Updated: 06/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Shopping for car insurance can be a nightmare if you don't have a strong...

Why Did My Car Insurance Go Up?

Why Did My Car Insurance Go Up?

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Everyone who drives needs car insurance. That’s why it’s so frustrating when you go to renew your car...

Best Way to Shop for Car Insurance [Find Cheap Quotes]

Best Way to Shop for Car Insurance [Find Cheap Quotes]

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Everyone gets excited when looking to purchase a new car or, at the very least, a "new to you" car (a...

Cheapest Local Car Insurance Brokers Near Me

Cheapest Local Car Insurance Brokers Near Me

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you're searching for a car insurance policy, you have a range of different brokers to choose from....

Best Car & Home or Renters Insurance Bundle Comparison Quotes

Best Car & Home or Renters Insurance Bundle Comparison Quotes

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Everyone loves saving money on their insurance. Thankfully, modern insurance products offer a number of...

Best Military Car Insurance: Cheap Discounts for Veterans & Family

Best Military Car Insurance: Cheap Discounts for Veterans & Family

Tyron Jones Car Insurance Expert Updated: 01/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Everyone knows that military servicemembers face unique challenges in their day to day lives. However,...

Cheap Motorcycle Insurance Quotes: Compare Best Companies

Cheap Motorcycle Insurance Quotes: Compare Best Companies

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Everyone wants to drive legally when they’re on the road. One thing that’s essential to staying legal...

Best Pay Per Mile Car Insurance Companies Review: Is it Worth it?

Best Pay Per Mile Car Insurance Companies Review: Is it Worth it?

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  No one wants to pay more for car insurance than they have to. However, there are lots of drivers that...

10 Best Car Insurance Apps: Get Quotes and Manage Policies Easy

10 Best Car Insurance Apps: Get Quotes and Manage Policies Easy

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  OverviewThese days, there's a mobile app for nearly everything a person may need, and car insurance is...

Cheap Classic Car Insurance Quotes + Best Company Reviews

Cheap Classic Car Insurance Quotes + Best Company Reviews

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  You don’t treat a classic car like an Elantra, Escape, or even an Escalade and any other daily driver....

Cheap Same Day Instant Car Insurance [Online Now]

Cheap Same Day Instant Car Insurance [Online Now]

Tyron Jones Car Insurance Expert Updated: 01/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you need auto insurance today, you might be wondering if it's possible to purchase 'same-day'...

How to Switch Car Insurance Companies Before Renewal Date

How to Switch Car Insurance Companies Before Renewal Date

Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Sometimes your auto insurance is no longer adequate for different reasons. When a policy holder needs...

Cheapest SR22 Car Insurance Quotes + Best Companies

Cheapest SR22 Car Insurance Quotes + Best Companies

Cheapest Car Insurance Rates for July 2020 Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  No one wants to pay more than they have to for car...

Cheap Car Insurance for Senior Citizens + Best Rate Discounts

Cheap Car Insurance for Senior Citizens + Best Rate Discounts

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Senior citizens may not be aware that if your driving abilities remain the same, and if your record...

Cheap Non Owner Car Insurance: Best Quotes + Cost

Cheap Non Owner Car Insurance: Best Quotes + Cost

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you're a licensed driver but don't currently own a car then you may be in need of non-owner car...

Cheap Temporary Car Insurance (Short Term & Month to Month)

Cheap Temporary Car Insurance (Short Term & Month to Month)

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Temporary car insurance protects those using a car for only a short amount of time. Although you may...

Cheap Car Insurance for Bad Credit + No Credit Check Companies

Cheap Car Insurance for Bad Credit + No Credit Check Companies

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  While most people are aware that a credit score can impact the ability to take out a personal loan,...

Rideshare Car Insurance: How Much is Each State + Cheapest Companies

Rideshare Car Insurance: How Much is Each State + Cheapest Companies

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Why do you need extra Rideshare Insurance? Automotive insurance is made more complicated if you drive...

Cheap DUI Car Insurance: Best Companies & Rates for Offenders

Cheap DUI Car Insurance: Best Companies & Rates for Offenders

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Being found guilty of driving under the influence (DUI) carries a variety of negative consequences,...

Cheap Car Insurance for High Risk Drivers: + Best Companies

Cheap Car Insurance for High Risk Drivers: + Best Companies

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Once you are designated as a high-risk driver, you are going to automatically encounter more challenges...

How Much is Car Insurance? Average Cost People Pay Per Month

How Much is Car Insurance? Average Cost People Pay Per Month

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  This article will help you understand how much car insurance is in different situations. You should use...

5 Benefits (I Guess) To A Wet And Cool Early Summer

I don't know about anywhere else, but Michigan was pretty wet and cool from May to mid-June.  That's late spring and early summer.  At least it is normally around here.  This year, it felt like we were about a month behind.  Only now, as of June 26th, are we coming to...

2020 Erie Auto Insurance Company Review: Compare Quotes

2020 Erie Auto Insurance Company Review: Compare Quotes

Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Highlights Low customer complaints than the industry average Client satisfaction scores are better than...

2020 Mercury Auto Insurance Company Review: Quotes Comparison

2020 Mercury Auto Insurance Company Review: Quotes Comparison

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Founded in 1961, Mercury Insurance is based and headquartered in Los Angeles. Most consumers know...

Aretha Franklin’s Estate Is A Mess & Nobody Is Surprised

Aretha Franklin was a local legend around these parts.  Raised in Detroit, she became famous and was one of the most famous and influential singers of her time.  Her records sold millions, and she was popular from the 1960's all the way through her death in 2018.  Her...

AAA Car Insurance Company Review: + Online Rate Quotes

AAA Car Insurance Company Review: + Online Rate Quotes

Tyron Jones Car Insurance ExpertUpdated: 11/2019 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Company Overview AAA Auto insurance Company is one of the oldest firms in the country. It has has been...

Who Are the Worst U.S. Drivers By City & State

Who Are the Worst U.S. Drivers By City & State

Tyron Jones Car Insurance ExpertUpdated: 7/2019 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Driving in the United States is one of those skills that inherently improves with experience. Yet, for...

Commercial Real Estate Risk Signaled By For Sale Signs?

My office is located in a office / manufacturing park.  There are probably 30-40 buildings clustered.  Recently, I couldn't help but notice many For Sale signs.  I drive past about twelve buildings on my way to my office, and there were recently six for sale. On the...

Allstate vs State Farm Car Insurance Review

Allstate vs State Farm Car Insurance Review

Tyron Jones Car Insurance ExpertUpdated: 7/2019 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Car insurance is a very competitive business among many companies in the US. This means that car owners...

Tipping On Carryout Orders – Yay Or Nay?

Lines on credit card receipts for tips have popped up everywhere.  It used to be that sit-down service was the only place where a tip applied.  Now, that is not so much.  Tipping on carryout orders is now a fairly common practice.  At least, if you believe how often...

10 Great Father’s Day Gift Ideas

Father's Day is just around the corner.  I don't know about you, but it seems like dads are the hardest to buy for.  I've found that about my dad, and I've been told it applies to me.  I guess either we have simple needs or we just buy things ourselves.  It's probably...

Geico vs Progressive Car Insurance Review

Geico vs Progressive Car Insurance Review

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Progressive and GEICO are both insurance companies that have a tremendous amount of media presence. For...

Do You Do Easy Or Difficult Tasks First?

I don't know about you, but I sometimes struggle to get motivated.  There are certain days when getting going just doesn't seem to be in the cards.  For someone like me, this can be a big problem.  I tend to be a lot more productive in the morning than during any...

Cheap Car Insurance for Good Students + Best College Discounts

Cheap Car Insurance for Good Students + Best College Discounts

Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Affordable car insurance has proven to be a challenge for today's students...

Our Experience Selling A Used Camper

Anyone who reads this blog regularly knows that we love to camp.  We spend about 25 nights per year camping.  We've only done Michigan state campgrounds.  Luckily they are pretty great places to camp.  Well, after seven seasons of camping in our old camper, we decided...

Prevent Costs By Replacing Items Before They Fail

It is nearing time for us to replace a couple of critical items.  They both live in our basement and they both tie with water.  Those aren't the only things they have in common.  Both items currently work well.  But, both of them are on my list to get replaced.  We...

2019 Goals – April Check In

We are a third of the way through the year.  Actually, a little more than that.  I've been tracking my goals all year.  I wanted to provide an update for my 2019 goals in April. As a reminder, I track my goals numerically. I did make a change to a goal structure this...

7 Steps To Fix Your Overspending Problem

If you've found yourself with an overspending problem, you're not alone.  Many Americans find that they are spending more than they bring in.  This might be a long-term or short-term problem.  Either way it really doesn't make a difference.  The fact is that you must...

Our Madeira Beach Trip – 2019 Edition

Earlier this month, our family took a Florida trip for spring break.  This has become somewhat of a tradition for us.  It's our third year in a row staying there.  We look forward to it, and have lots of great memories to add from this year's adventure.  I thought I'd...

10 Money Spring Cleaning Tips That Will Help All Year

Spring is here.  That means it's time to start cleaning.  Many people clean their house or their yard.  Even cleaning out the car feels great after a long winter.  It's also a great time to give some attention to your money.  Last year I gave a few money spring...

Are You Keeping Your Fundraising Cause In Mind?

Fundraising can be a noble thing.  If you have a solid fundraising cause, it can provide great benefit. Raising money to cure or prevent disease, or to help people is great. But here at work, an ongoing fundraising campaign is missing the mark. Missed The Mark On...

Friday Favorites Roundup – April 19, 2019

Baseball practice has started for my son.  This is his third year playing.  We switched him over to Little League this year.  The past two years we used a city-sponsored organization, but we ran into an increasing number of problems.  There was a disparity in team...

2019 Goals – March Check In & Evaluation Of My System

This year I set 12 goals that I could track numerically.  This means that I can track them by percentage complete.  The design of this is that I can track my success with real numbers.  Now that we're a quarter of the way through the year, I'm seeing drawbacks and...

Proud Parent: My Kids Are Doing Cool Things

Every now and then it just feels good to brag about your kids.  What mom or dad doesn't love being a proud parent? Today seems like one of those days!  Here are a few things that my kids have been up to.  I love seeing them grow and find their own interests....

Hoping For Good Neighbors

We will soon have two sets of new neighbors.  Now we just need to hope that they are good neighbors! Our Soon To Be New Neighbors We have neighbors on four sides of us.  One set of neighbors on either side of us, one behind us, and another set across the street. We'll...

The Importance of Teamwork

My son finished his basketball league recently.  This was his second year playing team basketball.  As I watched the final seconds tick down, I was sad that his time was ending.  I watched all of the games he played in, as well as practice.  It hit me that there was a...

9 Things To Look For When Choosing A Bank

We have been really lucky in that we've used the same bank for over a decade.  Both my wife and I used the same bank before we were married.  Once we combined finances, it was a pretty easy choice.  But, what if you need to choose a bank?  Whether you're looking at...

How One Local Brick and Mortar Store Is Keeping Up With The Times

The apparent death of the brick and mortar store is well documented.  And, with pretty good reason.  At least once per week, we see another big name store closing up shop.  Toys R Us.  Payless Shoe Source.  Gymboree.  These are just a few of those that hop right out...

Comparing Annual Household Expenses

I thought it would be interesting to look at our annual household expenses between 2017 and 2018. I wanted to see what changed. Did we spend more? What about less? I didn't look at every expense item, but focused on some that stood out. In the end, I picked twelve...

Aligning Actions And Goals To Drive Success

When you set goals for yourself, you are looking to improve something, right?  Chances are this is the case for most goals.  This can apply to personal goals, financial goals, or any type.  So why is it that so many goals fail?  Surely we have good intentions.  I...

The Importance Of A Qualified Real Estate Agent

Our neighbors across the street are selling their house. I'm not sure what it is about this house, but nobody ever stays long. Actually, the sellers have probably been there the longest. It seems that whoever moves there gets taken away by a new job within a few...

Five Ways To Make More Money

Everyone wants to make more money. Often times we look around and see other people doing well, and we want more for ourselves. This is natural. But how do we make more money? Here are a few quick ideas. These are not guaranteed to work, but if you don't try, there's...

2019 Goals – February Check In

For 2019,  I set twelve goals that I could track.  This year I set goals that were numbers based.   I can track their completion, and see how I'm trending throughout the year.  With two months in the books, I am happy to say that I'm sticking with my goals.  I'm...

Spring Forward And Change The Smoke Alarm Battery

Believe it or not, spring is coming.  At least according to the calendar.  We've had a pretty snowy and cold few weeks here in Michigan.  It certainly doesn't feel like spring is on the way.  But, it is!  One way you can tell is that the 'spring forward' clock change...

How We Avoided A Smaller Tax Refund (And What We’re Doing With It)

Have you done your 2018 taxes yet?  Are you one of the unfortunate people who are seeing a smaller tax refund this year?  If you are, I hope that it won't impact your finances in a negative way.  Thankfully, we were able to avoid a smaller tax refund this year. How We...

Review of Great Wolf Lodge Mason, Ohio – February 2019

Great Wolf Lodge is one of our favorite family places.  It's become a tradition that we go during the kid's mid-winter break.  We've even snuck in a couple of extra trips.  This year's trip was to be our 7th experience at a Great Wolf Lodge. So, we decided to try...

10 Free Things To Do On A Day Off

If you have a day off, you might be looking for something to do.  But, not everything has to cost money.  Sometimes you can find free things to do that give you as much satisfaction as things that cost money.  That's a bonus, plus you have money in your pocket.  Who...

10 Ways We Plan To Get Rid Of Clutter Fast

Sometimes looking around our house stresses me out.  And it's not just the house, either!  Clutter can take over very quickly.  Even after you reduce your clutter, it comes back.  Clutter is something you have to stay on top of.  As I've looked around my house, and my...

Don’t Pay With Cash Unless You Have To

Do you pay with cash or swipe a card?  Some will swear that paying with cash can save you money.  After all, you're only spending what you have on hand.  This is definitely true, but that doesn't mean cash is king. Why We Don't Pay With Cash For our spending purposes,...

What Does No-Fault State Mean?

What Does No-Fault State Mean?

Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. No-fault insurance means that an automotive insurance provider pays for a...

3 People Who Beat Their Debt (And How)

Debt is a scary thing. Every year, out-of-control debt causes about 770,000 individuals to file for bankruptcy. But this is a last resort option that can destroy your credit and make life more difficult; often for years to come. Fortunately, there are ways for people...

12 Easy Ways To Save Money

Everybody wants to save money, right?  Saving money gives you opportunity and financial security.  If you want a few ideas on how to get started, here are a few. Our Tips For Saving Money Before we get started, let me just point out that these are things we do to save...

Estimate Average Auto Insurance Costs + Monthly Payment Calculator

Estimate Average Auto Insurance Costs + Monthly Payment Calculator

Tyron Jones Car Insurance Expert Updated: 12/2019 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Car insurance rates differ from state to state and from insurance company to insurance company....

2019 Goals – January Check In

This year I set twelve goals that I could track numerically.  Each goal is pretty cut and dry.  I'll either hit it or I won't.  Now that January is wrapped up, here is my update for the months. January Highlights Sick.  I got a pretty nasty cold that kept me slowed...

7 Small Money Wins I’ve Had Recently

Saving money doesn't have to be all about big events.  Sometimes a small money win is all you need to build some momentum.  I wanted to sit down and come up with a few money wins that we've had recently. Small Money Wins Add Up Big The thing about little bits of...

Who Has The Cheapest Car Insurance? (2020 Update!)

Who Has The Cheapest Car Insurance? (2020 Update!)

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Car insurance is one of those things that you simply need to have. However, that doesn’t mean that you...

Are Certain Cars More Expensive to Insure?

Are Certain Cars More Expensive to Insure?

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Have you ever wondered why your car insurance rate differs from another person? You might be driving...

Deciding When To Replace CFL With LED Bulbs

This blog has been around long enough that I wrote about CFL bulbs when they were new.  Now, they're yesterday's news.  The newest standard is LED bulbs.  I've been having a debate about when to replace CFL with LED bulbs.  Read why. Do You Replace CFL With LED Bulbs...

Check Vacation Prices Even After You’ve Booked Your Trip

Our family has a tradition of going to a water park during mid-winter break.  This break falls in mid-February every year.  The kids love it and we enjoy the getaway as well.  Until last year, we'd gone to Great Wolf Lodge every year.  Last year, we tried Kalahari, a...

How to Prepare for a Successful Tax Season

There’s just something so fresh and motivational about January. Between New Year’s resolutions and fitness goals, renewed commitments to organization and financial responsibility, the list of things we can accomplish in January seems almost super-human. Use this...

Our Old Carpet, Old Furnace, And Other Worn Out Stuff

Our house is 20 years old this year.  That's getting to the point where many things original to the house are wearing out.  We already replaced our roof a few years back.  That was no fun!  But, now we've got a list of things that are getting old.  These things are...

11 Tips To Excel At Work This Year

Have you set your goals for 2019 yet?  I'm sure everybody has at least some, right?  Do your goals include any that tie to your career?  Do you really have what it takes to excel at work? The Importance Of Success At Work Success at your job is key to a happy and...

I Finally Bought A Smart Thermostat

We have a programmable thermostat that came with our house when we purchased it.  The thermostat is a Honeywell, and it's worked pretty well.  I have always heard about a smart thermostat, but have resisted for a variety of reasons. I was waiting for the perfect set...

Setting 2019 Goals By The Numbers

It's 2019 and that means it is time to set goals for the year.  I am a huge fan of setting goals, but I'm going to try something new this year.  I'm listing twelve goals below, but each one is quantifiable.  I set goals last year, but looking back, they were very...

11 Days Of Fun Over Holiday Break

I went back to work on Wednesday after eleven days off.  It was a fantastic time off.  Our family did many wonderful things over the holidays.  Honestly, when I walked back in, it felt like I had just left, simply because of the whirlwind of activity.  Here was just...

What Type of Car is Cheapest to Insure

What Type of Car is Cheapest to Insure

Joanna Johnson Car Insurance Expert Updated: 1/2019 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Car insurance is one of those necessary things that no one really likes to...

How to Insure a Car in Different Scenarios

How to Insure a Car in Different Scenarios

Joanna Johnson Car Insurance ExpertUpdated: 7/2019 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. There are a ton of different scenarios that can involve a car. Therefore,...

5 Ways Our HDHP Costs Have Become More Expensive

Happy New Year!  If you have health insurance through your employer, by now it's kicked in.  We stayed with the same plan as last year.  Our family used a HDHP (High Deductible Health Plan) with an HSA (Health Savings Account).  My employer raised...

10 Tips To Nail Your New Years Resolutions

New Years is coming up.  That means only one thing.  It's time for New Years Resolutions!  Now, I know that everybody comes up with these, right? I do.  But how often do we succeed at them?  If you're like me, you hit some and miss quite a few.  It's a time honored...

A Starr Is Gone Too Soon

I remember the first call I got from my wife about Jessica Starr.  It was in 2012.  She called to tell me that the new meteorologist on one of the local stations had been a good friend of hers from high school.  They'd lost touch after high school, but reconnected on...

Insurance and/or Driving Without a License

Insurance and/or Driving Without a License

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Anyone caught driving without a license will face serious consequences. Those driving on a suspended...

About Clark Griswolds Swimming Pool From Christmas Vacation

One of my favorite Christmas movies is National Lampoon's Christmas Vacation.  I laugh pretty much from start to finish at that movie.  It's hard to believe that it's almost thirty years old (which is why this post is full of spoilers).  But then again, it is most...

Average Miles Driven Per Year or Month Per Person for Each State

Average Miles Driven Per Year or Month Per Person for Each State

Tyron Jones Car Insurance ExpertUpdated: 11/2019 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Most people have no clue what the average number of miles drivers drive per year is. When you take all...

What is Accident Forgiveness and Who Offers it?

What is Accident Forgiveness and Who Offers it?

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Millions of individuals are looking for the best deal possible on their car insurance. They want to...

Reduce Auto Insurance Cost: + Low Income Rates & Discounts

Reduce Auto Insurance Cost: + Low Income Rates & Discounts

Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Car insurance protects you in the event of an accident or issue. However,...

Thoughts On Selling On Facebook Marketplace

In the past, I've sold some items on Craigslist.  While I love selling online, it's no longer my go-to site.  I have started selling on Facebook Marketplace. Why Facebook Marketplace Facebook Marketplace was rolled out a couple of years ago.  With so much selling...

Buy Cheap Auto Insurance Online [Compare Rates + Zip Code Tool]

Buy Cheap Auto Insurance Online [Compare Rates + Zip Code Tool]

Joanna Johnson Car Insurance Expert Updated: 01/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Have you wondered why you pay a certain amount for auto insurance while...

Do Speeding Tickets Affect Insurance?

Do Speeding Tickets Affect Insurance?

Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Many motorists fear being issued a speeding ticket for several reasons, one...

How Does Car Gap Insurance Work: Is it Worth it?

How Does Car Gap Insurance Work: Is it Worth it?

Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. When financing an automobile, a major problem involves depreciation. Your...

Common Auto Insurance Deductible Questions Answered

Common Auto Insurance Deductible Questions Answered

Joanna Johnson Car Insurance Expert Updated: 1/2019 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. It’s not rocket science, but on the other hand, it’s also not something many...

Insuring a Car With a Rebuilt Title: Salvage Insurance

Insuring a Car With a Rebuilt Title: Salvage Insurance

Cheapest Car Insurance Rates for July 2020 Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. The exact definition of what a...

Are Interest Rates Really Too High?

The stock market has been a mess over the last couple of months.  I guess after almost a decade of solid growth, it was time.  Of course, our President has a different thought.  He blames high interest rates.  The President has been pushing the Federal Reserve to...

Should Married Couples Use Coupons On A Date Night?

A few years back, my wife and I were in a small group through church.  This was an interesting experience.  Our church is very large.  In order to gain a more personal experience, they encourage small group participation.  We haven't done small groups in a while, but...

Financial Moves In The Event Of A Job Loss

The economy is rolling but it might not always.   In fact, things won't always be so great.  It's just the cycle of economics.  I've been at my job for 12 years.  It's great and I feel secure, as I'm sure do many.  Still, it never hurts to prepare in the event of a...

How We’re Trying To Support Local Business

As more and more stores close, one thing is clear.  It's important to support local business.  During our last recession, Michigan was hit very hard.  The recession here started a couple of years before it hit the rest of the country.  Unemployment was worse than most...

Alternatives To Raking Leaves

Fall is in mid-swing.  Shorter days. Cool days and nippy nights.  Beautiful colors.  Falling leaves.  Cider mill trips.  Hay rides.  There's a lot to love.  One thing that many do not love is raking leaves.  But, I'm here to tell you that you don't have to!  There are...

When I Once Helped Somebody To Be Frugal

It's always nice to help someone, right?  Helping people makes you feel good, and (hopefully) them as well.  Here in the finance world, helping someone to save money is always a goal.  This is a look back when I once helped somebody to be frugal. A Simple Conversation...

3 Money Tips to Keep Married Couples Happy vs. Hostile

Recently, we looked at 8 tips for newlyweds in debt. Indeed, while it’s admittedly not as romantic as talking long walks at dusk, making wise and practical money-related decisions is not just important for a happy marriage.  In fact, it’s essential! Why essential?...

Cheapest Car Insurance Rates: Best Comparison (2020)

Cheapest Car Insurance Rates: Best Comparison (2020)

Joanna Johnson Car Insurance Expert Updated: 12/2019 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. What Factors Affect Car Insurance Rates? Age Type of Car State Driving...

Some Cub Scout Camping Tips To Know

My son is in Cub Scouts.  We just went on our fourth camping trip in the time he's been a scout.  We always have a great time.  The Cub Scout ranches that our pack visit offer many similar activities.  There are cabins for sleeping. They have areas where you can pitch...

Cheap Car Insurance Quotes: Free Comparison Online

Cheap Car Insurance Quotes: Free Comparison Online

Cheapest Car Insurance Rates for April 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.Grabbing the really cheap...

Best Cheap Auto Insurance Companies Near Me

Best Cheap Auto Insurance Companies Near Me

Cheapest Car Insurance Rates for April 2021Tyron Jones Car Insurance Expert Updated: 11/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Choosing the right insurance company is a complicated...

Cheap Liability Only Car Insurance Coverage

Cheap Liability Only Car Insurance Coverage

Cheapest Car Insurance Rates for July 2020 Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Ways to Get Cheap Liability Car Insurance Study the...

8 Tips For Newlyweds In Debt

If you're a recent or upcoming newlywed, congratulations!  This is an exciting time, of course, and there's so much ahead!  You've got many things to look forward to.  However, if you're like many newlyweds, debt is a part of your life.  Nobody likes debt, but most of...

Will Red Tide Ruin Our April 2019 Vacation?

For a couple of years now, we've enjoyed spring break in Florida.  We rent a condo and enjoy a week at the beach.  The building has a great pool and a great view.  In addition, it's near lots of great restaurants and places to go.  Both in 2017 and 2018 we booked the...

Everyone Might Get Lucky Every Once In A While

I don't consider myself a lucky person.  My grandmother, on the other hand, now she was lucky.  Her and my grandpa went every year to Las Vegas, and it seemed she always won.  When she went to play bingo, she often came home with money.  She was once on the TV lottery...

Cheap Full Coverage Car Insurance Quotes

Cheap Full Coverage Car Insurance Quotes

Cheapest Car Insurance Rates for July 2020 Tyron Jones Car Insurance Expert Updated: 05/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you own a vehicle and want to keep it covered against all...

9 Tips To Take Care Of Your Roof

We replaced our roof a few years ago.  It cost us a lot of money.  Chances are if you own a home for a long period of time, you'll have to replace the roof.  Once you do, you'll want to keep it lasting for as long as possible.  With winter just a few months away, give...

In Search of Debt Relief? Read This.

Finding yourself in more debt than you can bear? You wouldn’t be unique. Overall American credit card debt reached $927 billion in 2017, a five percent increase, according to NerdWallet. As you can imagine, this means that the average American household with credit...

We Sold Our Camper!

What a whirlwind few days we had.  As you may remember, we had been considering selling our camper.  We decided to give it a shot, and wow!  We sold our camper in record time. Deciding On A Sale After I wrote the article in late August, my wife and I had a serious...

7 Ways For Families To Manage Student Loan Debt

If your family has student debt, you're not alone.  If you feel like it's a mountain with no end in sight, that's also quite normal.  The fact is that student loan debt is a huge part of our lives.  Some people think that their debt is something they'll have to deal...

10 Ways To Nail Your Job Interview

So you found the perfect job.  There's only one problem.  First, you have to nail your job interview.   Well, actually you need to get the job interview first.  But once you get it, you need to stand out.  Here are some ways to nail your job interview. Dress Nicely...

5 Ways to Save for Retirement

Everybody dreams of retiring in their 60s and enjoying all the things they've put off for the last few decades. Unfortunately, the reality is that it takes a lot of planning to be able to retire at all, and many people never get that chance. If spending your days away...

6 Grocery Store Tricks They Don’t Want You To Know About

Grocery shopping.  Is it ever anybody's favorite time of the week?  No, but it has to get done.  So, we go.  We look for ways to save money.  And, many times we walk out feeling victorious.  But, did you know that grocery stores have tricks up their sleeves? Yep. ...

Cheapest Auto Insurance in San Francisco, CA

Cheapest Auto Insurance in San Francisco, CA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentSan Francisco is the second largest city in the state of California –...

Cheapest Auto Insurance in New York, NY

Cheapest Auto Insurance in New York, NY

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentNew York City, New York – the most famous city on planet earth. What...

Cheapest Auto Insurance in Phoenix, AZ

Cheapest Auto Insurance in Phoenix, AZ

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentPhoenix is the largest city in Arizona – it also happens to be the...

Cheapest Auto Insurance in Lakeland, FL

Cheapest Auto Insurance in Lakeland, FL

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentLakeland is one of the most popular inland cities in the state of Florida....

Cheapest Auto Insurance in Springfield, MO

Cheapest Auto Insurance in Springfield, MO

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentSpringfield is one of the largest cities in the Midwestern state of...

Cheapest Auto Insurance in Fresno, CA

Cheapest Auto Insurance in Fresno, CA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentFresno is one of California’s most popular inland cities. Visitors to the...

Cheapest Auto Insurance in Portland, OR

Cheapest Auto Insurance in Portland, OR

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentPortland, Oregon is one of the most popular outdoor cities in the...

Cheapest Auto Insurance in Boston, MA

Cheapest Auto Insurance in Boston, MA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment SR-22 Car Insurance Rates after DUIBoston is one of America’s most famous and historic cities – it played a...

Cheapest Auto Insurance in Tucson, AZ

Cheapest Auto Insurance in Tucson, AZ

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentTucson is one of the largest cities in the state of Arizona – it’s...

Facing Facts: Our Old Camper Is Near The End Of The Road

I've written a few posts over the year about our camper.  From our first post announcing we were considering the idea to our posts about subsequent misadventures, we've chronicled our journey well.  The bottom line, though, is that our old camper isn't doing well. Our...

Cheapest Auto Insurance in Fort Lauderdale, FL

Cheapest Auto Insurance in Fort Lauderdale, FL

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentFort Lauderdale is one of the most popular beach areas in the state of...

Cheapest Auto Insurance in Los Angeles, CA

Cheapest Auto Insurance in Los Angeles, CA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentLos Angeles, California is one of the most famous cities on the...

Cheapest Auto Insurance in Cleveland, OH

Cheapest Auto Insurance in Cleveland, OH

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Teenager Car Insurance RatesCleveland is a large city in the state of Ohio – the official...

Cheapest Auto Insurance in Baton Rouge, LA

Cheapest Auto Insurance in Baton Rouge, LA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment SR-22 Car Insurance Rates after DUIIf you’ve been to Louisiana, there’s a high chance you’ve heard of Baton...

Cheapest Auto Insurance in Chicago, IL

Cheapest Auto Insurance in Chicago, IL

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment Senior Car Insurance RatesChicago is the largest city in Illinois and the third largest city in the...

Cheapest Auto Insurance in Sacramento, CA

Cheapest Auto Insurance in Sacramento, CA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentSacramento is a large city located to the northwest of San Francisco....

Cheapest Auto Insurance in Lansing, MI

Cheapest Auto Insurance in Lansing, MI

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment What many people don’t realize is that Lansing is the capital city of...

Cheapest Auto Insurance in New Orleans, LA

Cheapest Auto Insurance in New Orleans, LA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment New Orleans is one of the most unique cities in the United States –...

Cheapest Auto Insurance in Omaha, NE

Cheapest Auto Insurance in Omaha, NE

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Omaha, Nebraska is one of the most famous cities in the Midwest --...

Cheapest Auto Insurance in Lubbock, TX

Cheapest Auto Insurance in Lubbock, TX

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Lubbock, Texas is famous for two things: Buddy Holly and Texas Tech...

Cheapest Auto Insurance in Kalamazoo, MI

Cheapest Auto Insurance in Kalamazoo, MI

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentKalamazoo is a popular urban city in the state of Michigan. It is...

Cheapest Auto Insurance in Flint, MI

Cheapest Auto Insurance in Flint, MI

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Flint, Michigan had long been a manufacturing powerhouse before much of...

Cheapest Auto Insurance in Bakersfield, CA

Cheapest Auto Insurance in Bakersfield, CA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment SR-22 Car Insurance Rates after DUI Bakersfield may not be located along the coast, but it is still one of...

Cheapest Auto Insurance in West Palm Beach, FL

Cheapest Auto Insurance in West Palm Beach, FL

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment West Palm Beach is one of the most exclusive areas in the state of...

Kids And Money: Things My Children Have Learned

It is so fun watching kids learn, isn't it?  Our kids are nine and seven, and they learn new things each day.  Even during the summer, they learn lots of new things.  As a personal finance blogging website, seeing kids and money connect is satisfying to watch. My wife...

Cheapest Auto Insurance in Columbus, OH

Cheapest Auto Insurance in Columbus, OH

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Columbus is the state of Ohio’s largest city – it serves as the...

Cheapest Auto Insurance in Tulsa, OK

Cheapest Auto Insurance in Tulsa, OK

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Tulsa is one of the largest cities in the state of Oklahoma. While...

Cheapest Auto Insurance in Fort Worth, TX

Cheapest Auto Insurance in Fort Worth, TX

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Fort Worth, Texas is often considered an extension of the city of Dallas....

Cheapest Auto Insurance in Rochester, NY

Cheapest Auto Insurance in Rochester, NY

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Rochester, New York was founded around the same time that our nation...

Cheapest Auto Insurance in Atlanta, GA

Cheapest Auto Insurance in Atlanta, GA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment SR-22 Car Insurance Rates after DUI Atlanta, Georgia is famous for lots of different things: rap music,...

9 Small Frugal Ideas That Add Up To Big Savings

If you want to be more frugal, join the club!  There are always ways to save money.  But, where to start?  Many people think that frugality involves cutting big costs.  While this can be the case, it's not always necessary.  You can save money by taking on small...

Cheapest Auto Insurance in Grand Rapids, MI

Cheapest Auto Insurance in Grand Rapids, MI

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Grand Rapids is well known for being one of the largest cities in the...

Cheapest Auto Insurance in Milwaukee, WI

Cheapest Auto Insurance in Milwaukee, WI

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Milwaukee is one of the most famous cities in the Midwest – it plays...

Cheapest Auto Insurance in Brooklyn, NY

Cheapest Auto Insurance in Brooklyn, NY

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance for Seniors If you’ve heard of New York City, there’s a high chance you’ve heard of...

Cheapest Auto Insurance in Albuquerque, NM

Cheapest Auto Insurance in Albuquerque, NM

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Albuquerque is the capital of the state of New Mexico. While this city...

Cheapest Auto Insurance in Kansas City, MO

Cheapest Auto Insurance in Kansas City, MO

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Kansas City might be named after the state of Kansas, but it’s...

Cheapest Auto Insurance in Wichita, KS

Cheapest Auto Insurance in Wichita, KS

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Wichita, Kansas is in the heart of the Midwest. The city isn’t known...

Cheapest Auto Insurance in Memphis, TN

Cheapest Auto Insurance in Memphis, TN

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Memphis is one of the nation’s most famous cities – it might not be...

Cheapest Auto Insurance in Charlotte, NC

Cheapest Auto Insurance in Charlotte, NC

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment Senior Car Insurance Rates If you live in Charlotte, you’re fortunate enough to live in one of North...

Cheapest Auto Insurance in Colorado Springs, CO

Cheapest Auto Insurance in Colorado Springs, CO

Cheapest Car Insurance Rates for May 2020  Average Gender Rates for Car Insurance Near Me Car Insurance Discounts for Multiple Vehicles Car Insurance Rates by SegmentIf you’ve ever been to Colorado Springs, you know how...

Cheapest Auto Insurance in St. Louis, MO

Cheapest Auto Insurance in St. Louis, MO

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentSt. Louis is one of the most prominent cities in the Midwest. In recent...

Cheapest Auto Insurance in Buffalo, NY

Cheapest Auto Insurance in Buffalo, NY

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment Multiple Vehicle DiscountsBuffalo is the second most famous city in the state of New York – New York City...

Cheapest Auto Insurance in Dallas, TX

Cheapest Auto Insurance in Dallas, TX

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates for Multiple Vehicles Car Insurance Rates for SeniorsDallas, Texas is perhaps most famous for their NFL football team...

Cheapest Auto Insurance in Baltimore, MD

Cheapest Auto Insurance in Baltimore, MD

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment SR-22 Car Insurance Rates after DUIBaltimore is one of the nation’s oldest cities – it sits in the original 13...

Affordable Web Hosting Hacks You Can’t Afford To Ignore

It’s time to bring your business idea to life, and one of the most important aspects of that is having a powerful online presence. That being said, you also want to stick to your startup budget, which means choosing affordable web hosting. The good news is that there...

Cheapest Auto Insurance in Miami, FL

Cheapest Auto Insurance in Miami, FL

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentMiami, Florida is well known for being one of the best party cities on...

Cheapest Auto Insurance in El Paso, TX

Cheapest Auto Insurance in El Paso, TX

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentEl Paso is a city deep in the west of Texas – it sits close to the border of...

Cheapest Auto Insurance in San Antonio, TX

Cheapest Auto Insurance in San Antonio, TX

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentSan Antonio is one of the many diverse cities that makes up the state of...

Cheapest Auto Insurance in Jacksonville, FL

Cheapest Auto Insurance in Jacksonville, FL

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentJacksonville is one of the many large cities that makes up Florida. The area...

Cheapest Auto Insurance in Louisville, KY

Cheapest Auto Insurance in Louisville, KY

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentLouisville is best known around the country for being home to America’s...

Cheapest Auto Insurance in Denver, CO

Cheapest Auto Insurance in Denver, CO

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates by Segment Car Insurance Rates for TeenagersDenver is the largest city in the state of Colorado – it serves as the...

10 Ways To Improve Your Outlook On Life

It's hard to slow down these days.  There's always something to do, and ten more after that.  If you feel like your day ends before it begins, you're not alone.  But this isn't healthy.  Stress increases your chances of heart attacks and creates other health risks. ...

Cheapest Auto Insurance in Tampa, FL

Cheapest Auto Insurance in Tampa, FL

Cheapest Car Insurance Rates for May 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by SegmentTampa, Florida is one of the most famous cities in the southern region...

Cheapest Auto Insurance in Philadelphia, PA

Cheapest Auto Insurance in Philadelphia, PA

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Philadelphia is one of our nation’s most famous cities – it played a...

Cheapest Auto Insurance in Orlando, FL

Cheapest Auto Insurance in Orlando, FL

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Orlando, Florida is one of the United States’ most famous cities. The...

Cheapest Auto Insurance in Las Vegas, NV

Cheapest Auto Insurance in Las Vegas, NV

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Las Vegas, Nevada is one of the most famous cities in the world for a...

Cheapest Auto Insurance in Houston, TX

Cheapest Auto Insurance in Houston, TX

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me SR-22 Car Insurance Rates after DUI Car Insurance Rates by Segment Houston, Texas is one of the largest cities in the United States – in...

Cheapest Auto Insurance in Detroit, MI

Cheapest Auto Insurance in Detroit, MI

Cheapest Car Insurance Rates for April 2020 Compare Rates for Car Insurance Near Me Car Insurance Rates for Men and Women Car Insurance Rates by Segment Detroit is named ‘Motor City’ for a region. This northern...

15 Things To Do When Leaving Your Job

Did you hear about the crazy lady that stabbed her HR rep with a pen while resigning?  This actually happened last week.  Now, it probably goes without saying for MOST people that you shouldn't do that.  But what should you do when leaving your job?  Well, here are...

Company Car Insurance for Employees that Drive Their Own Cars

Company Car Insurance for Employees that Drive Their Own Cars

Joanna Johnson Car Insurance Expert Updated: 04/2020 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. It’s difficult to run a business. There’s lots of things that you need to...

Technology: Making Car Insurance Better with AI

Technology: Making Car Insurance Better with AI

Tyron Jones Car Insurance Expert Updated: 04/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Many people are nervous about the idea of a self-driving car. They don’t trust a computer to keep them...

Best Customer Service Auto Insurance Companies

Best Customer Service Auto Insurance Companies

Tyron Jones Car Insurance ExpertUpdated: 7/2019 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Just like our cars are a big part of our lives, insurance is also an important aspect of vehicle...

Midyear Checkup On 2018 Goals

It's hard to believe that over half of the year has gone by.  I put together a list of 20 goals earlier this year.  It's time to check on how things are going.  This is my checkup on 2018 goals.  Click here to read the full detail of every goal. Family Be protective...

How to Find Cheap Car Insurance

How to Find Cheap Car Insurance

Joanna Johnson Car Insurance Expert Updated: 12/2018 Auto insurance is one of the assuredly recurring maintenance costs associated with any car. It is also important to have the right coverage for your car. Since your car is vital to your everyday life, it is...

You Should Pay More To Shop At A Small Hardware Store

Lately, I've been going to a small hardware store on the way home from work when need arises.  It's convenient and the service is great.  Still, they're a bit higher priced.  The other morning I was going to meet my dad for breakfast.  Across from the restaurant is a...

18 Items To Take To The Beach For A Great Day

Summer is in full swing.  If you haven't been to the beach, now's the time!  The water is still cold here in Michigan due to a late start to spring.  Still, that doesn't stop people from heading out and having fun.  Here are some items to take to the beach for a...

20 Job Interview Red Flags

Are you interviewing for a new job?  If so, congrats on the new opportunity!  However, as everyone knows, not every job is perfect.  But, how do you determine what might actually not be the best job?  Sometimes, an interview can provide some great insight.  Here are...

The Importance of Small Wins

My son enjoys playing sports, but he isn't a top athlete.  He likes playing more for the fun and the experience.  The teamwork helps as well.  He's been in a few leagues with a few different sports.  Unfortunately, most of the teams haven't done that well.  Still, I'm...

How Many Trips To The Hardware For A Small Plumbing Project?

One of the joys of having a nearly 15 year old camping trailer is that things break often.  Recently, we discovered a minor drip from the interior water system.  The drip was from a section of plumbing that was replaced just last year, so I was well familiar with the...

DTE Insight v3 Review: A Big Step Back

Like many power companies, our local company rolled out smart meters a few years ago.  These smart meters are in constant communication with the power company.  Benefits for this include real-time monitoring capabilities and the elimination of meter reads.  Drawbacks...

No Emergency Fund? These Consequences Might Change Your Mind

“Emergency fund or no emergency fund? Who has the extra money in their budget to set aside for a rainy day?” “Every day is rainy and there’s always something to be paid right now.” “You can’t take it with you when you’re gone, you might as well spend it now.” These...

10 Reasons That I Miss The Old Internet

Nowadays it seems like the Internet has always been around.  For many people, grown ups even, it always has!  Yet, at the age of 43, I distinctly remember the time before the Internet. But along with that there was the time when the Internet was new.  Those were some...

Keep Your Summer Budget Under Control

Summer is right around the corner.  Before long the kids will be done with school. Grills will be filling the streets with smells of burgers and hot dogs. The ice cream truck will be jangling down the street.  Summer is the time to enjoy the world, and boy can that be...

10 Practical Baby Shower Gifts Every Mom Will Love

Ah, the baby shower.  The time to give all that's cute for the new life about to enter the world.  While many gifts will draw ooh's and ahh's during the shower, there are some that will bring those later.  These are practical baby shower gifts that every parent will...

Pros And Cons Of Working From Home

Our employer allows us to work from home one day per week, with manager approval.  My manager has approved us working from home, with one caveat. We are not allowed to work from home on Monday or Friday.  This is designed to prevent abuse in the form of beginning or...

Investing in Airplanes or Helicopters – Making the Choice

A lot of people who can afford to buy an aircraft and have a short amount of time to spend in travelling tend to buy airplanes or helicopters. Generally, people investing in airplanes and helicopters do not have a problem with funding them. However, it is rather smart...

Five Ways To Get The Most Value From Netflix

It seems like everybody has Netflix these days, doesn't it?  I remember subscribing to Netflix before most anybody knew what it was.  I can't tell you the number of people I explained it to.  You clicked a few buttons on your computer, and a couple of days later a DVD...

Use These 7 Leftovers Tips To Avoid Wasting Food

Leftovers.  Just reading the word probably made some of you groan.  That's a pretty common reaction.  We crave variety including in what we eat.  And, let's face it, not all meals are all that exciting the first time around!  This can make the second go-around...

Summer Break: Protect Yourself Before You Travel

It’s that time of year when the kids are off school, and families travel to their favorite destinations. It’s Summer Break! So while you’re planning the trip of a lifetime for the whole family, make sure you have all your bases covered. That includes protection in...

Spring Clean Your Finances With 5 Easy Steps

Spring has been pretty much absent here in Michigan.  Last weekend we had an ice storm.  Temperatures have been about eight degrees below average for the month.  Snow showers and accumulations are still a regular occurrence.  Still, spring has to come sometime,...

10 Things I Loved About Our Disney World Trip (And 2 I Didn’t)

We recently went down to Disney World.  This was the second time for our family. It was a great time.  We actually spent a few days in Florida at the beach, so it was like two trips in one!  It was a fantastic trip, for the most part.  Disney World can definitely be...

Why FIRE Never Would Have Worked In The Past

The latest buzzword in the personal finance blog community is FIRE.  Many of the most successful blogs now talk about FIRE.  For those that don't know, FIRE stands for Financial Independence, Retire Early.  The blogging community now has many blogs where people...

Force Yourself To Slow Down For Better Results

Have you ever had to force yourself to slow down?  What about if you're looking for better results?  This seems counterproductive, but sometimes it's quite necessary.  For me, I've had to recently go through this when it comes to exercise.  Specifically, with my...

Musings On Smoke Alarm Batteries

The switch to Daylight Savings Time was about a month ago.  This is the traditional time to change smoke alarm batteries. Though I'm a little late, I thought it'd be a change to talk about a few questions that have come to mind.  Yes, I actually think of such things....

9 Money Goals Everyone Should Have

Rich or poor, working or retired, blue collar or white collar.  None of those things or any other will get around the simple fact that money is important.  As such, there are certain things that everybody should do with their money.  These don't mean that everybody...

Why You Don’t Always Need To Complain About Price Increases

My wife alerted me of a price increase for a regular purchase.  She pointed out that our annual zoo membership would be going up to $99.  Previously, we paid $79.  At first, I was a little taken aback. After all, that's nearly a 25% increase.  But then I started doing...

Greed Or Smart? Disney Overnight Parking Will No Longer Be Free

We are just a couple of weeks away from our family spring vacation.  Part of it will be spent at Disney World.  We did a family vacation a few years ago at Disney World, and had a blast.  We wanted one more experience while the kids are still charged at lower rates. ...

Ramona Books And Others I Loved As A Kid

I've written several times how much I love to read.  The thing is, I've loved to read since I could.  So, now that my kids are of reading age, I've gone back to remember some of my favorites.  These are some of the books I remember that I loved as a kid.  As you can...

How We Level Out Monthly Expenses

Bills you pay every month require budgeting and tracking.  However, some bills flucuate in costs or even frequency.  We've developed a system where I allocate and track these expenses.  It works because we use a spreadsheet.  But, it comes in handy because we never...

Tips for Buying Long Term Care Insurance

As we age, we start to think about our future and what it will look like. How much do we want to have saved for retirement? Where do we plan to live and will we have family around for support? On top of that is the financial stress of making sure you can afford...

Why Are Michigan Roads So Bad? 10 Things To Know

The past month has seen roads in Michigan deteriorate to never before seen conditions.  Potholes and cracks are everywhere.  The freeze and thaw cycle has been especially bad this year, turning many roads to near gravel. But, Michigan isn't the only state with this...

Guess Which Replacement Fitbit I Got?

Going to the water park for the kids mid-winter break has become a tradition.  This year we went to Kalahari instead of Great Wolf Lodge.  Both are in Sandusky.  But that's a post for another time.  This year, unfortunately, I lost my Fitbit.  My band broke, and I...

Smartphones Are Really Kind Of Dumb

Aren't smartphones great?  They take care of everything, right?  Well, maybe not everything.  But they're totally smart and intuitive, aren't they?  After all, smart IS part of the name.  Personally, I don't think we're there yet.  Smartphones have made our lives...

How To Build Credit History And Why It’s Important

I remember a story from when I was kid about a great aunt of mine.  She and my late uncle had paid cash for everything in their lives.  When they needed a new car, they wrote a check for the full amount.  When it was time for a house, it was paid for.  This was very...

Five Star Books I Read In 2017

I love to read.  I track my books read on Goodreads.  My goal is to read 52 books per year.  So far, for the last two years, I've exceeded this goal.  One thing I love about Goodreads is that I can track the books I read.  I can also track how I rated them.  This is...

8 Simple Ways To Be Happier

Are you in a rut?  Feeling blue?  It might not just be the time of year.  You might have just hit a low spot.  If you're there, that's OK.  But, how do you get out of that and find your happy spot?  It might not take a big change.  Here are a few simple ideas to be...

Why It’s OK To Get A Tax Refund

Don't get a tax refund.  That's one of the first things most personal finance bloggers will tell you.  It's giving the government an interest free loan.  That's what they will say to justify the reasoning.  Keep the money yourself.  That's the advice you'll get.  Earn...

The Power Of Bad Habits

The other night I got really upset with my kids. They are 8 and 6 and they were bickering.  Again.  About what?  Nothing.  I got upset because their bickering has become nearly constant.  I sat them down and talked to them about it becoming a bad habit. Two Different...

4 Ways To Invest To Increase Your Personal Wealth

Wealth is never an accident. Even if you happen to inherit it, you still need to manage and grow it.  Some things that wealthy people do to keep their wealth is creating a budget, regulate their spending, and set financial goals.  There are key things that wealthy...

Speak Up To Get What You Want

Do you ever notice that some people seem to have no trouble getting what they want?  What is it about them?  Maybe they're more confident.  Or smarter.  Or lucky.  Who knows?  While some of those things may be true, it might be simpler than that.  It could be that...

Find The Right Factoring Plan For Your Trucking Company

As the owner of a trucking company, you understand some frustrations.  To wait up to 90 days before you receive payment from your customers is frustration.  This impacts working capital, which is needed to grow and expand.  Without capital, some owners can fall behind...

Wasting Somebody Else’s Money

Have you ever had an experience wasting money?  Of course.  Who hasn't?  But what about wasting someone else's money? Has that ever happened to you. I'm sure it's happened many a time. Heck, just growing up, I probably wasted a ton of my parents money!  I'm thinking...

20 Personal Goals For 2018

I'm not a big believer in New Years resolutions.  I think it's more apporpirate to set goals.  These can be touched on throughout the year.  I also think they should come from experiences or goals from before 2018.  Continuity will help.  These are 20 goals for 2018...

12 Snow Day Activities For Kids

Kids love a snow day, right?  Every time it snows, the kids want to know if they will have school tomorrow.  On occasions they don't, that's great news!  For the kids, anyway.  For parents who now have to fill an unplanned day, it can be daunting. Thankfully, there...

Stay In Your Car After A Crash

My heart is breaking today.  All I can do now is two things.  First, pray, and second, give some advice.  If you get into a car accident, please, stay in your car. Bad Work Start To 2018 Today was my first day back to work.  I was walking to my desk thinking of how I...

Professional Investors Weigh In On Investing in 2018

Investors have been bullish about forecasts for the coming year. The next year will most likely be quite eventful for the financial industry. The Federal Reserve recently made announcements that businesses should expect multiple interest rate hikes in 2018. Most...

Be Like Me And Get Quotes To Save On Insurance

Insurance is one of those things that you have to have, but don't want to use.  Paying for it is no fun, that's for sure.  We are well covered (we think) but were recently able to save on insurance. One Company We use one company for our home and auto insurance needs....

Types of Life Insurance that do not Require an Exam

When you're shopping for life insurance, there are dozens of different factors that you'll need to consider to ensure that you're getting the best plan possible. Life insurance is the most important safety net that you can ever buy for your loved ones. It's one of the...

7 Ways To Save Money At The Drugstore

My wife and I were talking about drugstores the other day.  We tried to remember if they were always expensive places to shop.  I thought that they used to be a little more reasonable on everyday prices.  But, she wasn't so sure.  Regardless of who was right, there is...

Why We’re Spending $2,540 On Gift Cards In A Single Week

Over the past week, we have spent $2,540 on gift cards.  You might think I'm crazy.  I'm not.  Maybe we're going nuts for Christmas this year?  Nope.  We're actually cutting back. So then why are we spending all this money on gift cards?  Because....we're going back...

Make Investing a High Priority in Your Financial Life

Some people are afraid to invest their money because they are afraid of losing it. Others are completely unsure of what investing their money entails and what it can do for them. Investing is a building block for a healthy financial standing if done properly and with...

Tips for Securing a Car Loan

Owning a car is something that many people dream of. However, many simply do not have the money needed to buy one. There is a way for this dream to become a reality. Getting a car loan has allowed millions of people the ability to buy a car and slowly pay for it in...

How I Calculate Our Net Worth

I used to post net worth updates, but they were my least commented upon posts.  So, I stopped. But, I still track our household net worth every month.  This goes back over fifteen years.  Things change and evolve, but the process has largely stayed the same.  Here is...

Why Cut Taxes Right Now?

Everyone hates taxes, right?  I know I certainly do.  You may not think so based on the title of this post, but I get it.  As every American probably knows, the big move right now is to reform taxes.  The President wants to cut taxes.  The Republican House and Senate...

When To Make The Switch To LED Christmas Lights?

We got our decorating done this past weekend. Usually, we go in full force the day after Thanksgiving, but we decided to start a bit earlier this year.  We have a mix of LED Christmas lights and regular lights.  Pretty much everything inside is regular and outside is...

10 Things You Learn After Having Kids

There's no manual on having kids.  That's one of the first things I remember being told after we first became parents.  That was over eight years ago, but the words still ring true.  I'm sure I'm not the only parent that often feels like a manual would sure come in...

Letting Go

Have you ever had something that you held onto that you knew you shouldn't have?  Eventually the time came for letting go.  For me, the recent example of that was my old artificial Christmas tree. My First Adult Christmas Thing I had the tree in question since 1996....

The One Way Our Christmas Budget Fails

We have most areas of our Christmas budget down to a science.  Saving is pretty easy.  We estimate our spending, divide by twelve, and set aside an equal amount each month.  That works out great.  Sticking to the budget works, for the most part.  But there is one area...

Pretend You Can Do It

First grade teachers are awesome.  I think they have more wisdom than most other people.  I was reminded of this with our recent parent-teacher conference.  When we met with our first grade teacher, we talked about how much they learn this year.  It can get...

Remember When Federal Budget Deficits Mattered?

It's so interesting watching the latest talk from Washington come through.  It's all about potential tax cuts and what they mean.  President Trump is touting a plan that would lower taxes for many businesses and people.  He claims it will help the middle class....

Peak Debt – What Is Your Story?

Have you reached peak debt?  That's what I consider the highest debt you'll willingly take on during your lifetime.  Many people may not have hit peak debt yet.  Think of people who have not bought homes but plan to do so.  They will probably hit peak debt later.  But...

The One Big Reason Why Sears And Kmart Are Doomed

Between 2000 and 2002, I went to school for my MBA.  I don't remember too many of the details, but I remember one paper I wrote.  Our assignment was to pick a troubled company and strategize how to fix it.  I picked Kmart.  This was a couple of years before Sears and...

Bigger Home Costs Are Higher Than You Think

Bigger is always better, right?  People seem to think so especially when it comes to homes.  How many of us were raised by our parents in homes that we'd now consider much too small?  What people today consider starter homes, many lived their lives in. There can be...

How To Winterize Your RV

Is it time to winterize your RV?  If your season is done, as is ours, then it's probably time. End of Season Our camping season is finished.  Unfortunately, we didn't get to finish out as we usually do.  The state park we go to does it up during weekends in October....

Debt is a Habit and Mindset That’s Contagious

We’ve all heard about the difference between nature and nurture.  These two umbrella categories of influences determine who we are and how we behave. Different people have different ideas about which is more important - the role that parents have in raising their...

How Much Would You Replace If You Lost Everything?

Post revision: I wrote this post after seeing images of the horrifying wildfires in California.  This prompted me to think about what would happen in a similar event.  It turns out that someone in the personal finance community was right there.  They were safe...

Fall Fun At The Cider Mill The Way It’s Meant To Be

Fall is not my favorite season.  I'm definitely a summer guy.  I like warm temperatures, beaches, and long days.  Still, fall has a lot of fun things.  One of those has been to head to the cider mill. I wrote a pretty discouraging article a couple of years ago about a...

Don’t Run Your Finances Into A Bridge

Say you drove a big rig or an equipment hauler.  You'd think that 'Don't run into bridges' would be a pretty obvious rule.  Well, considering that we've had two incidents in the last week here around Detroit, maybe that's not so obvious.  I'm not just talking smashing...

6 Items On Our Money Checklist

Things are pretty stable these days with our money.  This means that we don't have anything really pressing.  However, just as in life, there's always stuff to do.  Here are a few items that I want to mark off our money checklist. Combine High Yield Accounts I have...

How To Be A Successful Flipper

Flipping isn't just for houses anymore.  House flipping sure got all the attention, but flipping opportunities are endless.  Fifteen years ago, I went to California to visit an old college buddy.  His apartment was full of hockey jerseys and boxes.  He found them at...

Why Writing Checks Is Inevitable

I remember back when I first went out on my own.  You wrote a check for every bill.  Gas.  Rent.  Car payments.  Cell phone bills.  Credit card payments.  It was the only way to do business. Now we use electronic payments for just about everything.  Our utilities are...

Do You Believe These Money Myths?

There are a lot of different things you'll read when it comes to your money.  The personal finance world has lots of people with many opinions.  I'm one of them!  But with so much out there, it can often get confusing.  What do you believe?  What's true and what's a...

Projects Around The House – 2017 Edition

This year has been a pretty busy year generally speaking.  Even though there's a few months left in the year, we're just about wrapped up with our project list around the house.  Mostly because our budget is exhausted!  Of course, something unexpected could happen....

10 Easy Things I Do To Save Money

Saving money is a big deal.  Many people don't know where to start.  It doesn't have to be hard.  In fact, when it comes to saving money, think small.  A small saving is easy to do.  And many small savings add up to BIG savings. Here are some quick and easy things I...

Unlimited Vacation Policy? Thanks But No Thanks

I've seen more press than ever on unlimited vacation policy.  At first, this sounds wonderful.  Take all the time off that you want and answer to nobody, right?  Well, I don't think it's that easy.  Personally, I would hate an unlimited vacation policy.  However, I...

Being a Better Long-term Investor

We tend to bring our biases everywhere and we interpret information according to these biases. It is human nature and often hard to escape. We tend to be heavily influenced by recent and previous events or trends.  In order to become a better long-term investor, there...

3 Back To School Items We Aren’t Buying

I'm sure that stores lick their chops when it's back to school season.  After all, every parent gets the same list with the same items to buy.  It definitely has to give a boost for the summer season, which have traditionally lower sales. But, what items are really...

Thoughts Following The Great American Eclipse

The eclipse was just about all that anybody was talking about a couple of days ago.  It was definitely eclipse fever.  Now that it's done and over, I wanted to share some random thoughts. The Past Was Fun To See One of my favorite parts of the coverage leading up was...

Are Our Amazon Kids Tablets Holding Up?

Our kids have had Amazon Kids Tablets for awhile.  They're great for long car rides or when they need some down time.  We limit their time on them.  Now the Kids Tablet isn't the official name.  They're actually the Amazon Fire tablet.  But we bought them both with...

Cryptocurrency Is The Next Buzz Word To Know

If you'd have asked me six months ago what cryptocurrency meant, I would have had no idea.  I probably would have ventured a guess that it had something to do with Bitcoin.  That part, as it turns out, is true.  Lucky guess on my part. To be honest, I still don't know...

Checking In On My 2017 Fitness Goals

I've written a few times about how I have really tried to focus on better fitness this year.  I worried about our long camping trips and how that would affect me.  I'm happy to report that things are going well.  Here's an update on my fitness goals. Recap of My Goals...

5 Side Hustle Ideas to Make Extra Cash

If you're like most Americans, you think that your paycheck isn't large enough and your bills are too large. Unless you can demand a raise, you might think that you're stuck, but there are dozens of different ways that you can earn some extra money on the side....

What Factors Determine Auto Insurance Pricing?

Shopping around for car insurance quotes can be confusing.  Finding one that best suits your needs (and budget) can be just as intimidating.  What you have to realize before you even begin, however, is that while companies often differ in regard to the premiums that...

10 Thoughts On Our First Week Long Camping Trip of 2017

We generally do a week long camping trip twice per summer.  One is always over the 4th of July week.  We wrapped up our trip and it was a success.  I thought I'd share some of our (mostly) ups and downs, as well as a few laugh out loud moments. The Popularity of...

Why Are So Many Consumers Hypocrites About Fuel Economy?

I always take polls with a grain of salt.  Still, this one astounded me.   Consumerist reported that 87% of Americans surveyed think that automakers should do more to improve fuel economy.  The first thought that crossed through my mind when I read this was...

Why Block Ad Blockers?

I browse with Google Chrome.  On my laptop and desktop computers, I always install ad blocking software.  I'd install it on my mobile version if I could do so without having to root the device.  It always amuses me when I come across a site that will block ad...

Personal Finance Finesse: Leveraging the Third Paycheck Theory

There are pros and cons attached to getting paid bi-weekly, when twice a year you receive a third paycheck.  Most people budget on a monthly basis, accounting for two paychecks.  When this third paycheck comes around, it's often money with no budget category! It’s...

Making Our Craigslist Selling List

Have you used Craigslist for buying and selling?  We have used it occasionally, but I think it's time to consider stepping it up a notch.  As I look around the house, I realize that we have a lot to sell.  It's time to make our Craigslist selling list. Early Returns...

Bagged Mulch Or Bulk: Which Worked Better?

I add new mulch about every two years to the beds around our house.  Up until now, I've always used bagged mulch.  We had an SUV so it was easy enough to load up the back with as many bags as we could.  This was my first time having a pickup truck, so we decided to...

Lucky Pennies: How I Almost Accidentally Threw Away My Keys

Have you ever dodged a bullet?  Maybe not.  How about coming this close to doing something so ridiculously stupid that you'd kick yourself for months?  That's what happened when I almost accidentally threw away my keys yesterday. Too Many Changes In Routine Getting...

7 Things To Do To Your Gas Grill

Ah, summer.  It's here or right around the corner.  If you're like me, then pulling out the grill is an integral part of the summer season.  I've always been someone who prefers a gas grill.  If you fall into the same category, here are some tips to make sure you're...

8 Things My First High School Job Taught Me

These days it seems that the high school job isn't as popular as it was. Between an increase in after school activities and more adults working in part time positions, high school jobs don't seem to be as much of a norm as they were.  But they still exist.  I believe...

How Will I Stay Motivated After Losing Weight?

I've written a couple of times about how I have been working to get in better health this year.  So far things are going great, and I've now lost about 9.5 pounds total.  Things have definitely slowed down over the past couple of months.  I expected that, as this is...

The Cost Of Fame And Fortune

I woke up last Thursday to the news that many heard, that Chris Cornell, the lead singer of Soundgarden, had died.  Living in the Detroit area, this was even bigger news, because he had just played a show the night before. He died in a hotel just a few blocks away...

2017 Can Be the Year You Earn Great Credit

If you don’t understand what personal credit is, you’re not alone. Your credit history is an important aspect of your life, but most people don’t fully comprehend what it is or what it does. That’s a shame, because you can learn what credit history is in about five...

7 Tips for a Perfect Open House for Your Rental

An open house is crucial for attracting new tenants.  This is a time to show off the rental you put so much time and money into.  If you want to entice high quality tenants, prepare your property using these seven tips for the perfect open house. Make it Spotless...

Using BookBub To Get Ready For Summer Reading

I love to read.  I've always been a sort of bookworm, as far back as I can remember.  My childhood summers growing up included a lot of time reading.  I love fiction.  When I was a kid I loved the Ramona books and Great Brain books.  When I got older, I started...

Personal Finance For Young Adults

When you’re out on your own for the first time, it can be easy to live life to the fullest and avoid making a financial plan for the future. While it’s important to have plenty of fun while you’re in college, it’s absolutely vital that you form solid personal finance...

6 Easy Tips for Saving Money This Summer

It can be easy to overspend during the summer. From increased energy bills (you have to crank that air conditioner during those hot days) to vacation costs, spending seems to snowball during the hottest season of the year. Instead of leaving the summer with far less...

Airline Nightmare: You Can Be Right But Still Be Completely Wrong

The airline industry has really been under fire.  My 7-year old commented that the recent misstep has been the "fifth bad story" that he's seen recently.  This latest airline nightmare had Delta kick a family off their flight because they wouldn't give up the seat...

8 Wise Ways To Spend Your Tax Refund

Are you one of the millions getting a tax refund this year?  Maybe you've already got it but haven't spent it yet.  Your tax refund can be a great way to reach some financial goals.  Here are eight ways that you can spend your tax refund that are sure to make your...

How to Use a Reverse Mortgage to Enjoy Retirement

It's official, reverse mortgages are no longer a last resort when it comes to retirement planning.  Instead, it has become an acceptable retirement planning tool, one which an increasing number of seniors are turning to.  With that in mind, here are some ways you can...

10 Short Term Money Goals That Are Easy

We all know we can do a better job at saving money, right?  I know I do!  Sometimes figuring out where to start is a bigger obstacle than actually making the changes.  If you can relate to that, then this post is for you.  Here are ten short term money goals, things...

Trading Less Stuff For More Memories

If you've read this blog for any length of time, you know that vacations and such are a very big thing for our family.  We love to camp.  An annual trip to an indoor water park is almost required.  We've had a couple of great trips down to Florida.  We have really...

It’s OK If Your Savings Account Doesn’t Make You Money

One of the basic pieces of advice is to make sure that your money is working for you.  And of course you want that work to yield maximum returns.  Finding good investments at low cost is a perfect example of a way to make this happen.  While you definitely want to...

Breaking Down Our Madeira Beach Vacation

A couple of weeks ago, I was enjoying life a little bit more.  As they say, life is always better at the beach!  We took a family trip down to Florida.  Here are some things I thought I'd share about our Madeira Beach vacation. Familiarity Helps We rented a condo that...

Giving Up Facebook For Lent

Last month I wrote about how I gave up snacking at work.  I know my weaknesses and I finally accepted that occasional snacking leads to regular snacking.  So, I haven't snacked since the beginning of the year. Giving Up Facebook I grew up Catholic, and one tradition...

7 Rules Of Gym Etiquette

I've been going to the local Planet Fitness for quite a while.  I think it's been almost three years.  Over time, I've sort of figured out some do's and don'ts.  Of course, I've learned most of this by having someone bugging me!  So, what is proper gym etiquette?...

6 Ways To Be More Productive

I don't know about you, but there just don't seem to be enough hours in the day anymore.  There are just so many things to do and not enough time to do them.   We can't ever get more hours, but we can find some ways to be more productive.  This will allow you to get...

The Best Digital Tools for Saving Money

In our increasingly digital world, there’s an app, website or browser extension for just about everything, including money management and shopping. It’s easy to do all your banking online, transfer money to and from accounts, and review and make adjustments to your...

Sump Pump Floats And Floor Drains, Oh My

Yesterday, I got one of those phone calls from my wife that I never want.  "There's water in the basement."  My wife heard one of our water alarms going off and found a puddle of water in the middle of the basement.  She couldn't figure out where it was coming from....

I Give Up! Snacking At Work Edition

Giving up is rarely encouraged, but it can be a good thing with an unhealthy or time wasting behavior.  Such was my snacking at work.  So, I decided that I give up! How Snacking At Work Consumed Me See what I did with that heading?  It consumed me.  Get it? All...

Perspective: Attending Pediatric Physical Therapy

Our son is finishing up a round of pediatric physical therapy.  He has been a 'toe walker' ever since he took his first steps.  While this doesn't stop him from getting around, his pediatrician advised we take him to therapy after his last check up.  The reason for...

Smart Single-Family Rental Investing

Opinions often vary regarding the advantages of investing in single-family homes (SFHs) over multi-family complexes (MFCs). Some feel the short-term potential of MFCs surpass that of SFHs. While others cite the long-term potential of the SFH as being a preferable...

6 Things That Troubled Brick And Mortar Stores Need To Do

In an ever changing retail landscape, Gander Mountain is the latest victim to consolidation in the brick and mortar landscape.  They filed for bankruptcy and will be closing about 20% of their stores.  For now.  As has been the case with many other retailers, this is...

6 Tips For Seasonal Small Business Owners

Running a seasonal business is not like running a year-round business. There are different things that you need to consider, and if not managed properly, can become a financial mess. You need to not only save money during the off months, but to increase your revenue...

Looking For Some Good Lunch Meat Alternatives

I've taken 2017 as a time to really focus on improving my health.  I've been trying to get in better shape and make some healthier decisions.  I'm 42.  In the past, I would often brush off decisions I knew weren't healthy by telling myself I could fix them down the...

Books I Read In January & February 2017

I love to read.  I have loved it since I was a kid.  It's something I try to do every day.  Here are some books I read during the first two months of the year. Books I Read In January 2017 Monsters In Appalachia by Sheryl Monks.  I love a good set of short stories and...

March 2017 Updates

It's March!  Did you know that even though Spring doesn't officially start until later this month, that from a meteorological standpoint, spring has started?  That's right, from a meteorological perspective, the seasons start on the 1st of the month of the calendar...

My Stump Grinding Tip – Hire Someone

To grind or not to grind?  Here is my best stump grinding tip: Hire someone to do the work! A Few Stumps To Grind One of the features that drew us to purchase our home 10 years ago was the number of mature trees on our lot.  Our house is relatively new (built in...

7 Affordable Spring Break Activities For Kids

It's almost getting to be that time of year again.  The kids will be off school for a week.  You'll want to keep them occupied so that they don't go crazy.  Plus, you don't want to go crazy in the process.  Here are some affordable spring break activities for kids to...

Will There Be Fewer Costco Coupons?

I wrote a post in December of last year about how Costco's December coupons were awful.  They were so bad that we didn't even make a Costco trip that month.  This is very unusual for the holidays.  One of my readers (Loughneylaurie) made a comment that perked my...

Free Cash: Why We Use Cash Back Credit Cards

We use cash back credit cards for just about every purchase that we possibly can.  Why?  The answer is simple, because we earn free cash and it adds up to a good amount.  Below is how much cash we've earned in the last twelve months. Costco Visa Card This is our...

Shopping Malls Dying While Shopping Centers Thriving

The shopping mall has been in a steady decline for a while.  As of 2014, no new enclosed malls had been built since 2006.  That's a far cry from when the shopping mall reigned king.  Yet, while shopping malls have hit some hard times, new shopping centers are still...

Cheap Auto Insurance in Wyoming: Best Companies & Quotes

Cheap Auto Insurance in Wyoming: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Wisconsin: Best Companies & Quotes

Cheap Auto Insurance in Wisconsin: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in West Virginia: Best Companies & Quotes

Cheap Auto Insurance in West Virginia: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Washington: Best Companies & Quotes

Cheap Auto Insurance in Washington: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Virginia: Best Companies & Quotes

Cheap Auto Insurance in Virginia: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Vermont: Best Companies & Quotes

Cheap Auto Insurance in Vermont: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Utah: Best Companies & Quotes

Cheap Auto Insurance in Utah: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021 Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Utah Farm Bureau Mutual...

Cheap Auto Insurance in Texas: Best Companies & Quotes

Cheap Auto Insurance in Texas: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Tennessee: Best Companies & Quotes

Cheap Auto Insurance in Tennessee: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in South Dakota: Best Companies & Quotes

Cheap Auto Insurance in South Dakota: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in South Carolina: Best Companies & Quotes

Cheap Auto Insurance in South Carolina: Best Companies & Quotes

Cheapest Car Insurance Rates for December 2020 Tyron Jones Car Insurance Expert Updated: 06/2020 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in South Carolina Auto...

Cheap Auto Insurance in Rhode Island: Best Companies & Quotes

Cheap Auto Insurance in Rhode Island: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Rhode Island Progressive...

Cheap Auto Insurance in Pennsylvania: Best Companies & Quotes

Cheap Auto Insurance in Pennsylvania: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Pennsylvania Erie State Farm...

Cheap Auto Insurance in Oregon: Best Companies & Quotes

Cheap Auto Insurance in Oregon: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Oregon Country Financial State...

Cheap Auto Insurance in Oklahoma: Best Companies & Quotes

Cheap Auto Insurance in Oklahoma: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Oklahoma State Farm Shelter...

Cheap Auto Insurance in Ohio: Best Companies & Quotes

Cheap Auto Insurance in Ohio: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Ohio Westfield Geico Erie State...

Cheap Auto Insurance in North Dakota: Best Companies & Quotes

Cheap Auto Insurance in North Dakota: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in North Carolina: Best Companies & Quotes

Cheap Auto Insurance in North Carolina: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in New York: Best Companies & Quotes

Cheap Auto Insurance in New York: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in New...

Cheap Auto Insurance in New Mexico: Best Companies & Quotes

Cheap Auto Insurance in New Mexico: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in New...

Cheap Auto Insurance in New Jersey: Best Companies & Quotes

Cheap Auto Insurance in New Jersey: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in New...

Cheap Auto Insurance in New Hampshire: Best Companies & Quotes

Cheap Auto Insurance in New Hampshire: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in New...

Cheap Auto Insurance in Nevada: Best Companies & Quotes

Cheap Auto Insurance in Nevada: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Nevada State Farm Progressive...

Cheap Auto Insurance in Nebraska: Best Companies & Quotes

Cheap Auto Insurance in Nebraska: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Montana: Best Companies & Quotes

Cheap Auto Insurance in Montana: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Missouri: Best Companies & Quotes

Cheap Auto Insurance in Missouri: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Mississippi: Best Companies & Quotes

Cheap Auto Insurance in Mississippi: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Best Car Insurance Companies in...

Cheap Auto Insurance in Minnesota: Best Companies & Quotes

Cheap Auto Insurance in Minnesota: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Minnesota American Family Auto...

Cheap Auto Insurance in Michigan: Best Companies & Quotes

Cheap Auto Insurance in Michigan: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Michigan Auto Owners Insurance...

Cheap Auto Insurance in Massachusetts: Best Companies & Quotes

Cheap Auto Insurance in Massachusetts: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  With all the complicated rules and regulations governing...

Cheap Auto Insurance in Maryland: Best Companies & Quotes

Cheap Auto Insurance in Maryland: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Maryland Erie State Farm...

Cheap Auto Insurance in Maine: Best Companies & Quotes

Cheap Auto Insurance in Maine: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Maine Geico Concord Group State...

Cheap Auto Insurance in Louisiana: Best Companies & Quotes

Cheap Auto Insurance in Louisiana: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Louisiana is one of the most expensive states in the US to get auto insurance. The average driver has to pay nearly $2,300 annually to have their vehicle insured. If you’re on a tight budget, that can be a problem. However,...

Cheap Auto Insurance in Kentucky: Best Companies & Quotes

Cheap Auto Insurance in Kentucky: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Kentucky drivers pay high premiums for auto insurance. The...

Cheap Auto Insurance in Kansas: Best Companies & Quotes

Cheap Auto Insurance in Kansas: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Depending on where you live in Kansas, you might receive better...

Cheap Auto Insurance in Iowa: Best Companies & Quotes

Cheap Auto Insurance in Iowa: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  When it comes to auto insurance in Iowa, you’re not paying the...

Cheap Auto Insurance in Indiana: Best Companies & Quotes

Cheap Auto Insurance in Indiana: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  If you reside in Indiana, you pay an average amount of money...

Cheap Auto Insurance in Illinois: Best Companies & Quotes

Cheap Auto Insurance in Illinois: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  The cost of auto insurance in Illinois is significantly less...

Cheap Auto Insurance in Idaho: Best Companies & Quotes

Cheap Auto Insurance in Idaho: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Driving in Idaho means various things for various people....

Cheap Auto Insurance in Hawaii: Best Companies & Quotes

Cheap Auto Insurance in Hawaii: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Best Car Insurance Companies in Hawaii Allstate Geico Liberty...

Cheap Auto Insurance in Georgia: Best Companies & Quotes

Cheap Auto Insurance in Georgia: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Georgia drivers know they need car insurance, but they also...

Cheap Auto Insurance in Florida: Best Companies & Quotes

Cheap Auto Insurance in Florida: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Tyron Jones Car Insurance ExpertUpdated: 04/2021 Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.  Florida residents in Orlando, Tampa, Jacksonville, Miami, West...

Cheap Auto Insurance in Delaware: Best Companies & Quotes

Cheap Auto Insurance in Delaware: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Delaware residents are required to...

Cheap Auto Insurance in Connecticut: Best Companies & Quotes

Cheap Auto Insurance in Connecticut: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. The perks of living in Connecticut...

Cheap Auto Insurance in Colorado: Best Companies & Quotes

Cheap Auto Insurance in Colorado: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. No one wants to overpay for their...

Cheap Auto Insurance in California: Best Companies & Quotes

Cheap Auto Insurance in California: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. The rates of auto insurance in...

Cheap Auto Insurance in Arkansas: Best Companies & Quotes

Cheap Auto Insurance in Arkansas: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Arkansas families look for the best...

Cheap Auto Insurance in Arizona: Best Companies & Quotes

Cheap Auto Insurance in Arizona: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Getting auto insurance in Arizona...

Cheap Auto Insurance in Alaska: Best Companies & Quotes

Cheap Auto Insurance in Alaska: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. Getting auto insurance might not be...

Cheap Auto Insurance in Alabama: Best Companies & Quotes

Cheap Auto Insurance in Alabama: Best Companies & Quotes

Cheapest Car Insurance Rates for May 2021 Joanna Johnson Car Insurance ExpertUpdated: 04/2021 Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work. If you’re a driver in Alabama, you...

Should Kids Have Homework In Early Grades?

At the start of the school year, I saw a lot of talk about whether kids should have homework.  Increasingly, it seems that many educators feel that homework is no longer needed.  Some schools have backed off from assigning homework entirely.  Our two younger kids (2nd...

Why I Keep Bugging My Wife About My Fitness Goals

I've been driving my wife a little nutty, and she has no idea why. I'm not normally one for New Years resolutions, but I set one this year.  And it's not really a resolution as it is a goal.  Here are my fitness goals and why I keep talking about them to my wife. My...

Planning Our Spring Break Trip To Madeira Beach, FL

Our last big family trip was to Disney World in November 2015.  It was great and we had a great time.  As soon as we were done, we started thinking about our next trip.  We didn't want to do anything as big as Disney, but we wanted to do another trip to Florida.  This...

Are Credit Companies Giving Out Excess Credit?

We recently added another credit card to our household.  We're heading down to Florida for a family Spring Break.  Since we're flying Southwest Airlines for the first time, we get a big bonus by opening up a Southwest linked card operated by Chase.  When I opened up...

Have You Observed Gender Equality During Your Career?

The recent women's marches across the country got me thinking.  They seemed to originate from Donald Trump being inaugurated President, but were tied to a number of different issues.  One of the issues that I heard mentioned several times was 'equal pay'.  It's been...

11 Ways To Have A Bad Job Interview

Looking for a job is not a fun process, at least to most.  It's often stressful, frustrating, and can have many ups and downs.  I'm very grateful that I've had my for over ten years as the number of interviews I've had has been pretty small.  There are a lot of things...

4 Tips for Planning to a Take a Year to Travel After College

Getting your education is sure to be one of your greatest achievements in life. It can also be a very demanding time that requires total dedication and concentration. You may want to reward yourself by taking a year off to travel  after college.  This is known as...

8 Unusual But Effective Ways To Stretch Your Paycheck

Today we have a guest post from Jon at Money Smart Guides.  Jon will be providing some unusual but effective ways to stretch your paycheck.   Those of us old enough to know, love to sigh in frustration that money ain’t worth what it used to be. Horrible grammar aside,...

Getting Rid Of Yahoo Once And For All

I have had it with Yahoo.  A few years ago I wrote about how Yahoo had gotten smaller and smaller in terms of what I used them for.  That's continued, and now I'm in the process of cutting the cord altogether.  I am getting rid of Yahoo! When Yahoo Ruled My World I...

Small Things that Can Ruin Your Credit Score

Your credit score is one of the most important numbers you have.  So, keeping it as high is possible is a goal for many. Your Credit Score Is Made Of Many Things You may have excellent credit now or wondering how to improve your score. There are many things you’ve...

Avoid Walmart Site To Store Around The Holidays

Amazon has pretty much set the bar for online shopping, especially if you're a Prime member.  Click, order, and a couple of days later, you have a box with your items.  It works great.  So great that other retailers have had no choice but to offer online ordering....

The End Of An Awesome Holiday Break

I just went back to work a few days ago and man, I need a break after the holiday break!  It was pretty much non-stop and it was fantastic.  Here are some of the day by day highlights. December 22 Technically break hadn't started yet, but we kicked things off from a...

2017 Goals And Plans

We made it to another year.  We had a great year last year and are looking forward to another wonderful year.  Here are some 2017 goals and things that we have going on.  What are your plans for the year? Money Our goal for money is to keep on keeping on.  We want to...

2016 In Review

Well, another year is almost in the books.  It's pretty cool to look back and see how things went.  Here is our 2016 in review.  How was your 2016? Money From a money standpoint, things were okay.  I think we're at that point where nothing big is going to happen too...

Terrible Costco Coupons Equals No Costco Trips This Month

December, it seems, is the holy grail of food months. Buying food, groceries, etc.  What better month to count on than December, right? So, if that's the case, it's really amazing that Costco is trying to shoot themselves in the foot with a terrible coupon insert....

Appreciation For A Working Snowblower

Tonight we're supposed to get our second snowstorm of the season, both coming in the period of a week.  I am feeling a lot better about this one.  Why?  Because we have a working snowblower once again! Snowblowers Are Easy To Forget About During Warm Novembers It's...

How To Test Your Trading Strategy With An Online CFD Simulator

With its incredible increase in popularity, online trading has become one of most marketable and accessible ways of investing in today's internet run world. Online trading is an effective and relatively fast way of investing money in a diverse variety of stocks.  With...

Calling BS On Excessive Resort Fees

I have no problem with resort fees.  They're pretty standard in most hotels that offer amenities these days.  So, it makes sense that a hotel with a giant water park would charge resort fees for your stay.  Still, after a recent booking, I still walked away mad....

How to Save for and Fund Your Retirement

Your retirement is going to get here sooner than you think and, chances are, if you’re reading this post, you aren’t a fresh out of the dorms millennial looking for the simplest way to retire early. You’re more likely in your 30s or 40s (or maybe even 50s) and...

Going All In On Itemized Deductions

Since being married, my wife and I have always been able to itemize our deductions.  Between mortgage interest, property taxes, and state taxes, our itemized deductions have always exceeded the standard deduction amount.  This has been great come tax time.  But, it...

How To Complain And Get Results

We get new laptops at work about every 3-4 years.  I've had my current laptop for around a year and a half, and have hated it every single day.  The main reason was simple: It was slower than my last one.  Just about everything took forever.  Finally, I had enough and...

3 Ways We’re Streamlining And Saving On Christmas

The Christmas season is fully upon us.  We have finished our decorating and are getting ready for all the shopping, family gatherings, and seasonal activities.  A big part of Christmas has become gift giving.  This is true for us, especially with younger children....

Save Money on Volvo Parts, Maintenance, Repairs and Upgrades

All Volvo enthusiasts know how expensive it can be to keep your car up to date.  This is necessary even with their reputation for durability. From general repairs to performance upgrades, making your Volvo look and ride like you want can break the bank if you're not...

10 Important Money Concepts For Kids & Where Ours Stand

Our children are growing right before our eyes.  At ages 7 (my son)  and 5 (my daughter), they are learning more and understanding how the world works and how they fit in.  It is important to my wife and I to teach them good money habits and knowledge.  It seemed like...

Now Looks Like A Good Time To Consider A Mortgage Refinance

In 2011,  we refinanced to a 15-year mortgage that had a 3.375% interest rate and I thought we were set.  At the time, that offered us near the best rate that had ever been available, and it put us to a point where the payoff date would be right before our son would...

5 Reasons To Explain How Trump Won The Election

Donald Trump just pulled off what many people thought was impossible.  He has been elected President of the United States.  I'm not going to get into the politics, because honestly, I'm sure anybody with Facebook has seen enough of that.  Let's look at some of the key...

Health Updates To Finish Out 2016

It seems like the end of the year always brings health to the forefront.  Maybe because we have to sign up for insurance for next year.  It could be because we want to get ourselves ready for a healthier version to start off next year.  Perhaps it's because we know...

Why Don’t Timers Keep Good Time?

Timers are built into different devices that serve a variety of purposes.  You'd think that they would all have one thing in common, right?  Keeping accurate time.  After all, it's right there in the name! But, while this may be true for many devices, it doesn't seem...

Thinking Of Switching Roadside Assistance Carriers

Having roadside assistance is important to us.  Though it's been years since we've actually used it, the fact that we tow a couple of thousand miles per year makes it something we want to have.  Plus, I know that the minute I cancelled, we'd have something happen! One...

Life Insurance – Because Dying Is Not So Abstract Anymore

"We're not the young people here at work.  When did that happen?  Now we worry about things like...life insurance!" As we were discussing careers, a colleague and I lamented this thought.  I remember back when I started and was working with people all older than me....

The Importance Of Positive Messages

I read a post by Eliza at Happy Simple Life and it absolutely made my day.  She talked about her 'happy file' that she started years ago.  Whenever she gets a thank you note or a nice message from a friend or something else that expresses a positive thought from...

I May Never Buy A GE Appliance Again

For years, I've followed the trials and tribulations of the front loading washing machine issues surrounding mold and mildew.  Why?  Because the GE  front loading washer that we have has been plagued with these issues since we bought it in 2007. At the time, I thought...

If You’re Told To Evacuate, Then Evacuate

Hurricane Matthew hit the United States over a week ago now, but the cleanup and damage assessment still goes on.  One of the things that I saw in the days after Matthew was finding people that had died or that needed to be rescued.  While I felt bad for the people, I...

Before Keeping Up With Them, Ask Who Are Your Joneses?

Keeping up with the Joneses.  We've all heard it.  We know what it means.  Hopefully we don't do it. Keeping Up With The Joneses: Who Are Your Joneses, Anyway? But, since most people that you start comparing yourself to probably aren't actually named Jones (though,...

We Leased A Brand New Pickup Truck – Here’s Why

I've been doing this blog for years and I read a lot of other related personal finance blogs.  I love it.  One of the common themes that you'll see among the personal finance blogging community is to buy a car, whether it new or used, and then keep it for a long time....

Does Being Too Close To Money Make People Turn Evil?

The latest scandal in the banking industry has my shaking my head.  For those who haven't heard, Wells Fargo is in it deep because they basically set quotas for the number of add on services that employees were required to sell.  This was pushing people to go above...

Three Factors that Affect Futures Trading

When prices fluctuate, it affects every area of the economy.  When this happens people want to shield investments from negative fallout.  This can make futures trading a tempting option for some investors. Futures can reduce volatility for both businesses and...

Blogger Tip: Install One Plugin Update At A Time

The other day, I had a slight outage here at Money Beagle.  Chances are you missed it, as it wasn't down for very long.  It was only by sheer luck that I was able to get it fixed so quickly.  The experience taught me a valuable lesson: A plugin update problem can be...

Can One Bad Decision Cost You $450,000?

Bad decisions are inevitable.  Nobody is perfect.  But can one bad decision cost you hundreds of thousands of dollars?  The recent season finale of the TV show Big Brother has me wondering. Note: The post below contains spoilers for the recent season of Big Brother...

Homemade Raisin Bran: Easy, Healthy, and Frugal

Cereal is one of my favorite breakfast foods, and I've always loved Raisin Bran.  Even as a kid, Raisin Bran was definitely in the rotation on the cereals I would look for in the cupboard, and my taste for it has stuck with me all throughout the years. One thing that...

Now I Can Love Over 100 Libraries!

I've written in the past about how much I love our library and even though the post is a few years old, the love continues.  In fact, with two kids, our oldest who loves to read and our youngest who is getting interested in reading, we use it more and more! So,...

Tips to Make Money This Fall

If you want to change your life for the better and have a profitable fall season, you need to alter your attitude to life and the way you do certain things. The following tips will help you improve your financial situation in the coming season.  Here are some tips to...

The Money Blahs And Blessings

I've had the money blahs where everything with money and finances seems just meh.  That probably explains why I haven't posted too much. There's nothing in particular that's bumming me out, but just sort of a collective theme that is part boredom and part feeling like...

Understand the Basics of Spread Betting

Spread betting was started in UK in the year 1970 to speculate changing price of gold. Later it gained popularity and was used in financial companies. Today, in stock market people have started trading cautiously to earn for long term. However, one needs to have...

Stockpiling Works For Us (At Least For Now)

One of my long time favorite bloggers, Funny About Money, is contemplating something that you rarely hear about: Quitting Costco.  She's finding that, for her, not going to Costco is actually saving her money.  Could bucking the stockpiling trend actually work? I...

Don’t Let Automatic Payments Bleed You Dry

Automatic payments and subscription payments of every kind sure are convenient. Ever wonder why they’re so convenient? Because the companies you are paying want to make sure that you keep paying, forever if possible! An automatic customer is the best possible...

4 Reasons Why I Love My Smart Meter

Do an Internet search for 'smart meter' and the results aren't pretty.  Most of the top results are articles or blog posts complaining about smart meters and pretty much suggesting that everybody that has one is going to get cancer.  To that, I say, hogwash.  In fact,...

The Neighborhood Bully Is Quiet, For Ten Months Anyway

In 2014, I agreed to join our HOA.  I took on the role of Secretary and agreed to do so for a two-year term.  This brought me front and center to dealing firsthand with a long standing member that I'll call Howard.  He was one of the first owners in the neighborhood...

Should You Buy A Franchise?

When people think of franchises, they often think of fast food chains that could cost more than a million dollars to start. A McDonald’s franchise, for example, requires a minimum of $750,000 in liquid assets. While signup costs include the cost of construction and...

A Week Long Camping Trip At A New State Park

=Since we started camping in 2012, we've camped exclusively at Michigan state park campgrounds.  For the most part, we've found a good rotation of campgrounds that meet our needs.  These include electrical hookup, within 4-5 hours of home, and a nice beach, especially...

Tax Basics For Your Small Business

Tax law is very complicated, especially for small businesses. Employers are required to collect income withholdings from their employees, and there’s a self-employment tax for individuals who work for themselves. It doesn’t matter what type of business you’re...

Why We Decided To Pay More For Our Cell Phone Plan

I have been blogging about personal finance for quite a long time, and in doing that, I've gotten to read a lot of other great blogs.  One of the common themes that many great personal finance bloggers write about is trying to cut costs, and one big area is to reduce...

A Good Sales Pitch Makes All The Difference

We've lived in our house for nine years now, so I was at first a little surprised when, a few weeks ago, my wife told me that she wanted to learn how to cut the lawn.  There are very few hard and fast responsibilities on who does what in our house, but taking care of...

Am I The Only Person A Bit Worried About The Economy?

The economy has been on a pretty good path for the last 8 years or so with slow but steadily improving job numbers, reduced unemployment, and a rising stock  market.  Many have argued that the slow growth is 'bad' but I argued a few years ago that slow growth actually...

Turn Your Industry Knowledge Into A Consultancy Business

When you've gained a lot of experience in a particular field, you may find yourself looking at companies and thinking, They aren't doing things the best way. Then you probably have a good laugh at your own arrogance, thinking how unlikely it is that they'll ever ask...

Ross Perot Was 25 Years Ahead Of His Time

I can't believe it's been nearly 25 years since I voted in my first Presidential election, which featured the very first and only true opportunity by a third-party candidate to potentially win, at least in my lifetime.  I knew Perot because my father, at the time,...

Who Took The Worst Of The Great Recession?

Have you ever thought of what generation took the worst of the Great Recession?  I guess first we have to agree on what generation people actually fit into! The other day, my wife announced that she was a Millennial.  I originally disputed her on this, but then I...

9 Random Things On My Mind Or Going On – What’s New With You?

It's a good thing that the days get longer in summer because you need every minute of light and then some.  It's funny because I have found my 'falling asleep before bedtime' spot, which happens to be on one of the couches in the living room.  If you see me heading to...

Eating Healthy for Less Money In 6 Easy Ways

Eating healthy is all the rage.  As fads go, it is an especially beneficial one. From college kids to busy moms, people everywhere are thinking about health.  It seems pretty straightforward in theory, yet obesity and diet issues are on the rise. So, what’s the...

How Parents Can Teach Their Kids Not To Be Rapists When They Grow Up

I was out of the loop on a lot of news stories at the beginning of last week, so the first I heard of the frenzy regarding convicted Stanford rapist Brock Turner was a report where his father suggested that even the six month sentence, basically the minimum possible,...

Preparing for Retirement in Your Early 20s

Having a stress-free retirement with more than enough money to retire with should be what we all strive for. When it comes to investing and saving, millennials have some advantage over other age groups, as they have more time to save up. However, a study revealed that...

15 Summer Activities For Kids That Won’t Break The Bank

Summer isn't here officially but the weather says it is.  We have one kid who has finished pre-school and already started summer break, and our other will be done in less than two weeks (he's counting down the days *lol*). It's important to keep kids entertained,...

So The Item You Need Is Out Of Stock…Or Is It?

I had an a-ha moment at Home Depot the other day, and it made me want to share the experience.  I learned that an out of stock item might not be all that it seems. Need: A Second Window Fan We have a window fan in our bedroom that works pretty well, but it occurred to...

5 Things I Just Can’t Get Excited About

There are just some things that are everywhere.  They show up on the news, on trending lists, on the news, on your friends Facebook walls.  Whatever the case, sometimes things that are everywhere get nowhere for you personally.  You know what I mean?  Here are a few...

How I Easily Saved Money At Lowes

Spring is one of my favorite times of the year, but one of the things I don't like are the inevitable costs that come about for the upkeep on the yard areas.  Flowers are exempt, because, well, flowers are awesome, but there's always a few other things.  I had a list...

Financial Planning for Specialty Vehicle Purchases

Most of us wouldn’t mind owning a sports car, motorcycle, watercraft, or some other kind of vehicle used for excitement and relaxation. Money is the object, however, and the majority of these dreams don’t break through to reality. If the family budget can’t support...

The Question Of Loyalty

Here in the Detroit area, loyalty to the 'Big 3' automakers is always a hot topic.  At one point, it seemed like just about every family had someone employed by one of the automakers or parts suppliers, or had some other stake in the game.  Now, while there are a lot...

Breaking Up (With Our Dentist) Was Hard To Do

Nobody actually enjoys going to the dentist, right?  It is, after all, roughly 30 minutes of sitting there with your mouth open while someone pokes around with various instruments, some of which are sharp.  So, with all that fun, it does make things slightly more...

How Many Ways Can One Repair Shop Break an iPad?

Every once in a while, my sister-in-law stays over at our house.  We live fairly close to her work, and if she has something else going around our part of town, she'll sometimes crash in the guest bedroom.  A few weeks ago, she was staying over and came out of her...

Vending Machines And Disproportionate Rage

I can actually tell you the approximate last time I bought something from the vending machine here at work.  It was in February 2014. If that seems odd that I know that, read on.  It's kind of a funny story. Irregular Regular Buyer I'm normally not a big buyer at any...

Scoring a Deal: Common Car Insurance Quandaries to Be Aware Of

Car insurance can be extremely confusing. There’s of course basic coverage and protection to have.  There are also additional items and sub limits that you need to be aware of. Not every motorist’s situation will call for additional coverage or higher than minimum...

If You’re Paying More In Taxes, You Might Get Little Sympathy

I read a post on another one of my favorite blogs recently that rubbed me the wrong way a little bit.  I'm not going to point it out because I don't think the post was written with the intent to get anybody upset.  Plus, it actually dovetailed into some other advice...

Sexiness Is A Powerful Force

Just in case you are living in a rock, Kim Kardashian posted a naked picture on Instagram and Twitter last International Women’s Day. Stars including Chloe Moretz, Bette Midler and Piers Morgan called her out for being a bad role model for young women. She hit back by...

Why It Pays To Be Persistent

Here's a quick lesson on why it pays to be persistent when asking for something. Annual Conference Last week, I attended a project management conference here in the Detroit area.  It's held every year, and thousands of people attend as it gives required credits that...

Qdoba vs Chipotle: We Finally Tried Qdoba For The First Time

Both Qdoba and Chipotle have been in business near our house for years.  We don't go all that often, maybe once every few months, but when we've wanted a big old burrito wrap (or bowl), we always ended up in the nearby Chipotle.  However, Qdoba recently moved about a...

Consider Failure On Your Path To Success

I love a good success story.  Who doesn't?  There are so many stories about people who make money blogging that I thought I'd give some perspective. Make Money Blogging: Going Full Time As you know, I read a lot of different blogs and one of the themes that comes...

How To Get Fired From A Management Position In 4 Easy Steps

As I've gotten more and more years of work under my belt, you learn a lot of things.  These relate to how to do your own job, but also in watching other people do their jobs.  Everybody has their own style or way of doing things, and the repercussions of this can be...

Top Things to be Aware of Before Filing an Tax Extension

The tax deadline is quickly approaching, but if you haven’t filed your taxes yet, then chances are you may need to file an extension instead. As such, there are at least five things you need to be aware of before you file your request. You Can E-File Your Request That...

Amazon Must Limit Third Party Sellers

I had a pretty frustrating experience with Amazon recently.  By and large, I'm willing to forget about it for two specific reasons: Amazon rocks more often than not.  They've built lots of goodwill points It wasn't technically Amazon's fault The Lost Fitbit Charger It...

Kids And Money: 5 Things My Kids Teach Me About Money

Kids and money can be a fun mix.  My wife and I are doing a few things to teach our kids about money.  We have started giving our kids a small weekly allowance.  We have started talking to them about spending money and the different devices that we use (cash, credit...

Lesson Applied: Lower Prices Usually Return

Last year, my dad opened my eyes to a pretty simple theory about prices.  It's a simple theory.  It says that if lower prices go away, they will typically return.  Remember, no price is set in stone! That One Time Deal I learned the lesson last year when we were...

Changing Everything ‘About Me’

My dad and a reader both recently pointed out that I needed to change!  I haven't updated my Money Beagle bio information in quite some time. So as you can see they didn't point out that I needed to change myself.  Rather, that I needed to change the 'about myself'...

12 Items We Always Have In Our Pantry

We don't have a walk in pantry, but we do have some shelving downstairs at the bottom of the stairs that houses our stock-up items and overflow items. I was taking a look and noticed that there are some things that we always have.  They either: Are used in many...

Why Thursday Night Is Pizza Night (For Now)

Tonight is pizza night for us.  And Thursday nights will be for a while, at least the next couple of months.  And, it all has to do with....swim lessons! How Swim Lessons Beget Pizza Night Both of our kids have attended a not-for-profit co-op preschool during their...

Money And Health: Money Should Never Be Top Priority

Money is important.  I don't focus this blog exclusively on money or finance related articles, because I've been doing it for quite a few years now.  I just don't have it in me to crank out post after post about why everybody needs an emergency fund or how to get a...

7 Steps To Improve Your Credit Score

Few things are worse than finding out that you have a bad credit score.  Many people know that they have this hanging over their head, where others are taken completely by surprise when they go to take a loan or just do a check. If you have a bad credit score, then...

Why I Visited 1,132 Personal Finance Blogs (And What I Learned)

I've always had a slight obsession with, every now and then, doing a 'complete' review of something.  Over the years I've done things like: Read every book in chronological order from a particular author Listened to every single CD in my collection Played every video...

Saturday Sprinkle #1

I'm going to try something new and post some random thoughts that aren't big enough to justify their own blog posts, as well as mix in some links to other blog articles that I've enjoyed over the past few weeks. Weather - I don't know about you, but we have had a heck...

Is Forex Trading Safe?

Due to the rather poor performance of many open markets this year, countless investors have been turning their attention to the exciting world of the Forex industry. Considering that a massive $5.3 trillion dollars is said to change hands every day, this should come...

10000 Steps Per Day: Yes, I’m One Of Those Crazy Fitbit Walkers

One of the more trendy type of Internet article is the 'look back in time'. This has a list of things that happened during a particular year.  These bring back some memories, of course, and also make me feel old.  I'm convinced that in the future, when we look...

Why Donald Trump And Bernie Sanders Are Still Candidates

Seven months ago, I penned a post noting that I thought it was absolutely absurd that Donald Trump could actually be elected President.  While he still has a long way to go to be elected, he's come a lot further than I had thought.  Seven months ago, I figured he'd be...

How To Calculate The Value Of An Annual Membership

Do you have an annual membership or pass to any local attractions? Many families find annual memberships to be a great way to save money on favorite places or attractions.  They can be especially valuable for families.  We have young kids, so we have four different...

How Companies Active On Social Media Can Still Come Out Looking Bad

Social media is a great way to get in touch with companies, often to let them know that things aren't meeting your level of satisfaction.  Many companies have realized that social media customer service is a concept they need to embrace. In fact, many organizations...

8 Things Your Travel Agent Should Be Doing For You

Planning a trip can be a very exciting time.  Still, there can be a lot of stress to go along with it. Sometimes it's OK to plan things yourself.  This applies if it's a simple trip or if you have made arrangements before.  But, if you're taking a trip that involves...

Powered Device Not Working? Check The Battery Contacts

I've said this before on this blog, but the fact that it keeps happening makes it worth repeating: If you have a battery driven device that isn't working properly, it's important to check the battery contacts. This just happened to us again during a recent cold spell....

What Might We Do With Our Extra Money?

Looking at our money and our budget, there are a few things that have changed over the recent months, and it will require some change in planning on how we approach our money.  One of the things we'll have to look at it how we allocate extra money. Where Is This Money...

Should You Save Money Or Pay Off Debt First?

Whether you've gotten a reverse mortgage to dig yourself out of a financial hole, come into some money and are ready to start a more effective approach to budgeting, or are just trying to live a more financially savvy life, you are probably debating a common issue:...

Why We All Might Be A Bit Like Bernie Madoff

Recently, ABC aired Madoff ,a two-part miniseries about the biggest ever (to date) ponzi scheme that bilked investors out of $65 billion dollars.  By now, many are likely familiar with the details of the scheme, so I won't go into great detail except to recap that he...

Have You Ever Had A Financial Freak Out Moment?

Have you ever had a moment where you just flipped out about something money related? That happened to me last week.  The worst part is that my financial freak out ended up being a total false alarm! Costco Rewards Time Is Almost Near Around the beginning part of the...

Only Buy Sale Items At The Fancy Grocery Store

We have a few different grocery store options near us, and they cover all of the different price categories that I would say are available.  Here's how I would define the price options and an example of each that is pretty widely known: Cheap: Wal-Mart Moderate:...

Bummer News About Our Cat Boomer

Last week wasn't the best week in our house, as we had to put our cat Boomer to rest. Boomer was my companion for a little over fifteen and a half years.  When he came into my life, I wasn't looking to be a cat owner to another cat.  I already had one, and had...

Book(s) Review: Last Hundred Year Trilogy by Jane Smiley

tI read a lot of books, as reading fiction is one of my favorite hobbies.  Every once in a while, one book hits me to where I want to share my thoughts.  The Last Hundred Year trilogy is actually three books that did just that! I make great use of our public library,...

Thoughts On Amazon Prime Benefits

We joined Amazon Prime last fall.  Tjey offered a $32 discount on their normal $99 price as a one-day promotion for new customers. Since we had considered it in the past, we decided to take the leap.  Now that we've had it for just over three months, I figured it...

Disney World Problems: Unplanned And Unavoidable Issues

As I've outlined with my series of posts, our Disney World trip last November was an incredible experience.  It was made more so this way because of all the plans that my wife put into the trip. She spent hours and hours and it definitely paid off.  However, on a week...

Detroit Neighborhoods and Downtown: A Tale Of Two Cities

I am one of millions who call themselves 'Detroiters' but who live away from the city.  For us, the city of Detroit is about 15 miles away.  A 25 minute drive and we're there, though sometimes it feels like a million miles away.  Increasingly, that type of separation...

Our Disney World Experience: This And That

I've spent a few posts over the last few weeks going over our amazing Disney World trip that our family took back in November.  All in all, the trip was great, and past posts have talked about the theme park, our resort, and dining option. Here are a few categories...

Buying Exercise Equipment Is A Terrible Idea

It's a New Year, and we're all ready to get in shape, right?  There are many ways to get moving toward that goal.  One thing I want to recommend that you don't do is buying exercise equipment.  In short, I think it's a terrible idea! Don't get me wrong.  Getting in...

Our Disney World Experience: Disney World Dining

This is the 4th post in my series on our recent trip (November 2015) to Disney World.  This was a huge trip for our family, one that we consider 'once in a lifetime' and that my wife planned out to give us the most magical and memorable experiences.  I've already...

Financial Goals: 2015 Review and 2016

Well, another year is in the books, and it's time to look at our financial goals, specifically to see how we did, and how we'd like to see the year play out ahead. Overall, we saw our net worth increase, but it was a disappointment in the fact that we fell short in a...

Money Beagle’s 2015 Year In Review

2015 is drawing to a close and I wanted to take a moment to look at a few highlights from the year.  I'll have a post with our financial specific goals early next week, but this covers life and such.  In no particular order: Family Our kids got another year older and...

Build Wealth And Reduce Debt Today

We live in a world that differs from the ideal one we could imagine. While it’s simple enough to picture a utopia, most people would agree that this isn’t the world we live in. The same goes for our individual lives. It’s easy enough to imagine a set of goals (getting...

Be Frugal With These 4 Common New Years Resolutions

We're just a few days a way from ringing in 2016.  I'm always excited for a New Year as I think it brings new beginnings.  One thing I do participate in is taking on some New Years resolutions, because, why not?  It's fun.  One thing I don't do is make them these big...

Smart Shopping: Top Tips for First-Time Homebuyers

Buying a home for the first time can be incredibly nerve wracking. With a few tips in mind, however, you can navigate this tricky experience to land a home that's ideal for you and your needs. When shopping for your first home, be sure to reflect on the following...

Making the Downsizing Decision: Reasons It May Not Be for Everyone

The bulk of money and real estate experts laud downsizing as a fabulous way to get ahead, not just financially, but also socially, physically and mentally. The common advice to declutter and move to a smaller space is not as one size fits all as you might believe,...

Real Estate Investing: Avoiding the Most Common and Lethal Mistakes

Many investors get into the real estate game because they believe they can get rich quickly.  They buy property, collect great amounts of rent for a couple of years, and then sell when prices appreciate. This is not how real estate investing works, however. It takes...

Our Disney World Experience: Animal Kingdom Lodge

This is part 3 of what I think will be around a 6 part series on our Disney World trip.  We took our trip in November 2015.  The first two posts talked about the park experiences, and since this was the centerpiece of the trip, that was split into two posts. This is a...

6 Low Cost Ways We Have Family Holiday Fun

Holidays can be a stressful time.  They're certainly busy and full of many activities.  So,it's good to have some ideas for family holiday fun. After all, family is really the most important part of the holidays. For our family, there are a few different things we've...

Our Disney World Experience: Hollywood Studios and Animal Kingdom

Here's my second post about our recent Disney World trip.  Our first post talked about two of the four parks, Magic Kingdom and Epcot, and since there was so much to talk about there, I decided to write another post about the other two parks, Hollywood Studios and...

How to Compare Auto Insurance Quotes to Get the Best Price

You would never consider buying a car without doing some cost comparison to see how much money you would save. So why would you sign up for an auto insurance plan without doing the same? If you have little to no clue on how to compare auto insurance quotes, here are a...

This Woman Needs Some Christmas Spirit, Pronto!

It's tradition for our family to go visit Santa at the mall once per year.  We all dress up in our nicer clothes that my wife picks out for all of us, and head over so that we can get pictures and such.  Last year, we switched malls, going from the most crowded mall...

Our Disney World Experience: Rides at Magic Kingdom and Epcot

We did it!  We finally completed our Disney World trip.  I had written about how we were planning a trip to Disney, along with some follow-ups along the way, and we finally completed our trip last month. I want to share our experiences and thoughts, but since we did...

Organic Foods At Costco Are Being Shoved Down Our Throats

I've always been a pretty big fan of Costco.  I enjoy the value that we get with our membership, but I am really starting to get annoyed by how organic foods at Costco are being forced upon us. First, let me start off by saying that I have no problem with organic, but...

Why And How We Create A Christmas Budget

It's that time of year, and shopping is already underway in earnest. I'm sure that many of you have gotten started with your shopping, and many will also be waiting until the last minute.  I generally fall somewhere in between that spectrum. I thought I'd take a...

Why I Didn’t Report My Lost Credit Card

Have you ever had a lost credit card?  What about if it wasn't lost but more so just misplaced?  What do you do? Our Night Out Several weeks ago, we went to the last of our country concerts for the year, as we went to see Luke Bryan in downtown Detroit.  It was a...

Stay Healthy For Less Money

If you believe the commercials and magazine covers, you might think that it is impossible to get in shape without paying for an expensive gym membership, money-munching diet plans and loads of pricey equipment. However, not only is it possible to save money on getting...

Is The Quality of CFL Bulbs On The Decline?

I know many people don't like them, but I've always been a supporter of CFL bulbs.  Some of the early bulbs were a bit hard to handle.  Plus,they developed a reputation early on about taking a long time to light.  Even though these have improved, many people don't...

When Taking Twice As Long To Do Something Is Just Fine

We are in a neighborhood with a lot of mature trees.  As such, we have a lot of leaves come fall.  Raking and jumping in leaves is definitely on our agenda.  I try to mow the leaves to mulch them back into the yard, but there's always a couple of weeks where they fall...

Do You Speak Up About High Prices?

I had a situation pop up recently where I found that a price was way higher than it should have been.  I  thought it would be a good time to reflect on high prices. Our Gutters Our gutters in the back of the house are clogged with leaves.  I never had them cleaned out...

Is Our Mortgage Payoff Too Aggressive?

Four years ago, we made the decision to refinance our mortgage.  We hit the time when rates were about the lowest they've ever been, and decided to get into a 15-year mortgage.  This would increase our payments but lower our total interest.  It would also move forward...

No Rise In Health Care Premiums Next Year

Next year will see a first for me.  My out of pocket health care premiums will not rise next year!  Well, technically, we've had a couple of years where they went down, but it was because we chose a plan that had less coverage.  But never before have we kept coverage...

7 Work Habits That My Co-Workers Might Consider Peculiar

I really like where I work, as evidenced by the fact that I've been working here for over nine years now. I've definitely settled in.  There are a number of work habits that I've developed that work for me.  However, I wonder how many of these my co-workers might...

Maybe It’s Time To Quit Facebook For Good

How many times do you check Facebook feed in a day? Are you constantly waiting for friends you barely even know to “like” one of your posts? When the social media juggernaut launched 10 years ago, it was a novel idea that promised to reconnect you with long lost...

7 Reasons I’m Nervous About Our Cell Phone Plan

I'm starting to get a little stressed out about our cell phone situation. We are on a family plan with Sprint.  Both my wife and I have been on Sprint for years, probably both well over 10 years.  When we got married, she moved over to my plan.  Later on, we actually...

Tweaking My To Do List To Improve Productivity

One of the first things that I do at work each morning is type up a to do list.  I used to write it out by hand, but now I have an Excel file that I modify each day.  It's actually pretty nifty. Organizing By Recurrence I have two columns of tasks. The left column...

Cider Costs: What The Apple Is Going On Here?

Fall and apples go hand in hand here in Michigan, as I know is the case in many other parts of the country. We have always enjoyed many of the activities that fall brings, and those centered around apples have always been favorite, specifically going to the cider mill...

Budgetary Demands Should Conquer Other Considerations

Everyone enjoys spending money. Unfortunately not many are particularly good at following a budget to keep their finances in good order. The level of credit card debt in the USA suggests that there are plenty of people spending on a regular basis without actually...

Starting A Run Is Harder Than The Finish

Have you ever run?  Did you ever notice that starting a run is harder than finishing.  At least it is for me.  Read on! Getting Back In The Groove Recently, I was talking to my wife about something I noticed while running.  I've recently ramped up my running after...

Declining Net Worth: A Personal Mini-Recession

I think the economy is fine, even though many Wall Street followers will try to lead you to believe otherwise.  But, unfortunately, we're in a bit of a rut with our personal finances. I just completed our net worth analysis, and for the fourth month in a row, our net...

No Exam Life Insurance: Guaranteed Issues vs. Simplified Issue

Not all no exam life insurance policies are created equal. There are two primary differences when it comes to these policies.  These are guaranteed issue and simplified issue. One aims to make the process more convenient while the offer is a last attempt at getting...

We Joined Amazon Prime

For the first time ever, our household has joined Amazon Prime as paying members!  We had previously been Prime members for a trial period during the heyday of the Amazon Mom program, and scored lots of great deals on diapers and such, but once our free period ran...

Working From Home

With more and more people quitting their jobs to pursue their passions as freelancers and home based entrepreneurs, the landscape of work is changing. Back in the day, you had to to have a 9-5 job - any job, especially if you were the man of the house - just to...

Disney World Planning. We’re Less Than 2 Months Away

A few months back I wrote about how we had made the decision to take a family trip to Disney World later this year.  Well, most of the year has passed and we're now less than two months away from taking our trip.  I've been bad with updates (a whirlwind summer with...

Why You Should Ignore The Doomsday Stock Market Predictions

The stock market has not been pretty as of late.  All three major US indexes are in or have at some point recently dropped into correction territory, which is noted as a 10% drop.  Some stock market predictions are coming out that are driven by pure fear. The bulls...

5 Simplistic Ways Small Businesses Can Save Money

Working with a small budget? Need ways to cut back on operational costs in an effort to increase profit? Owners of small businesses don’t have the same financial luxuries of a large organization.  As such they must make economic decisions that will allow them to save...

Mystery Solved: Dilbert Works At Volkswagen!

If you work in an office, chances are you've run into one comparison between your office and the Dilbert comic strip.  I love Dilbert, and ever since the stopped making new Far Side strips, it's my desk calendar of choice.  One of the things I've often wondered is...

8 Ways To Effectively Multi-Task

We've all got a lot to do.  As life moves along, there's always many tasks to accomplish and goals to achieve.  Is there ever a time where you don't have more than one task to complete?  As tasks come from so many different areas including work, home, kids, education,...

10 Things I’ve Been Up To Lately

It's mid-September already, and that just blows me away.  It doesn't seem like but a few weeks ago that summer was just starting.  We had dreams of long days at the beach and warm nights.  Now we're holding onto every last bit we can.  We've even had a couple of...

7 Ways To Improve Your Credit Score

Nobody knows the exact methods by which your credit score is calculated, but you should definitely understand the importance of having a good score, and some methods which will help you improve your credit score. Here are 7 Ways To Improve Your Credit Score Pay on...

6 Questions To Ask Before Any Major Purchase

We've all made major purchases at one time or another.  Whether it be a new (or new-to-you) car, a home, an education, or some other 'big' purchase, dropping a big wad of money on something happens to everybody. The key, however, is to make sure that your money is...

Car Dealership Repair Shops Are A Ripoff!

Do you use dealership repair shops for your service needs?  I often have but am reconsidering. A Design Flaw In Our Rainier I take pride in the fact that we have two older cars that are fully paid off.  In the long run, avoiding car payments has saved us tens of...

I Hate Buying Or Doing Something Twice

One of my pet peeves is when something gets done and then has to be done over again.  Doing something twice?  Argh!  The same goes with buying something and having to buy it again. I tend to take the long view on this, as well.  For example, I shook my head when I...

Those Crazy Russian Drivers

Taking a little break from personal finance, I thought I'd talk about some things that amuse me of late.  One of the biggest things I've recently been turned onto is Russian Car Crash videos.  You can find thousands of them on Youtube, just start typing Russian Car,...

Just How Many More Years of Jim Cramer Must We Put Up With?

My mother-in-law is very close to retirement.  She actually gave her notice and then very nicely agreed to work a bit longer when they didn't find anyone to replace her by the time she was set to leave.  But, her clock now is 'any day' and I know she's looking forward...

I Declared War On Our Basement Clutter

Over a year ago, I wrote about a plan to take on clutter.  While we tackled many of the items mentioned, we didn't get to all of them.  In some areas, the reduction was just window dressing.  The major area where this applied was our basement.  The basement clutter...

Should We Consider Giving Our Kids An Allowance?

Hopefully my readers can weigh in on this question regarding allowance. The Allowance Question Our kids are 6 and 4 and we have started talking about whether we should consider giving them an allowance.  Both kids definitely understand the concept of money, so far as...

The Richest People in America You Might Not Know

Forbes releases a comprehensive list every year that identifies the richest people in the country. It's not surprising that Bill Gates consistently reaches the highest spot. The Microsoft Founder has a net worth of more than $70 billion. You might not be surprised...

I Love Our Home Carpet Cleaner

A number of years ago, I'd purchased a home carpet cleaner.  I used it at my condo a number of times, but eventually it was no longer effective.  I tried cleaning it out and getting things back to working order, but it simply was not meant to be.  At the time I had a...

Could Donald Trump Actually Be President?

By now, I'm sure that everybody knows that Donald Trump has been leading many polls for who people would vote for if the election for the 2016 Republican Presidential nominee were held today.  This upsets many people, causes our understanding and appreciation of...

Those Who Short Stocks Are Terrible People

I generally try to avoid stereotyping people with generalizations.  Still, I'm pretty much at my boiling point on this one.  I have come to the realization that I can't stand people who regularly short stocks. What Is Short Selling? Shorting a stock is basically the...

Thoughts After Experiencing Uber Firsthand

Uber is one of the more popular new things over the past couple of years.  I've read a lot about the benefits both of taking Uber for rides and driving for Uber as a way to make money.  The articles and posts are many, and the topic has always interested me, but I...

Can E-Cigs Save Smokers Money?

We all know the many well-known  negative consequences smoking has on your health.  But, the constant increase of taxes has meant the cost of buying traditional cigarettes will put a major dent in your budget. There is no sign that governments will let up on taxing...

Not Stocking Up: When It’s Time To Stock Down On Groceries

It's common advice to 'stock up' on certain grocery items.  If you can buy stuff that you will use regardless, get it at a good price, and use it before it goes bad, then there are many advantages to stocking up.  Some examples on things that are great to stock up on...

June / July Book Reviews – The Girl On The Train and 3 Others

I've been busy reading this summer.  We recently finished up a week long camping trip.  We had great weather, which meant a lot of time available to read!  It was great!  Here are four books which I've completed over the past few weeks. The Girl on the Train - Paula...

Medicare Fraud With A Sickening Twist

There's an ongoing story that's received a lot of local attention over the past few years, but I'm not sure how much national coverage it's received. It really deserves attention just to put the word out there in hopes that such terrible acts are never committed...

How I Used Logic To Fix My Remote Keyless Entry

My Pontiac G6 is nearly 10 years old.  So, it stands to reason that things might start to wear out.  This started to happen to the remote keyless entry fob. The Steady Decline Of The Remote Keyless Entry Fob Over the past winter, things weren't working right on it at...

General Mills Might Be Going Off The Rails With Yoplait Yogurt

I love yogurt and typically eat one cup every day.  I've not hopped aboard the Greek yogurt bandwagon, as I really don't care much for the texture and taste, but I still stick with 'regular' yogurt. A year or two ago, as part of an effort to eliminate the...

Plantar Fasciitis: Taking An Unwanted Break From Running

Everything has been going great with my running program, so it was bound to happen that something would step in and throw a monkey wrench in things.  Sure enough, I started getting some heel pain and after doing some research, I've determined that I likely have a mild...

I Almost Lost My Fitbit…Twice!

I've been really happy with my Fitbit now that I've had it for a little over six months.  For the most part, it's worked flawlessly.  I've had some sync issues, but have been able to work through that.  I also had an issue where it stopped 'buzzing' when I hit my step...

Swallowed Coin: Thoughts As I Followed The Ambulance To My House

My wife often calls me at work a couple of times throughout the day, so when the phone rang on Monday morning, I thought nothing of it as I picked up.  But this was a different call than I've ever received.  It's one that I hope I don't have to hear again.  She was...

Preparing For Retirement

Before you know it, your retirement will be here. Whether you are nearing it, or it is still a few decades off, it'll get here sooner than you think. When that time comes, you will want to be as prepared for it as possible. There is a lot that goes into preparing for...

If It’s Not One Car Repair, It’s Another

The great thing about having two cars that are fully paid off and have relatively low mileage is that we don't have a monthly car payment. The bad thing is that they still cost money.  Both of our cars are in such a phase right now. We set aside some of our 'tax...

What Are Your Most Memorable Work Stories?

I just figured out that I've been in the professional work force for nineteen years now.  I've worked at a variety of different jobs and have encountered many different people along the way.  Many have been long forgotten, but there are a few that left their...

12 Summer Vacation Activities For Our Young Kids

Today is the first official day of summer vacation, and it's also a very special day, it's our daughter's fourth birthday!  She's been done with pre-school for a couple of weeks, but last Friday was the last day of kindergarten for our six year old boy.  Now that the...

Why We Pay Taxes

The United States of America is almost 320 million people strong. We live spread out across a diverse slab of land stretching almost 3000 miles across, not counting our noncontiguous states and territories. Our armed forces are stationed on 662 bases in 38 foreign...

How We’ve Dipped Our Toe Into Using Craigslist

I haven't used Craigslist in quite some time, but decided to give it a shot and have had pretty good luck. I've been a little spooked by some of the different horror stories, and I suppose there is always a risk any time you sell anything, whether it be through...

Lesson Learned: Not All Septic Safe Toilet Paper Is RV Compatible

Last year I went through some minor drama with regards to our camper's black tank, which is the tank that the toilet empties into.  Don't worry, there's nothing too queasy here! Essentially, we use our toilet mostly for number one only.  Since we camp at campgrounds,...

Do You Brush Your Teeth During The Day?

For just about all my life, I have brushed my teeth two times per day.  I brush once in the morning after I wake up, and once in the evening before I go to bed.  Outside of that, I never brushed during the day.  Well, I would on days I went to the dentist.  So, two...

Things I’ve Heard Said About Forex

There are many different ways to invest, trade, make, and lose money.  Just about all of them are available in some fashion on the Internet.  One of the big buzz words that I've heard over is Forex.  I thought I would do a little digging on my own to find a little bit...

Reading, Watching, And Listening: May 2015 Entertainment

This is a personal finance blog, right? But every so often, I get more on the personal side of things.  Some of my favorite bloggers have been those that I get to know through their stories, experiences, and likes.  I hope those that interact with me here at Money...

I Ran My First 5K Race This Past Weekend

I've been doing treadmill running pretty consistently throughout 2015.  I'm pretty proud of my progress.  One thing I hadn't done is an actual race.  That finally changed!  My wife convinced me to sign up and I finally ran my first 5K.  It was a lot of fun!  We ran...

Put Your Worry To Productive Use

If you're anything like me, chances are you've had nights with little or restless sleep because of something on your mind.  Whether you can't fall asleep, or you can't fall back asleep after something wakes you up, when something gets in your head, sometimes it just...

6 Ways To Save On Wine

My wife has really gotten interested in drinking wine over the past couple of years.  She never really found her 'drink of choice.  But, once she started sampling various wines, she realized that she really enjoys wine over other types of alcohol.  Over time she's...

Don’t Write Your Goals In Permanent Marker

By day, I am an IT project manager.  This means I am normally juggling multiple projects in various stages. For each of these, goal tracking is key to success.  Right now, I have three major projects going on.  One is just starting off (planning), one is midway...

Funding Retirement in California

The state of California and its citizens are being held hostage, by the funding of its public workers retirement plans. CalPERS, the city’s union that funds the worker’s pensions, is owed more than $200 billion dollars by the citizens of California. With the cities...

Stolen Debit Card: This Crook Had No Idea What He Was Dealing With

I work in an office area that's fairly open. We have half walls and the cube layouts are broken out into areas where three of us sit in a shared area.  Each of us has a corner with one corner open to enter and exit.   I like the two people I share space with a lot,...

2015 Goals: The Year Is One-Third Over Already

It's hard to believe that today marks four months gone out of the calendar year of 2015.  Time has been flying, and hopefully you are meeting and beating your goals, and setting new ones.  If you are, then congrats to you!  If you're not, then I have good news for...

Panama City Beach: Short Term Pain For Long Term Gain

The number of years since I've last been to Panama City Beach is growing, but it still holds lots of fond memories and is somewhere I would like to go back to.  I did a six month assignment for a former employee where I worked at a hospital doing IT strategic and...

2015 Spring Projects List

Spring is upon us.  With that comes projects.  There are a few spring projects that I have committed to. Deck Painting Last fall, we had some work done on our deck to take care of some problems.  We had the handrails reinforced.  We also had the stairs practically...

Accountability Can Improve Results

This year, I've been posting various updates centered around my fitness activities, mostly centered on running.  It's not that finance has become less important or more boring, it's just that running is something that's relatively new to me, but the posts also offer...

How Does Panera Bread Stay In Business?

OK, let me start this off by saying that I have a fond appreciation for Panera Bread bagels, especially their Cinammon Crunch variety, which is worth every penny of the $1.49 price that they charge as a once-in-a-while treat. However, my appreciation for Panera...

Cardboard Fort Fun: Did The Fun Police Go Too Far?

Have you heard the latest news from Utah?  A dad built his kids a fort made of cardboard.  Sounds innocent and fun, right?  All was good, until he got a notice from the city saying it wasn't good.  He was told that the 'trash pile' was illegal.  The fort had to come...

Avoiding Audits After Tax Season

To paraphrase Jim Croce: You don't tug on superman's cape Don't spit into the wind You don't pull the mask off that old lone ranger And you don’t mess around with the IRS At least, that’s how Al Capone would have sang it. The Department of Education, on the other...

12 Things To Do Now That Spring Is (Almost) Here

Spring is in the air, at least it is every once in a while here in Michigan.  The calendar says spring and we've had a few nice days, though once again, the jet stream by and large has not been in our favor.  Still, it will come, and regardless of where you are, here...

March 2015 At The Gym

We're in month three of tracking my exercise and fitness progress for 2015, and after a full quarter of the year (can you believe it), I am very happy with the progress.  Here is my quarter-way-through check in on my 2015 exercise journal. My Goals I wanted to...

10 Tips to Save More Money

Regardless of how many kids you have, your marital status, the amount of debt you have, or even your income, it’s possible to save more money than you imagined possible. Financial professionals know that the best way to save more is to start with small changes.  Here...

I Miss Streaming Music But Not Enough To Pay For It

One of my favorite RSS feeds is that of Slickdeals.  I actually have two different ones that go and grab deals in their 'Front Page' and their 'Up & Coming' sections.  I've found some pretty cool deals and coupon codes along the way. A few months ago, I happened...

Financing Options after a Foreclosure

A foreclosure is a big black mark against your credit. There's no getting around it. Lenders will be less willing to work with you and if the foreclosure has been within the last 2 years, they may not be willing to work with you at all. When a lender is making a...

Brown Bag Ideas: How I Keep Lunch Fresh

I don't go out for lunch.  Period.  Or at least, it's pretty rare, maybe once or twice per year.  Outside of that, I brown bag it.  Well, actually I have a reusable bag that's gray so as to save on waste, but you get the idea, right? So, how do I keep it fresh.  Well,...

US Heading For Economic Problems If Literacy Levels Stay Low

Most people know that the USA no longer leads the world in education.  However, few Americans realize how literacy levels have fallen compared to other countries. A report by the Education Testing Service (ETS) outlines how the drop in educational standards is much...

My First Big Running Fail

I've posted a couple of updates on how things are going with my running program.  Although March still has some time, I can say that it's shaping up to be another solid month, except for an experience earlier this week which was a giant fail. I do all of my running at...

Good Old Uncle Sam Will Be Getting Our Money This Year

I got an e-mail I knew was coming regarding a 2015 tax refund.  The e-mail was from our CPA (and family friend).  The e-mail started  "Welcome to the world of No Tax Refunds".  This wasn't a surprise as I had done some rough math.  Still, that's never news you want to...

Good Ways to Make Money from Home

No matter if you want to work solely at home or need a secondary source of income, there are plenty of ways to make money at home. You don’t need to invest in gimmicks either. Check out the below five ways to bring in more money working from home. Educate Others...

How to Save Money on Moving Expenses

Moving is exciting. However, it is also costly. There are a few simple things you can do though to save you money on your moving expenses. Get Packing Materials Early As long as your move isn’t unexpected, you can start getting your packing materials early. You’ll...

Accomplishments Are Sweeter When You Push Through

Last Tuesday before bed, I laid out my clothes for the next day, including my workout clothes, as I had penciled in a workout for the next morning.  When the alarm went off on Wednesday, I did not want to go! Why I Didn't Feel The Motivation I didn't feel good -...

5 Reasons Why Senior Life Insurance is Worth It

It’s becoming a very popular question: is life insurance really necessary? Well, not if you do not have dependents. Senior life insurance can be costly. However, if you have a spouse, children, grandchildren, or others that depend on you financially, senior life...

Don’t Take it Personal…It’s Just Your Credit

Credit is something that not only affects you, it can affect everybody around you on a personal and professional level. Many people believe that having a bad credit score should not affect their credibility or reliability in their circle of friends or colleagues....

9 Reasons Why We Don’t Buy Shredded Cheese

It's been a long time since we've bought a bag of shredded cheese.  Back in my single days, that's all I ever used.  I'm honestly not even sure I owned a cheese grater! Now, we buy only block cheese and shred it ourselves. Here are six reasons why block cheese is...

Great Wolf Lodge Review – Sandusky, Ohio

We had a great family mini-vacation last year at the Great Wolf Lodge in Traverse City, MI, so this year, we decided to take another trip, only this time choosing to visit their location in Sandusky, Ohio.  The main reason we did that is because of the drive time. ...

Your Credit Score Is Your Real Permanent Record

Remember when we were kids? Did you know what a credit score was then?  Of course not.  Our teachers could get us to behave simply by promising us that, if we didn’t get in line, the incident would be written up and go on “our permanent records.” We were taught to...

February 2015 At The Gym: Solid Running Results

I started off the year looking to log my running totals and exercise results for the year.  January was a good month, and I'm pleased to note that February was a success as well! My Goals My goal for the first several months of the year is to concentrate exclusively...

Why Are Furnaces So Expensive Anyways?

We've been having some issues with our furnace lately.  It was a brutally cold month of February and so when the furnace would lock itself out for three hours, we would notice right away, especially when it seemed to happen most often during the morning, when it was...

A Double Lesson In Carelessness

My phone rang around 7:30am the other morning.  When I saw that it was my wife calling, I knew that it was not good news.  Between 7am - 8am, it's pretty hectic.  Two kids are getting up.  This means there's a lot of activity.  Teeth are getting brushed.  They're...

Benefits To Attending Professional Conferences

I'm a project manager by day.  Once I dedicated myself to this career path, I attained my Project Management Professional (PMP) certification in 2008.  I've been a member of the Project Management Institute (PMI) ever since.  This shows that I understand the general...

How To Finance Your College Education In 2015

College tuition fees rise every year.  This makes it hard for cash-stripped students and families to afford college costs and other expenses. People are becoming ever more aware of the value of a college degree. So, more and more are seeking ways to finance a college...

The Downside Of Hiring The Best People

Hiring the best and brightest is probably the goal of many organizations.  We laugh at comics like Dilbert.  They contain funny characters like Wally, who are horrible at their job.  In an ideal world, those type of employees wouldn't exist.  If we could only hire the...

Reducing Our Disney World Trip Budget

Recently, I wrote about how we are planning a trip to Disney World for our family later in the year.  I have been pretty happy about some things that have happened that are allowing us to reduce our budget by a pretty nice amount!  Ultimately, the biggest benefit...

Thank Retired Politicians For Awful Roads

I live in Michigan.  The road conditions here are an absolute mess.  Only one-third of roads are in good shape. A 2013 review showed a full one-third of roads rated in poor condition, which means that they need to be replaced.  They're beyond where patching or...

Planning A Trip To Disney World

We have been talking for a couple of years about planning a trip to Disney World when our kids were old enough to enjoy it, and we have finally set a date and put the plans in motion. Here are some updates: When: Fall 2015 We are planning a trip for later in the fall....

January At The Gym – Monthly Running Update

I never really stated it as a goal (namely because I didn't do 2015 goals on my blog this year), but I wanted to get a little more serious about tracking my fitness through 2015.  I have a Fitbit that I really like that is helping with the day to day tracking, but...

Contemporary Window Treatments On A Budget

The window treatments industry has evolved over the years.  So much that it's been hard to keep up. We were once limited to a handful of options.  These included roller blinds, Venetian blinds and perhaps even the odd blackout shade. Now these very same products are...

Guns: I Just Don’t Get It

Guns.  I just don't understand it anymore. Let me start off by saying this post won't be talking about gun rights or gun control.  I'm not here to take anybody's guns away, but I'm also not here to defend anything to do with guns.  What I'm here to do is simply to...

Desk Job Alternatives I Would Consider

I'm pretty comfortable at my desk job.  I've always been more of an office guy.  I'm definitely not what you'd consider rough and tough. While I enjoy working on things and getting things done,I've never thought about life outside of the office.  But, maybe it's time...

Set Your Debt Free Date And Stick To It!

When I started catching up on e-mails that piled up over the holidays last month, one of the first ones I opened was from Jackie at The Debt Myth, a fantastic personal blog that tackles debt in real and sensible ways.  She had a great idea to get as many bloggers as...

Take Your Time To Achieve Better Results

One of my favorite sayings is the one that goes "There's never enough time to do it right, but there's always enough time to do it over."  I love it because it's so true!  It applies in so many areas in life, but it's a lesson we often forget. Teaching The Value Of...

Why I Purchased A Fitbit Flex

I'd heard about Fitbit, the activity tracking devices that are used to promote health and track exercise, but I didn't really know much about them until a few weeks ago.  I work for a health care organization, and they worked out some deal where employees could buy...

The Latest And Greatest Light Bulb Strategy

Since CFL light bulbs began attracting widespread popularity, one number that I've heard is that a good rule of thumb for the average lifespan of a CFL bulb would be approximately seven years. I'm here to attest to the fact that this certainly seems to be true! We...

Spending Money You Don’t Have Is A Recipe For Disaster

I received some good news at the end of last year. Our company will be giving a small across the board salary adjustment, an increase of 2%, starting in April of this year.  We're in the health care industry and the organization, like many, has been going through...

Internships Give Opportunities To Everyone

Did you ever have an internship as part of your education?  I was lucky enough to have two internships during my undergraduate study.  I enrolled in a program that gave us a business management track where we took set courses about economics, management, accounting,...

5 Ways To Improve Your Attitude For 2015

One of the things that I want to do for 2015 is have a more positive attitude.  It's so easy to get dragged down by big things in your life, or even little things that affect the moment, where you find yourself snapping at your spouse or kids, worrying too much, or...

Best Of Money Beagle In 2014

It's amazing to think that 2014 is almost in the books.  It seemed like just yesterday we were welcoming in the year and thinking of the promise of things to come.  It's almost over and I hope that you reached your goals, found happiness, and made it through the...

Why You Should Pretend Gas Is Still $4 Per Gallon

Michigan has some of the higher gas prices in the country, and the area where I live generally has some of the higher prices in the Metro Detroit area, so when I'm seeing prices around $2.69, I know that gas has gotten cheap.  I'm sure you've seen it too, right?...

Use Gift Cards As Currency For Holiday Shopping

As holiday shopping starts winding down (or starts to peak for those who have not gotten started), one fact remains and that is that the holidays are expensive.  Have you had your first bill come in or checked your credit card statement for pending transactions yet?...

Take Lessons From Tragedy

Tragedy comes in many forms, but in every case, it is based on something profoundly sad, heartbreaking, and usually involves loss.  You know tragedy, right?  You have likely had a tragic event if your life, known someone who has, and if you read or watch the news...

Why You Need To Accept Responsibility For A Job Loss

So, you lost your job?  You got fired.  You got canned.  You got the boot.  Whatever you call it, the bottom line is, it sucks.  It's happened to me, and trust me, it is something I hope to never have take place again.  Has it happened to you? If it's happened, there...

Reasons To Consider Leaving Your Job (And Reasons Not To)

I recently thought about my current job and realized that I have been employed here for eight and a half years.  That's over double the time I held any other job in my professional career.  It got me thinking about what has kept me here, but I decided to look at it...

I Was Right And Wall Street Was Wrong About Black Friday

Two weeks ago, I wrote a post lamenting that it didn't seem that Black Friday had a lot driving it this year.  As it turns out, I was correct in my assessments as it was reported that sales were down over 10% for the Black Friday weekend.  Predictably, Monday was an...

When Procrastination And Impatience Pay Off

Usually when you wait until the last minute on things, you either spend more money or miss out on an opportunity for something. Such a thing almost happened to me. We had our first bout of winter weather recently here in Michigan, and as it hit, it became obvious that...

Pizza: Homemade vs. Carryout vs. Sit-Down

Pizza.  Who's having it tonight for dinner?  Chances are, somebody reading this is already planning on pizza as tonight's dinner.  And, now that I'm writing about it, chances are at least one more person will choose pizza for dinner. It's just that good! Our family...

325 Million Examples Of Crazy

Last week, the richest contract ever in professional sports history was announced, as the Miami Marlins inked a 13-year extension with Giancarlo Stanton for a total of $325 million dollars. That's an average of $25 million per year for the next 13 years. I personally...

Our Health Insurance Will Be Changing Again Next Year

The past few years have seen a different assortment of health care options for our family: 2012 - We were covered under a PPO 2013 - We converted to a High Deductible Plan with a Health Savings Account Option. 2014 - We had an HMO Now that 2015 open enrollment is...

An Open Letter To JC Penney

Dear JC Penney Leadership, I am writing this on the day following your most recent earnings announcement.  By the current look at your stock price (down 8% today, and roughly 30% since September 30th), clearly Wall Street investors are not impressed with your current...

Forcing Your Good Ideas On Others Despite Good Intentions

I got a little annoyed about a somewhat uncomfortable situation that came about at work. Here in America, Tuesday was Veteran's Day.  I have family members and friends who have served in the military, and I respect the courage of every person who has ever put forward...

Wrapping Up The Never Ending Paint Project

Earlier this year, we started talking about what we would need to do to get our youngest, then two years old, out of a crib and into a big girl bed.  The plan was to use the furniture in the nursery, as the crib was able to convert to a full size bed. The problem was...

What Detroit Must Do Now With This Historic Opportunity

On Friday, a judge confirmed the plan for Detroit to execute it's bankruptcy plan.  For the last year and a half, Detroit has been planning on how to finalize the details, and now that the plan is confirmed, they can begin working through the final details, and should...

The 10 Types of Yelp Reviewers, Which One Are You?

I have recently gotten into Yelp.  I enjoy reading reviews, both of places I haven't been, so that I can see if I'm heading into somewhere considered worthwhile, as well as to places I like, so that I can see if my assessment of the business matches the opinions of...

Business Owners Use Technology to Grow

As in almost every aspect of daily living, technology has become an integral part of retail for both the consumer and the business owner. Technology comes with a lot of advantages on both sides as well. Consumers can find precisely the products for which they are...

When Technology Backs You Into A Corner

We have a whole house DVR, where wecan record or play up to six shows at one time.  It is all centered upon one device, a media gateway, which then communicates with media players positioned at each TV. Problem 1: Single Point Of Failure When we upgraded our service,...

Farewell, Newspaper Subscription!

I've had a subscription to the Sunday paper for a number of years, and I finally admitted that I had held on for too long, and cancelled the subscription the other day. I have had a subscription at various points, but it's been about nine years consecutive but it's...

Starting An Emergency Fund Gives You The Most Bang For Your Buck

I was reading a well written post from Money Ning about emergency funds.  He was recommending an emergency fund over using the money to pay down debt.  I totally agreed with him, but as I read the article, I thought of it in a different perspective, and that my...

Planning For Retirement

You can start planning for retirement at any age and take advantage of long-term investment options. Your investment-planning strategy can help you protect your assets and live comfortably during retirement. It begins by evaluating your current financial situation and...

Was Buying Our Halloween Candy At Costco A Good Deal?

We realized last year that we need quite a bit of Halloween candy.  Fall camping at many campgrounds in Michigan means that they set things up for Halloween, with campers decorating their RVs and campsites.  There are Halloween based activities for the kids, and of...

Impressions of Obamacare

I recently had the opportunity to work through signing up for Obamacare, though it was not for me.  A family member recently took on a new position, and since their employer does not offer health insurance, she needed to sign up for insurance using Obamacare.  She...

Do Everything By The Book And Still Get Screwed By Health Insurance

Every time we think that we have health insurance figured out, we are proven that we are and will always be wrong. You can do it all.  Every step.  Check it off.  Verify it.  Dot every i and cross every t. Doesn't matter. The insurance companies will still manage to...

Patience Can Save You Money

It's important to be patient when making financial decisions.  This applies to decisions both big and small. I was reminded of this with a small purchase, but being patient still saved me $19. We have a couple of streaming media devices, both a Roku and a Chromecast....

Wealth Grows Like A Tree

I live in a neighborhood with a lot of old trees.  We have trees on our property that are at least thirty feet tall, and there are others throughout the neighborhood that are even taller than that. These trees have been here for a while, well before the neighborhood...

Do Lower Prices Equate To Lower Motivation?

In the last few months, my exercise routine has fallen off.  I have  yet to go more than a week without going to the gym (except during camping trips), but my normal four day per week routine fell to as little as one time and is now averaging around three times per...

Domestic Violence, Spanking, And Oh Yeah, The NFL

For years, the NFL has done nothing but grow, in terms of audience, revenue, popularity, cultural placement.  The Super Bowl is annually the most watched event of the year.  Even the off-season has become wildly popular, with free agency and the draft getting more...

6 Things Your Debt Is Costing You

I am not a fan of debt.  Most financial bloggers will agree with me. Have you ever thought of the things that your debt can be costing you?  Here are six things that I came up with in just two minutes time!  - This is the obvious one.  When you have debt, you have to...

I’m Officially (Pop Culture) Old

With the exception of a few brief breaks, I've subscribed to Entertainment Weekly since I went to college in 1992.  I actually started reading it when my dad first subscribed even before that, which I'm pretty sure he started his subscription not too long after the...

CVS Replaces Cigarette Revenue Loss with Ice Cream Sandwich Revenues

This past weekend, my wife and I did something that we've talked about doing for years: taking what ended up being a 26 mile bike ride.  We have a good trail system around, and the end of one of the trails takes you all the way up to a nearby city.  We've taken the...

Are Cheeseburgers Worth As Much As Babies?

I have been reading a lot about the protests going on, apparently throughout the United States, where fast food workers want to make a minimum of $15 per hour.  Last week here in Detroit, a bunch of workers protested, and 25-30 got arrested after they took to the...

Now That Was A Great Camping Trip

We go camping a few times each summer, and take two week long trips per summer.  This has been the third season of our camping adventures since we purchased our travel trailer. One of our trips each summer has been to Ludington State Park on Lake Michigan on the west...

The Basics Of Your Health Insurance You Must Know

Health insurance is one of the most complicated things that many of us have to deal with.  What's covered?  What isn't covered?  What's in network? Out of network?  How much are my deductibles?  Do I have to call someone to get this or get something to see that...

Have You Heard Of Discount Brokers?

With the advent and growth of the Internet over the course of the past two decades, discount brokers have become ever more common. Discount brokers have opened the door to investing in stock to a wider swath of people than ever before. Indeed, with the broad...

How Checking Our Grocery Bill Saved Us $14

My wife usually takes care of the grocery shopping.  On days when she does the shopping, I always come home and asked to see the bill. It's not because I'm checking up on her or that I'm questioning any of her choices, it's just I have a pretty good eye for spotting...

If a Tree Falls in My Yard… Will Homeowners Insurance Cover It?

We all know that homeowners insurance protects your home and its contents, but what about outside your home? Are trees, landscaping, and outdoor furniture all covered under the same umbrella as the house itself? After all, a fallen tree or a smashed fence after a bad...

Consider Epoxy Grout For Your Bathroom Remodel

Every once in a while I look around our bathroom and dream wistfully of a 'down to the studs' remodel.  Then, I realize that there's no functional need to re-do it, and the costs are prohibitive.  But, regardless, I still think of new fixtures, a luxurious shower,...

This Big Winner Sees Beyond The Jackpot

I was reading through some Yahoo headlines, when one in the sports section caught my eye, basically talking about how a poker player who won a $15 million jackpot had the opposite reaction that pretty much anybody would expect. Most people, upon knowing that they are...

How You Should Allocate Mileage Reimbursement

If you do any driving for your job and use your personal vehicle to do so, chances are that you are familiar with mileage reimbursement.  Basically, a company should pay you for the use of your personal automobile while doing company business.  My understanding is...

Thankfully, Yesterday Was Just Another Day For Us

We woke up yesterday and it was just another day for us.  For many around the Detroit area, that was unfortunately not the case. It never really made national news as it would have had it taken place in a bigger city along the East or West coast, but on Monday...

Spending Money Around The House

We had a couple of bigger bills hit last month for some stuff around the house.  In both cases, we had the money saved and both were (sort of) planned. Bye Bye To Another Tree There seems to be something knocking off elm trees around our neighborhood.  We live in a...

Today’s Job Market Is The New Norm

Every morning I read through the Seeking Alpha headlines and click through to various posts that catch my eye.  Last week, I was browsing and saw "Steady And Disappointing - July Jobs" and decided to give it a read. As I was reading through the article, I got a sense...

Red Lobster Appears Doomed For Failure

Ever since I was old enough to actually enjoy eating fish, Red Lobster has been a pretty solid option for getting some seafood.  We don't go very often because we have a local place that we enjoy much better, but we've been a number of times over the years. Recently,...

I Stayed Calm And Got My Trailer Out Of The Dirt

Camping is fun but there's always some element of surprise.  On our most recent trip, the surprise came when we were setting up, and I suddenly found an important part of the trailer buried in the dirt. The tongue jack is an important part of any trailer. It is...

Evaluating Historical Financial Asset Class Returns (Part 2 of 2)

I'm off on a little camping trip, so I'm proud to allow Larry Russell, a fellow blogger, to contribute.  Part 1 was published last week. Post-World War II economic expansion from 1947 through 1968 using inflationary dollars Inflation was quelled by a post-war...

Mid-Year Review of 2014 Financial and Personal Goals

I listed a couple of posts which addressed financial and personal goals at the beginning of the year.  Since we're just past the mid-point of the year, I thought it would be a good idea to get a check of where things stand. Financial Goals and Progress Adjust to 'new'...

Why I Pushed My Wife To Spend More Money

My wife has started to really enjoy drinking wine.  I'm more of a liquor guy (neither of us likes beer), but she's started to really get to know different things about different types of wines, and whereas it was usually 'white' or 'red', she knows and is continuing...

Winners And Losers: Seven Years of Woot Purchases

Woot has always been a pretty nifty site to me.  They were the first and most popular site to offer one deal over one day.  They would put something up, and it would be available for 24 hours, or until it sold out, whichever came first. They really got famous when...

Hazardous Waste Is No Longer Cluttering The House

I've been working slowly to reduce clutter around our house after looking around and seeing that it's been creeping slowly from closets, corners, basement, garage, and just about anywhere else it's allowed. Just about every week I've been breaking down cardboard from...

Why I Hired A Financial Planner

Note: This is a post by contributor Jim Kelly.  This is timely information because I'm just exploring the possibility of dipping my toes in the water as far as working with a financial planner.  Jim and I share many of the same underlying circumstances in life, so I...

Random Assortment: It’s The Middle Of Summer

It's only a couple of weeks into the official definition of summer, but in terms of the traditional Memorial Day to Labor Day observance of summer, we're near the tipping point.  We've already hit the longest day of the year, and the 'average' temperatures (at least...

The Importance Of Standing Out At Work

In most companies, as a general rule, there are more than one person doing the same job. Often, you'll have entire groups of people dedicated to the same job title, whether it be Engineer, Project Manager, Nurse, Assembly Line Worker, Accountant, Lawyer, or whatever....

Stop Letting Hot Cars And Pit Bulls Kill Our Kids

I've been finding myself taking mini-breaks from personal finance related posts lately, but being that it's summer, we're all entitled to breaks in some sort. Even so, the topic of today's post isn't money related, but it's not lighthearted, and I'm sure some will...

Why The Breakfast Club Is One Of The Best Movies Ever

I love The Breakfast Club.  I was recently going through my Netflix screens and adding movies in various categories based on suggestions or popularity.  The Breakfast Club came up as an option, and I didn't just add it, I sat down and watched it right then and there....

Understanding Your Insurance Is Your Responsibility

Insurance is complicated.  I doubt many people in this world would claim otherwise.  But, regardless of how complex it is to understand or figure out, the fact is that you are responsible to understand it. After all, let's envision the following conversation between a...

It’s Time To Revamp My Financial Tracking Spreadsheet

I have been using the same spreadsheet to track my personal finance information for over twelve years.  That is a long time, and after all that time, it's evident that I need to spend some time revamping it, as it has gotten too complicated, unwieldy, and difficult to...

That Screen Door Was Open, I Just Know It Was!

The hustle and bustle of getting ready for a kid's birthday party is always fun.  That gets ratcheted up a notch when you do a combined party for both kids.  Of course the upside of that is that there are only costs and prep / clean-up time for one party instead of...

Do’s And Don’ts Of Asking For A Discount

I share a work area with one other person.  Her and I have always gotten along very well.  She's a bit older than me (mid-50's I'd say) but she has a pretty practical outlook on life and on money, so it's always fun to share stories. She reminded me that it's always...

Progress Sometimes Hides, So Go Look For It

I've been going to the gym for the better part of a year, almost nine months now.  Now that I found the trick that works for me in terms of keeping up with it (hint: going in the morning when I have no other activity that I can do instead), it's probably the longest...

Thumbs Up Or Thumbs Down: I’ll Be The Judge

I figured I'd start off a new week and a new month by compiling a few experiences with various companies, departments, or industries that have given me a favorable or unfavorable experience.  I'd love to hear any stand out experiences, positive or negative, in the...

Why I Joined My Homeowners Association Board

We've lived in our neighborhood for seven years now.  The neighborhood itself is now 20 years old, with our house being one of the later ones to be done, coming in at fifteen.  As such it's making the transition from a new neighborhood to an established one. The...

Change Your Perspective And It May Change Your Results

Perspective is everything.  That's a quote I've heard over and over, but it took weeds and two young kids to realize how true it is. I speak, of course, of dandelions.  It is prime time dandelion season right now here in Michigan.  Usually that all happens a few weeks...

When It’s Necessary To Drop Everything

Spring, the month of May in particular, is always a hectic month for us, and this past weekend was no different.  We have a long list of projects that we want to get done, and had pegged this past weekend to look at one or both of: Moving the kids sandbox and moving...

Maybe You’re Not Really Being Snubbed

Everybody hates being snubbed, right?  So much so that some people will write articles about CNN when it happens to them. I read this article last week, and it stuck with me, because I had some uneasiness about what the author, Jessica Brondo, was claiming as...

Be Optimistic Yet Realistic When Setting Big Goals

I saw a Facebook post last week posted on the page for my gym that really hit home.  It said: "You didn't gain 20 pounds in a week.  Don't expect to lose 20 pounds in a week." How true is that? Look At Our Goals The fact is that we often set goals for ourselves that...

Ugh, Clutter Is Invading Our Home

I hate clutter.  I also know that clutter is always around the corner.  Forget about it for one second and it invades your home.  Once it creeps in, the cycle of clutter doom starts. Unfortunately, it's my opinion that we let clutter in the door somehow.  The good...

Painting Bedrooms: 20 Things I’ve Learned So Far

We are shuffling things around upstairs, moving kids around and such, which involves the painting of three of our four bedrooms.  I'm done with one room and just started a second, and I wanted to share some things I've learned so far: When you tell people that you are...

Should I Give Greek Yogurt Another Chance?

This may sound strange, but I actually recall the first time I heard of 'Greek yogurt'.  I don't remember the exact date, but I was talking to some co-workers and was excited about the fact that our grocery store had a 'store brand' yogurt that was about 30-40% less...

Money Can’t Take Away Ignorance

The NBA has been pretty much the top story in the news over the last few days, but unfortunately it is not because of the current playoffs. It's because of Donald Sterling, owner of the Los Angeles clippers, who over the weekend had audio released where he asked his...

7 Ideas to Start a Fashion Business and Have Success with It

If you would like to start a fashion business, most probably you’re not doing it only to prove a point, but you have a sense of style and you are good with people. Starting your own business is an important step in everybody’s life (especially if it means giving up...

Your Peace Of Mind Comes At A Price

Recently, my wife celebrated one year of being in business with her Etsy design shop.  Her success has been nothing short of amazing.  When she first started talking about the idea, she waited because she wasn't sure she had the time, could come up with anything that...

Starting Your Business The Right Way

You may have dreamed for years about getting out of the rat race for good. And now, your dream may be much closer to becoming reality. You may have drafted an ingenious business plan or formulated some initial connections to get your idea out to the masses, and you...

Six Ways To Properly Implement Big Change In Your Life

Many time changes are necessary in our financial life.  Often times, big changes are necessary.  If you realize you're in over your head with debt, or way behind on your retirement savings, or anything like that, change is likely in order. Change is fine and can lead...

Staying Motivated Without Reason

This week starts a pretty big test of wills for me.  I wrote a few weeks back about what I was giving up for Lent.  For those unfamiliar with the concept, many Christians 'give up' something that they enjoy for the period of Lent, which extends for about 6-7 weeks...

Be Jealous But Do Not Stay Jealous

My best friend is a guy that I've known for close to 35 years now.  We met when we were just 5 years old, and here we are about to both hit 40 this year. He's a great guy and probably the closest thing I will ever have to a brother.  We've shared a lot of happiness...

Why You Need To Tackle A Difficult Task Today

Difficult tasks.  We all hate them. We dread them.  We look at them and think of any way to get around them. Why? Because they're difficult, of course! But that has to stop, and if you've been putting off a difficult task for any length of time, then putting it off...

Switching Gyms

I've been doing pretty well with my exercise.  It's been about six months since I joined a gym.  I pretty much stick to cardio and I don't do anything that intense.  I'm not in it to get ripped or run a marathon.  I just want to stay in shape, keep my weight at a...

9 Things Your Yard Needs For A Great Spring

Spring is here!  Not only are you ready to enjoy the nice weather, but your yard is ready and waiting.  With a few steps, you can get your yard looking great for the spring season, with the added benefit that a great spring will set the stage for your yard to deliver...

I Have High Cholesterol. Or Do I?

For many years, I've had cholesterol readings around or above 200, which is the number that most will say is the threshold that crosses you into the 'danger zone'. It's something that bothers me, but it's not my top priority. I've had two reports run in the last six...

Allocationg Our 2013 Tax Refund

We got our tax refund information a couple of weeks back.  I spent some time coming up with some proposed allocations, and my wife was more than happy with what I came up with, so I thought I'd give a brief rundown on the categories which we're allocating this year....

Very Early Planning For Disney World Trip

My wife and I went to Disney World in 2008.  We planned that trip specifically so the two of us could go by ourselves, as we knew that we wanted to start trying to start a family shortly thereafter, and if that worked out, our future trips would be much different. We...

Mobile Friendly Sites Are Often Anything But

Web sites tend to get redesigned regularly.  Just like a store that needs updating every now and then, the electronic face of any store, news site, or otherwise needs to be kept up to date. The latest trend has been to redesign sites around the fact that more mobile...

Some Of Our Stuff Is Due For A Check-Up

We're supposed to go to the doctor at least once a year for a check-up and to the dentist twice a year to get those teeth checked out.  These visits will help catch problems early and make sure that our bodies are running as they should be. The same concept holds true...

Avoiding the Hassles of Out of State Job Searches

If relocation is in your career future, this can add more challenges to your job search process. Unfortunately, many employers have no interest in working with long-distance candidates. There are far too many “ifs” and risks when working with potential employees who...

Review of Great Wolf Lodge Waterpark – Traverse City

Two weeks ago we surprised our kids with a two night stay at the Great Wolf Lodge in Traverse City, Michigan.  This was our first stay at an indoor waterpark, and it was a very good experience. Background We knew that we wanted to get away for a couple of days...

How We Are Integrating New Or Updated Technology

The past couple of months have seen some big changes in the technology in our house.  I'm not sure how it all happened but there have been some new devices and some changes.  I wish I could say that I was on the cutting edge with all of it, but it's been more of a...

Nurturing Competitive Discipline

Men seldom claim to be emotional, yet they make no bones about making similar claims about being competitive. The truth is, it's hard to have one without the other. Take the 2006 Soccer World Cup Final between France and Italy. It was the final game in a French shirt...

Urgent Care or Emergency Room: 6 Ways To Decide Which Is Best?

A two year old girl coming to say goodnight to her daddy runs into the bedroom, loses her footing as two year old children often do, and lands face first on the corner of the wood frame bed. What do you do?  What do you do?  (Yes, I wrote that thinking of Keanu Reaves...

New Years And Lent Go Hand In Hand This Year

Every year I give up something for Lent.  The season of Lent leads up to Easter in the Christian church, and many people 'give up something' as a recognition of Jesus giving something (His life) for us. What I give up usually ties back to one (or more) of the...

Where Are Your Old Employers Today?

I've had a few different jobs at various companies over the years.  Today, I thought it would be fun to take a look back at some of the companies I've worked for, and look as to what happened with them after I stopped working there.  Are they still in business?  Does...

Solving Common Small Business Problems with POS Systems

Small businesses usually face several problems in the very first years of conception. In fact, the U.S. Small Business website states that almost 60 percent of all small businesses fail in the first year of business due to simple but universal problems that involve...

Why I Will Never Willingly Set Foot On A Cruise Ship

Some people love cruises.  Crystal, one of my favorite bloggers, has gone on a couple in the past year and has written glowing reviews. Some people love them.  I will never be one of those people. No, I have never been on a cruise, and I can assure you that I have no...

5 Reasons You Should Not Lease A Car

Leasing cars has gone through some ups and downs in terms of popularity over the past several decades.  There was a time when it seemed that everybody leased a car as the rates were unbelievable.  Then, leasing lost popularity as it came out that the reason for the...

Consider Keeping Your Job While Receiving Annuity Payments

Annuities are regarded highly as a financial product or a method of settlement of hefty amounts. The human psyche is pretty stubborn when it comes to cash management. Even the most stable minded person would find it hard to manage a sudden inflow of cash, especially...

Uh-Oh. How The Cold And Snowy Winter May Cost Us

It's been a pretty crazy winter here in Michigan.  We're in the top three in terms of seasonal snowfall record.  Between January 14th and February 17th, we had one day where it went above freezing.  By exactly one degree.  We had the snowiest January on record, and...

Overpaid And Useless: A Profession That Needs To Go Away

Weather forecasters get a pretty bad rap for their accuracy. However, this post isn't about ripping on weather forecasters.  In fact, quite the opposite.  I bring them up so that I can compare them to another group of individuals whose profession  should really be...

5 Ways to Save Money on POS Equipment Purchase

POS equipment is expensive, sometimes very expensive. Good in-premises point of sale systems can cost over $10,000. If you’re new to the retail business and trying to make ends meet while getting your first outlet started, that’s a scary amount of money. It’s all very...

To Be Thankful

This past weekend, a local story in a city about 40 minutes away struck a nerve.  A woman left a bar on foot, somehow not having her coat or gloves or anything else to be outside, and ended up freezing to death.  It's been a bitter cold winter. The assumption, reading...

Review Of Our New Bosch Dishwasher

It's been a little over a month since we had our new Bosch dishwasher installed, so I thought I'd give a review of how it has gone and what we think so far.  We had it replaced after the old one sprung a second leak.  For the record, we purchased the model...

Detroit Area Weather Has Officially Entered Bear Market Territory

I love tracking things.  Weather is one of the things that I've started to track.  I found a site where I could track historical data with information about every day starting in March 2005.  This has given a lot of information that I find interesting. By no means...

Free Shipping Downgrades Make Amazon Prime Less Enticing

Is it just me or has Amazon free shipping gotten significantly worse over the past year?  If it indeed has, you have to suspect that this could very well be on purpose.  They are really making a push to get as many people signed up for Prime, so is it a conspiracy...

Things I Love At The Museum

Last year, we decided to purchase a membership to the Henry Ford, which is one of the more prominent museums in the area.  It has a lot of history, from the auto industry but also in many other things that go beyond.  We probably would have joined sooner, but the...

Getting A Grasp On Life Insurance

My employer changed as of the 1st of the year.  I work in the same job doing the same thing, but we were converted from contract to full time employees.  As such, we were brought onto the benefits program of my new employer, and while the types of offerings were the...

The Impact Of The Incandescent Bulb Change

The Impact Of The Incandescent Bulb Change

I knew it was coming but sort of forgot regarding the change in incandescent bulbs that took place on January 1, 2014.  What change?  Well, they can no longer make the traditional bulb in 40 or 60 watt sizes.  It seems that this was the third and final year where they...

A Rare Impulse Buy: I Ordered A Roku!

A Rare Impulse Buy: I Ordered A Roku!

I recently wrote about how we're looking into whether we can potentially cut cable TV this year.  In addition to doing research on what we can access and how we can access it in the event we 'cut the cord', one of the things I want to understand is the technology....

Make Changes In January To Bring Your Financial House Back In Order

Make Changes In January To Bring Your Financial House Back In Order

Even though all of the Christmas presents have been unwrapped and put away, for many people, the financial implications of spending around the holidays spill over into January. And as we all know the effects can spill over way past January, where holiday spending can...

Could We Cut Cable TV This Year?

Could We Cut Cable TV This Year?

I've seen a few blog posts and news stories written about people who cut their cable TV, and while it seems intriguing, it's honestly not something I've really thought about.  But, I've started giving it more and more thought, and I decided that 2014 will be the year...

Best of Money Beagle For 2013

It's hard to believe I've been doing this for nearly five years now.  I wonder how many of my readers from the beginning are still with me.  Besides my parents, of course, who I know have read every word! I decided to take a quick look at what were the most popular...

How To Use A Snowblower

It's been a pretty busy winter, weather wise, here in Michigan.  And I know we're not alone.  Our average seasonal snowfall total at the major airport  is roughly 43 inches of snowfall, and we're already over 75 percent of the way toward that mark, with many weeks of...

A Simple Bank Account Is Out Of Reach For Most Egyptians

A Simple Bank Account Is Out Of Reach For Most Egyptians

Expats from the United States, Europe or elsewhere should find little difficulty in opening a personal bank account in Egypt. It's a matter of producing the required official documentation – passport, work visa and residence certificate. A letter from the bank back...

My Personal Resolutions For 2014

My Personal Resolutions For 2014

I normally don't do much in the way of New Year's Resolutions in the true sense of the term.  I believe that doing things better or improving yourself should be an ongoing process, not something that you set to do just once per year.  I also think that most...

The 501c3: What You Need To Know About The Nonprofit

If you wish to start an organization that will be both operated and organized exclusively for a scientific, religious, educational, charitable or public safety purpose, then you may qualify for the 501c3 designation. But how do you go about starting your own...

Our 2014 Financial Goals

Our 2014 Financial Goals

Last week I wrote about our household's financial performance.  Having beat our goal of a 17% net worth gain by a few percentage points, I set our sights on what our goals are for 2014.  I love this time of year as others post their goals, not just to see the goals...

2013 Financial Year In Review

2013 Financial Year In Review

When I first started tracking my budget and net worth, I did monthly updates around the 7th of each month.  This still holds, and what it means is that December 7th is the 'last' net worth update for the year.  In order to do year to year comparisons, I've always kept...

Taking the Risk Out of Trading

Many people believe that being financial independent and in control means that you have to play it safe and not take any risks. However, this can mean that your money will remain safe without ever accruing much wealth. With banks accounts offering little or no real...

How Do You Find The Best Life Insurance?

Readers, I need some help.  I am looking for your experiences with life insurance. Long story short, my employer of the past seven years has offered enough life insurance that I have been able to provide enough coverage for both myself and my wife in the event that...

Why Apple Needs A Next Big Thing Sometime Soon

Why Apple Needs A Next Big Thing Sometime Soon

Apple (AAPL) is by far the premier technology company in the marketplace today.  They have a great line of products, fiercely loyal customers, and a stock valuation that is one of the highest in the market.  At nearly half a trillion dollars, it's huge, though there...

Best Places to Find Cheap Personalized Gifts

When it comes to giving gifts, we often hear that it’s not the amount of money spent but the thought that counts. This sentiment is what makes millions of people search for personalized gifts each year for birthdays and holidays. However, where is the best place to...

Trans Fats: When Zero Plus Zero Equals Heart Disease

Eliminating trans fats from food seemed to be the 'big thing' at the end of the 2000's and the first part of the 2010's.  And, if you look at most labels, you'd think that we were fairly successful at this. Except you would be wrong.  Read on. What Are Trans Fats?...

After Fourteen Years, It’s Time For Glasses

In 1999, I got LASIK surgery and said goodbye to glasses for what turned out to fourteen years.  What a good run it's been. I originally needed glasses because I had one eye that couldn't see far away.  It continued to get worse and because one eye had perfect vision,...

Five Ways to Get a Discount on your Next Auto Purchase

Whether you're buying new or used, shopping for a car can be a nerve-wracking process. It's in the seller's best interest to get the maximum price for the vehicle. Buying a new car from an auto dealership means that you'll be contending with a seasoned sales...

Car Repair Bills Suck, Especially Three Of Them!

Car Repair Bills Suck, Especially Three Of Them!

I drive a 2006 Pontiac G6.  It only has about 60,000 miles on it, as I have a very short commute to and from work (about five miles total).  I do some other driving on it, of course, but it's a low mileage car. The downside is that although the mileage seems low, the...

I Would Be The Poorest Plumber Ever

I Would Be The Poorest Plumber Ever

My knowledge and expertise when it comes to plumbing projects is pretty limited.  I got pretty lucky in the past with unclogging a stubborn bathroom sink drain.  I also once did some successful troubleshooting on how to clear a piece of food out of the garbage...

Can You Get An Adjustment From Amazon If The Price Goes Down?

Can You Get An Adjustment From Amazon If The Price Goes Down?

We had an interesting situation pop up last week that I thought I would share in relations to Amazon's price change policy.  In 2008, Amazon stopped issuing adjustments if the price of an item went down after you had purchased it.  From Consumerist: Only orders placed...

Holiday Gift Giving Is About Creativity, Not Made For TV Moments

Today I am proud to present a guest post by Brock, who writes at Clever Dude, one of my favorite personal finance blogs. Brock has done a great job of writing about clever ways to save, spend, and budget, all while keeping a personal spin on his topics.  I hope you...

Make Targeted Advertising Work

As a consumer, I'm exposed to varying sources of advertising on a constant basis.  Whether it's advertising on the internet, commercials on TV, or jingles on the radio, there's a pretty steady stream of information intended to drive me towards a particular service or...

We Ordered A New Dishwasher Two Years After It Sprung A Leak

We Ordered A New Dishwasher Two Years After It Sprung A Leak

I wrote a post in January 2012 titled "We Need A New Dishwasher." I just ordered it yesterday! In the referenced post, I noted that I had discovered a small leak under the dishwasher, thanks to a water sensor that I had placed there.  When I first discovered the leak,...

Why I Will Not Miss Blockbuster Video

Why I Will Not Miss Blockbuster Video

If there was ever as stunning a fall for a retail giant as Blockbuster, I can't recall.  At one time there was a store on every corner, it seemed like. My first remembrance of a video store was not a Blockbuster.  My dad was always on the cutting edge of technology,...

3 Famous People I’d Like To Meet And What I’d Ask Them

3 Famous People I’d Like To Meet And What I’d Ask Them

When it comes to celebrities, there are quite a few people I enjoy for various reasons, but if you were to ask me about celebrities I'd like to meet, the list would be quite small. It comes down to admiration. I recently wrote about how we should make sure that our...

What’s New This Week? (Plus A Roundup)

What’s New This Week? (Plus A Roundup)

A few updates and random thoughts, followed by some great posts I hope you check out: A few weeks ago I wrote about how our IT department is being insourced.  We have received a few more details.  Our official offer letters should be arriving any day now.  They were...

Get The Best Software For An Online Store

The following is a guest post. Often when you set up a store online, you have different expenses than a local brick-and-mortar store might have. You have no building that you must pay rent or taxes on, no electric bills, and often you don’t have employees you must pay...

Tips For Responsible Gambling

Given the huge number of people who enjoy playing slots and table games like poker and blackjack at online casinos, it is important that people know how to do so in a responsible way. These tips should ensure you have fun at the casino without losing your shirt. Work...

It’s Been Two Years Since Our Refinance

It’s Been Two Years Since Our Refinance

Two years ago we completed the re-finance of our house.  I thought I would go through some of the numbers and things that have happened. Original Loan: 30 year mortgage, 5.875%, closed July 2007 New Loan: 15 year mortgage, 3.375%, closed November 2011 Increase in...

Use Your Network To Get The Best Deals

Use Your Network To Get The Best Deals

The other day, I was running our periodic file backup on our home computers.  What I do is back up all personal files (pictures, documents, etc.) from each PC onto an external USB hard drive.  I then back up each of the drives onto a consolidated drive.  I need to get...

Why Cell Phone Insurance Is A Must Have In Our House

Why Cell Phone Insurance Is A Must Have In Our House

There's a lot of back and forth on whether purchasing insurance for electronic items is a worthwhile deal.  We have several things with insurance in our house, specifically our flat screen TVs, an exercise bike, and a dehumidifier.  All of these were purchased after...

Our Smart Meter Is Not Yet Very Smart

Our Smart Meter Is Not Yet Very Smart

A couple of years ago, DTE Energy, who provides our electricity and is the main carrier for the metro Detroit reason, began replacing regular electric meters with new smart meters.  Our community was one of those that was to receive the new meters. The first...

Two Seconds And Why High Frequency Trading Always Wins

Two Seconds And Why High Frequency Trading Always Wins

Two seconds.  It probably took the average reader two seconds to read this.  Not much can happen in two seconds, right? Wrong. It turns out that two seconds can make all the difference in the world in the financial markets.  Enough to make (or lose) a fortune, as it...

Waived Cell Phone Activation Fees Are Harder To Come By

Waived Cell Phone Activation Fees Are Harder To Come By

We have a family cell phone plan which covers my wife, my sister-in-law, and my mother-in-law.  My father-in-law and I both have cell phones provided by work, so it's just the three lines. Recently, all three decided that it was time to upgrade phones.  They were all...

What A Difference One Year Makes: Our Camping Year In Review

What A Difference One Year Makes: Our Camping Year In Review

Last year I wrote a few posts about our camping 'misadventures'.  There were three in total (parts one, two and three), and there were certainly a lot of different things that happened.  I figured that the first year would be rough as it was my first time ever owning...

I’ll Be Changing Companies But Not Jobs

Sometime in the next couple of months I'll be working for a different company.  Yet, I'll still be coming to the same place, going to the same desk, and performing the same job.  So, what gives? Our work is being 'insourced'. I work for a health care provider. ...

At What Point Does Declining Value Become A Concern?

At What Point Does Declining Value Become A Concern?

I've had a few recent situations where I was presented with declining value in varying circumstances.  In each of the circumstances, which I've briefly outlined below, I pointed out the declining value through social media circles, and I was surprised to see the...

6 Ways To Save On Halloween This Year

6 Ways To Save On Halloween This Year

I can't believe how much things have changed for Halloween since I was a kid.  When I was a kid, 90% of the decorating for Halloween consisted of buying a pumpkin and carving it a few days before Halloween.  There was one or two houses in the neighborhood that did...

How One Twig Almost Costs Us Thousands Of Dollars

How One Twig Almost Costs Us Thousands Of Dollars

We went for our (as of now) final camping trip of the season a week ago Friday.  It's a typical fall in Michigan, where the weather was hot and steamy when we left on Friday, but cold by the time we returned on Sunday. As we were running around to get everything...

What You Need to Secure Your Golden Years

How is your retirement looking? Could you add more to the pot? I’m a firm believer that you can never have too much stashed. For this reason, I also feel it’s important to plan for multiple income sources in retirement. Of course, everyone has their own ideas of what...

My First Two Weeks At The Gym

Several weeks ago, I wrote about how I was considering a gym membership.  Well, I decided to take the plunge and have been going for two weeks now.  The first week was on a trial membership, and last week was my first full week on the paid membership that I purchased....

Our Broken Promise Is Now Broken

Our Broken Promise Is Now Broken

It was seven months ago that I posted about how I broke a promise regarding a new TV, specifically that I decided to replace our 15 year old 32" tube TV with a new flat screen TV, even though I'd said a while back that I'd keep the tube TV until it died (my guess,...

A Tribute To Grandparents

A Tribute To Grandparents

Last week, my wife's grandmother passed away peacefully.  She was 90 years old and had been in poor health leading up, so her passing was not a surprise.  She will be greatly missed by many.  She was married to her husband for many years (he passed in 2004), and...

How Hard Should I Press To Get Last Month’s Discount?

How Hard Should I Press To Get Last Month’s Discount?

Last month, I wrote about how I am considering a gym membership.  I'm happy to report that I have made progress. I did some checking around, and pretty much narrowed it down to one gym that I want to attend.  I looked at all the gyms in a five mile radius, and...

7 Times To Look At The Calendar To Get The Best Deal

7 Times To Look At The Calendar To Get The Best Deal

I'm sure you know that there are many items that you can get cheaper if you wait to buy until the right time.  What  you may not know is how to time those items.  Here are a few tips on when to buy, tips that range from a particular day of the week to an exact month...

A Solid Auto Industry Bodes Well For The Economy

A Solid Auto Industry Bodes Well For The Economy

It's amazing what a difference five years can make.  Five years ago, the domestic auto industry was a mess.  General Motors and Chrysler were spiraling toward insolvency, resulting in the need for eventual assistance from the government.  Ford, the other member of the...

Are You Doing The Right Thing The Wrong Way?

Are You Doing The Right Thing The Wrong Way?

For years, I've undertaken a strategy to make sure that I was getting enough water. For years, I was doing it the wrong way. At work, I have a cup that I keep at my desk that gets filled from a container that I keep in the fridge.  I like cold water, so I pour water...

The Costco Rule of $10 And Other Bulk Buying Tips

The Costco Rule of $10 And Other Bulk Buying Tips

If you're given $100 to go grocery shopping, you can normally get quite a large number of items.  Of course it all depends on what you need for your shopping list, as a bag of chicken or other high priced item can take away part of your budget, but usually those are...

Great Read Friday: I Jinxed Myself – September 6, 2013

Great Read Friday: I Jinxed Myself – September 6, 2013

I had a feeling when I posted last month that our net worth had made positive gains for fourteen months that I was probably jinxing myself.  Sure enough, the streak came to an end as our net worth fell for the first time since June 2012.  Largely driven by the stock...

I’m Ready To Be Out Of Diapers

I’m Ready To Be Out Of Diapers

OK, so I'm not actually in diapers.  I did just cross over to my 39th birthday, but I'm not the one in diapers.  However, both of our kids are still in some form of diapers, and I'm so ready to be done. There is light at the end of the tunnel, and I'm hopeful we're...

Options For Dealing With A Hornets Nest

Options For Dealing With A Hornets Nest

Last month I was unpleasantly surprised when my wife pointed out a large nest in one of our trees in the backyard.  We have about 20 trees or so back there, so I hadn't really noticed it, but she assumed I had. When I took a look, I confirmed that it was a hornet's...

How’s That For A Happy Birthday!

How’s That For A Happy Birthday!

Ten years ago today was my 29th birthday (so today I turn 39!  Yikes!). I'd decided beforehand that it was not going to be a good birthday. My birthday was on a Saturday that year.  My friends decided to take me out on Friday night to celebrate, so technically we...

Your Kids Hero Should Be You

Your Kids Hero Should Be You

I didn't watch the MTV Video Music Awards on Sunday, but I read enough news to  catch the uproar surrounding Miley Cyrus and her performance as soon as I went online the next morning.  The former Hannah Montana star came out in a skimpy outfit, made some pretty lewd...

Is It Time To Switch To Roth IRA Contributions

Is It Time To Switch To Roth IRA Contributions

Currently, I contribute all of my retirement contributions via my employer's 401(k) plan.  I don't quite max it out yet, though I'm working toward that goal.  However, I'm giving serious consideration to ceasing contributions, and instead contributing to my Roth IRA...

Getting Out of Debt the Right Way

The following is a featured post: If you’re in debt, you’ll probably be all too aware of the stress that goes with it. And, unfortunately, the bigger the debt the greater your stress is likely to be. It’s no wonder then, that so many people who feel as though they are...

Great Read Friday: Airlines Sucks Edition – August 23, 2013

Great Read Friday: Airlines Sucks Edition – August 23, 2013

We do our fair share of traveling, but for the last few years, our traveling has been exclusively on four wheels. Or, more recently, eight wheels, as we've been towing our camper to various campgrounds around the state for the last two seasons. Cost is a big reason...

Why I Am Considering A Gym Membership

Why I Am Considering A Gym Membership

I recently spotted a Groupon deal for a local gym and gave it some serious consideration.  The deal would have worked out to $47 for a three-month membership.  They normally charge $44 per month so this would have worked out to be a pretty good deal. I ended up...

Identify Clever Marketing Ideas To Stand Out

Identify Clever Marketing Ideas To Stand Out

A couple of months back, we saw a Groupon for a local frozen yogurt place that had recently opened.  We looked into it and found that the prices were about the same as a couple of other places we'd recently visited and enjoyed.  They operate under the 'new' model...

Look Down, You Never Know What You Might Find

Look Down, You Never Know What You Might Find

"Pay attention!""Look where you're going!" "Watch what you're doing! All good words to live by, right?  I'm sure you've heard or used the expressions above, maybe regularly.  They're common sense.  But, I've had two recent examples of where paying attention to my...

There’s No Time For Those Who Don’t Have Time For You

There’s No Time For Those Who Don’t Have Time For You

A while back, I had the rare opportunity to hang out with two of my best friends at the same time.  Back in the day (late 1990's), I lived with one of the guys and the other was over at our apartment 3-4 times per week.  Getting together was easy and frequent.  Even...

As If I Needed Another Reason To Love Honey Maid Graham Crackers

Those who know me well know that I'm a kid at heart when it comes to food.  If there's a food that kids love, chances are, it ranks on my list of favorites too. When I get a night to myself and am responsible for my own dinner, I always reach for a box of macaroni and...

A Rule Of Thumb Estimate For Extra Mortgage Payments

A Rule Of Thumb Estimate For Extra Mortgage Payments

There are thousands of articles available which discuss the pros and cons of paying extra on your mortgage.  Some argue that it's a great idea, some argue against it, and others discuss various elements regarding the practice. One thing I haven't seen is a way to...

Have A Fallback Plan In The Event Of An Emergency

Have A Fallback Plan In The Event Of An Emergency

I'm a big believer that you should have money available in the event of an unexpected financial emergency.  Unplanned costs can take many forms.  A medical emergency can present thousands of dollars in costs in one visit to the hospital.  If your furnace or air...

How To Use Credit Cards Wisely

Credit cards often get a bad rap due to their high interest rates and some people’s tendency to rack up thousands of dollars in credit card debt. However, if you use them properly, they can actually be a very useful tool. Renting a car, booking flights and ordering...

Taking A Week Off? Here Are 10 Things To Do First

Taking A Week Off? Here Are 10 Things To Do First

Ah, vacation time.  Whether you're heading somewhere fun via plane, car, or boat, or staying home, there's nothing like taking that week off of work.  And nothing like the mad scramble beforehand. Here are ten things I have learned are must-do items that will get you...

How Much Do You Have Saved For Christmas Gift Spending?

I'm a huge advocate of setting money aside for bills or expenses that come due on an irregular basis.  Your cable bill is easy, you pay that every month, and it's generally going to be the same amount for at least 6-12 months at a time.  Your electric bill might a...

The Most Surprising Thing About Detroit’s Bankruptcy

As I think about the city of Detroit and the recent decision to file for chapter 9 bankruptcy, my thoughts return to my grandparents. I was born in 1974.  When I was young, I spent many weekends at my grandparents house.  They lived in Detroit, in the house where...

When Other People Make It Look Easy

Fairly soon, we'll be heading on our third camping trip of the season.  I'm a little bit nervous because we are going to the same campground where the big awning blowoff of 2012 took place, and I'm definitely a little skittish about returning to the scene of the...

Don’t Complain About Free Money

A few weeks ago, I was going through the mail, and I saw an envelope that caught my eye.  The return address was something along the lines of 'Diamond Settlement Claim'.  I remembered that a few years back, I joined a class action lawsuit against De Beers, where the...

Preparing For The End? Tribute To My Cat

One of my cats is 17 and today will be the end of her journey.  It's been a trying couple of weeks and seeing how quickly she's gone downhill these past few days after a recent diagnosis has shown that it's time to let her go.  She's been an amazing and wonderful pet,...

Why Higher Interest Rates Will Not Lead To Recession

It's amazing all the panic I see when reading the news pertaining to higher interest rates.  Mortgage rates have gone up about 0.5% in the last few months, and stock markets have lately been hit by fears that the Fed will not only taper off Quantitative Easing, but...

A Simple But Effective Way To Clean Pet Stains From Carpet

I've been a cat owner for 17 years, and over that time you get used to cats getting sick, and when they do, it always seems to be right in the middle of the floor.  For years, I've tried various ways to clean up the mess, but more often than not, I'd still be left...

Is Paula Deen’s Goose Cooked?

By now, I'm sure everybody has heard about the quick and rapid fall from grace that has taken place with Food Network star Paula Deen.  Answering questions about a lawsuit filed against her, she admitted to having used racial slurs, which set off a wave of backlash...

Shipping With Style

One aspect of selling through an online business that can cause a lot of stress is shipping. Striking the right balance between fees that your customers are comfortable with and ones that will actually cover your costs can be challenging. But there is more to shipping...

Why I Will Never, Ever Root For Tesla Motors

Tesla Motors gets a lot of attention in the various investment and financial publications that I read on a regular basis.  Many people think they have some great products and that their innovation could propel them to great things in the future.  They seem committed...

Does Google See Value In Bloggers?

It's hard to believe that I'm coming up on five years here at Money Beagle.  I remember when I first pitched the idea to my wife, we were sitting at the beach (it's nearby our house and at $25 for a seasonal pass, it was a great frugal value), and I pitched the idea...

The People Whom I Block On Facebook

I was recently going through my privacy settings on Facebook, and I looked through the list of people whom I've blocked over time.  It's a pretty small list, but as I looked through it, I realized a pattern.  With the exception of one, they are all people who would...

6 Ways We Saved On Our Kids Birthday Parties

Our kids are growing up quick, and in the past month they've both hit new numbers for their birthday.  Little Boy Beagle just turned 4 last month and Little Girl Beagle turned 2 on Saturday! Birthdays are always great, and this was the first year that both of them got...

Did You Ever Have A George Bailey Moment?

Even though spring is blooming, I recently had a conversation with an It's A Wonderful Life reference that I just had to share. The owner of the company who installed our new roof (more on that in another post) was a great guy and he was very easy to talk to.  As...

Assign Tasks To One Person And One Person Only

I've learned quite a bit over my 15+ years in the workforce.  One of the things that I've learned is that the more people you assign tasks to, the less chance you have of the work actually getting done.  In fact, every person you add to task list will continue to...

Coupon Policies Are Not Always Enforced

Have you ever looked at store coupons and seen rules and stipulations a mile long, and said "Forget it" to the whole thing? Not so fast! At least if you're shopping at Dick's Sporting Goods. We've had a couple instances of very good luck using coupons that, according...

6 Terrible Reasons Your Boss Might Love You

For anybody that works in a job where you have a boss, you want them to like you and be satisfied with you, right?  I know I always strive to be the best employee I can be, and while I know I'm not perfect, I have more often than not been considered an employee who...

Why The Stock Market Is Not In A Bubble

The big news in the financial sector these days is, of course, the stock market.  With year to date returns already over 15% (and counting), many out there are jumping in and proclaiming that the stock market is in a bubble and proclaiming that the bubble will burst....

Home Improvements That Don’t Break The Bank

For most homeowners, it sometimes seems that home improvements are just an endless drain on the bank account. No sooner have you fixed a leaky roof, when it’s time to spend hard-earned cash on damp proofing. Whilst there is no getting away from paying out if you’re a...

What To Do About Our Cell Phone Plan?

Last week my wife called me with bad news.  She was over at her parents house and dropped her phone on the tile floor.  The phone still worked but the screen was shattered.  The funny thing is that the phone still worked, and after my father-in-law put a piece of...

What Do I Do With The Wrong Grill Hose?

Somewhere in the mid-1980's my parents bought a grill.  They went pretty top of the line with a Weber Genesis 1000 grill.  My parents aren't heavy grill users, but I remember quite a few meals cooked out on the grill. Fast forward many years and the grill was still...

Pay Debt Away But Keep New Debt At Bay

One of the things I love most about being a personal finance blogger is reading stories about other people who have reduced or eliminated their debt. Our debt is pretty simple: A mortgage - We re-financed our original 30 year mortgage (set to pay off in 2037) with a...

7 Things I Learned During Our New Roof Project

We recently completed our new roofing project.  Before I started the process, I knew very little about roofing and what to expect.  Thanks to a great roofer that we selected, I learned a lot of things about roofing that I thought I would pass along. FYI, the roofing...

Why It’s Very Often Important To Follow A Routine

I wrote a few posts last year about various misadventures we had when it came to our new (to us) camper, and the first season of camping. I'm somewhat embarrassed to say that we already had our first misadventure, and it was a full month before our first scheduled...

So Busy But In The Best Way Possible

One of my pet peeves is people who complain constantly about how busy they are, especially when they do so in a way that involves them taking time out of what they're doing to log in somewhere and take the time to complain about being busy.  I figure if you are so...

Things I Need To Add To My To-Do List

I have a to-do list of things that I do around the house to keep things organized, clean, and somewhat clutter free.  I have tasks broken down on a monthly basis, with some tasks set to perform monthly (e.g. re-organizing the pantry shelves to group all of our canned...

If You Hate Your Bank Then I Have Bad News For You

I read a lot of other personal finance blogs, as I think getting different voices, opinions and thoughts on various items is great.  I have quite a few (see my blog roll) that I love and others that I read in passing.  One topic I see time and again are posts that tie...

10 Things I Wonder About

Recently, Kim at Eyes On The Dollar did a post about some random things that she can't understand.  While I agree with her on many accounts (especially the one about popcorn ceilings...how did those things even come to be invented?), I figured I'd blatantly copy the...

Does Aldi Stack Up In Terms Of Quality And Taste?

We've recently added Aldi as one of the stores we visit regularly to fulfill our grocery shopping needs.  There isn't one really close to us (7 miles is the closest), but we found that it was worth it and could offer savings for our family.  Last month, Aldi...

Is Flipping A Charity Auction Item Going Too Far?

Our son's preschool has run a charity auction for a number of years, I believe this was the 12th year.  Being that this is his first year, and our first year involved with the school, we were excited to see what it was all about. The goal was to raise $5,000 toward...

There Are Always Savings Opportunities

It's been a while since I've gotten a raise at work.  Quite a long while, actually.  While that in itself is less than optimal (read: it sucks), it gets even worse when you consider that things have gotten more expensive across the board.  Just a few examples: Gas...

The Simple Reason JC Penney’s Pricing Gimmick Failed

It took only 17 months for Ron Johnson be outsted as the CEO of JC Penney. Quite honestly, I'm surprised that it took that long! When I first heard about the proposed change in the item pricing strategy, I was skeptical.  For those who might have missed the whole...

As Pet Care Costs Continue To Rise, Ask When Enough Is Enough

I have two cats, both of whom are pretty old. Our old girl The older cat is 17 years old (sometime this month, as she was a 'barn cat' we don't really know her exact date of birth).  She started off as a cat that my roommate and I out of college thought would be...

From Annoyed To Happy: Always Run Your Numbers

We recently went to Kohl's and went on a fairly extensive shopping spree.  My wife has gotten pretty good at identifying the real deals available at Kohl's from the non-deals (where they mark up items higher than other stores, than offer a 'discount'). We had two...

Entertainment Book Filed For Bankruptcy

Update: Entertainment has asked me to pass along that they have resumed operations (click here for their press release), and that merchants are expected to continue honoring their coupons until the expiration date.  Thanks to Jennie at Entertainment for finding my...

Relationships and Money: Here Are My Answers

Lance at Money Life And More first brought to my attention a post theme that's been making its way around the personal finance blog niche.  Originally started by Chase Bank, the idea is to get your thought on eight different questions that link together money and...

We Decided On A Roofing Company

I've written a few posts lately about our adventures with choosing a roofing company.  The initial process didn't get off to a great start.  Our first quote was taken on a whim, as I let someone in who was doing a door-to-door walkaround.  I knew I probably wouldn't...

Would We Have Been Better Off Getting A Roof Before We Needed One?

Our roof is definitely due for replacement this year.  Even though we didn't move into the house until 2007, I know that the roof was installed sometime in 1998.  Some of the building inspection stickers are still on the electrical box in the basement, and it...

Don’t Ever Ask An NFL General Manager For Money Advice

The NFL season never ends, and even though it's been over a month since the Super Bowl, there's always something going on.  Free agency and the upcoming draft are the current orders of business.  It's a great model if you have any ties to the NFL! One thing that I've...

The True Test Of The Stock Market Lies Ahead

Last week, the Dow Jones industrial average broke through all time highs.  The Dow hit highs in October 2007, but pretty much fell apart after that, spending the next several months in free-fall before beginning a slow recovery that's taken the last few years to...

A Roofing Company Refused My Potential Business

This whole business of the new roof is getting tiresome already, and we're still very far away from getting anything done. Heck, I can't even get some companies to come out and give me a quote.  I've never had an experience like this. I called JKM Roofing (of...

Get That Bread Out Of Your Refrigerator

For us, bread use seems to hit spikes and valleys.  I take my lunch to work every day, and while I normally take a sandwich, there are times where I take leftovers or a frozen meal.  If these situations happen for multiple days straight, sometimes bread will sit for a...

Tips for Getting a Personal Loan When You Are Retired

Living on a fixed income is not always easy. Unfortunately, retirees often encounter unexpected situations that they do not have enough money in their savings account to cover. It might be something simple like an appliance breaking, or it could be a medical...

Promises Are Meant To Be Broken

About a year and a half ago, I wrote about how I had made a vow that I would not replace our old TV with a new flat screen TV until it died. Well, I broke my vow. The old TV was a 32" Toshiba tube TV.  I purchased it in early 1997 for around $800 from Best Buy.  At...

Sprint Protects Itself From Fraud But Customers Are On Their Own

On the surface, it would seem crazy for someone to write a post complaining about having a $556 credit balance on your cell phone bill, but that's exactly what I'm about to do.  See, I have a $556 balance on our Sprint account and I am not at all happy about it. A...

Suing S&P Over The Mortgage Crisis Is Crazy

I often laugh at news stories over at The Onion, which is a news site full of satire.  The headlines and stories are presented as real, but you usually find that they're written to bring out laughs and are not based in fact. I thought I had to be reading a story on...

A New Car Is Little More Than A Drag On Your Net Worth

I got a call from our credit union the other day.  I used to do all my banking at this credit union until we got married, when we decided to combine our finances, and this led us to consolidate checking and saving services into a nearby bank, meaning that the credit...

I Believe Consumers Can Affect Gas Prices

Winter is typically the time of year when we use the least amount of gas.  Travel is down because people aren't doing the amount of vacation travel that happens over the summer, meaning that gas consumption is down.  Since demand is lower, this usually means that the...

There’s A Lot Of Money In The Cable TV Business

I was talking to my dad the other day about our cable TV service.  We use the same provider, so we were both dismayed (but not surprised) when we both received a letter in the mail from our cable company letting us know of a rate increase.  This is something that...

Don’t Do Something If You Don’t Know What You’re Doing

If you've read this blog for awhile, you may know that I used to run things on the Blogger platform.  Very early on, I actually started the blog on WordPress, but when I gave some thought of giving up blogging, I migrated over to Bloggers since that was free. It...

Our Major To Do Items For 2013

Earlier in the week, I wrote a summary of our 2012 to-do items in terms of large projects around the house.  Here is a quick list of things we want to get done during 2013: A new roof -  I hinted that, like in 2012 with our tree removal, the biggest items would center...

How Much Would Bail Cost?

I found out some shocking news earlier in the week about someone that I used to consider a very close friend.  We have fallen out of touch over the last few years (a situation that’s worthy of its own future post), but I found out that he was charged with embezzling...

Reviewing Our Major To Do Items From 2012

Last year I wrote about the major things we wanted to get done around the house, and just recently stumbled across it, so I thought it would be a good idea to check in on how things fell for last year's list, and spell out a few of the things I want to get done this...

Was The Payroll Tax Holiday A Good Idea?

By now, most people have probably received their first paycheck of the year and have seen the effect of the expiration of the payroll tax holiday.  As part of the economic stimulus packages during the throes of the Great Recession, the powers that be decided that...

10 Small Things To Do Around Your House Today

If you are fully or partially responsible for the place that you live, whether that be a house you own, house you rent, apartment, townhouse, whatever, you know that there is always something to be done.  Much of the time we are focused on big projects, things that...

Be Honest With Yourself About Your Financial Situation

A few months ago I wrote a post about a nearby restaurant that quibbled with us about the cost of a salad.  Long story short, they charged us more for a salad attached to the 'Special of the Day' menu versus the price that was listed as the attached price of an...

Eating Fresh Vegetables Has Gotten A Lot More Costly

Our family isn't 'organic' or 'natural' by any stretch of the imagination.  My wife tries to cook healthy in the sense that: We don't avoid processed foods but we do try to keep them to a minimum Every meal includes some fruit Every meal (outside of breakfast)...

Help For Families Who Want to Save Money on Utility Bills

Staying warm in the winter is a priority for everyone, not just vulnerable groups like the elderly and infirm. When you are cold and can't get warm, life can feel pretty miserable. But with the financial pressures that millions of households around the country are...

Today Is The Day To Stop Making Excuses

Take a look at the following and see if you can answer what they all have in common. Members of the City Council of Detroit blaming the state of Michigan for revenue shortfalls that have left the city with several hundred million dollars of budget deficits. The...

Should You Send Thank You Notes For Gifts?

I went to college with a guy that has been a fairly good friend for quite a number of years.  We keep in touch regularly.  He played in the fantasy football league that I ran for eight years.  He lives pretty close by.  We met his girlfriend, who later became his...

For Most People, There Probably Isn’t Really A Magic Number

What's your magic number? I'm talking the number of dollars that, if someone gave you today, would convince you to stop working and stop worrying about money.  It would be enough that you would feel comfortable living off of for the rest of your life. Most people...

Do You Prefer Instant Or Delayed Gratification?

One of the favorite stories that comes up around the holidays has to do with my sister-in-law (my wife's sister).  When they were kids, they both received Advent calendars around Christmas (a tradition that my mother-in-law now has started to introduce to her...

What Does Hernia Surgery Really Cost?

Way back in 1999 and 2001, I went under the knife, both times for hernia repair operations.  Going in for surgery is never fun, but looking back, I'm amazed at how little I thought of the cost of health care in terms of what was a priority and everything else. The...

Have We Lost Our Ability To Be Open Minded?

I've noticed that in so many areas these days, people have their minds made up.  About what?  Well, pretty much everything.  The thing is, I can't decide if this happened as I've gotten older, meaning that people have gotten more decisive, or because I've gotten...

Choosing Your Home Loan

Buying a house is super stressful for a million reasons, and one of the biggest ones is choosing your home loan company.  Your home loan will determine your monthly payment for the next 15-30 years, so it is obviously a pretty important piece to the home buying...

Take On New Work And Balance Your Time Effectively

I recently got asked to take on two new items of work.  My first order of business was to create a plan so that I could balance my time and set expectations. Both of the new tasks are pretty high visibility.  There has been a little bit of belt tightening in our area...

Why Most People Will Fail At Their New Years Resolutions

It's been a week since we rang in 2013.  How many of you out there set a New Years Resolution? Raise your hands. How many of you have already broken it?  Hopefully there weren't any hands out there, though I'm sure it's possible and if you haven't, well there is still...

Does Anybody Really Like Debt? Envision Debt Freedom!

Debt is one of those things that you will almost certainly have to deal with at one point or another in your life.  And, if you're like most people, it will be something you have to deal with throughout life.  Can you envision debt freedom or are you resigned to...

Reviewing Our 2012 Financial Goals

I wanted to take a look back at the financial goals that we had set for 2012 and review how each of the areas that I had targeted actually performed.  The way I handle our financial spreadsheet, the net worth review that we do toward the beginning of the month is how...

2012 Predictions In Review

With just a few days left in 2012, I think it's appropriate to check on the list of 7 predictions which I had made at the beginning of the year.  Let's see how everything turned out: President Obama will get re-elected - Got it right - I knew without a doubt that...

Enjoy Christmas As If You Were A Child

I doubt any kids read this blog.  While I think many of the topics that I talk about should be taught to kids (staying out of debt, paying credit cards, saving responsibly), I don't write it to where I think kids would want to read. That being said, this post is...

Would You Stop Speeding To Pay Lower Premiums?

I've heard more and more stories where insurance companies are getting creative with how they come up with their auto insurance premiums, to where some dynamic factors are brought into play. Traditionally, insurance premiums are set by fairly static inputs: Where you...

Pay Yourself First To Save Money And Enjoy Life

One of the best strategies I've heard as method to save money is to pay yourself first. With this approach, you address your savings goals as the first item in your budget, rather than the last.  The principle is that if you address savings as a goal on the bottom of...

Get Rid Of That Clutter Once And For All – Until Next Time

Clutter can take on many forms, and getting rid of clutter is a never ending battle for most people.  We try to stay on top of clutter as much as possible, but I was still amazed when I went through just the basement and thought about some of the items that we could...

When You Don’t Get The Answer You Were Looking For

My wife asked me a question the other day that I really didn't even have to think about before answering.  She asked if I've noticed a measurable decrease in our spending each month as a result of our daughter no longer being on baby formula. Our daughter is eighteen...

Get Your Rental Deposit Back After You Move Out

If you rent, as many people do, you likely had to pay a rental deposit before you moved in.  I only lived in one apartment in my lifetime, and we had to pay a month of rent as a deposit.  This was right after college, and my friend and I stayed there for two years, at...

Using Unofficial Experts Pays Off In So Many Ways

Finding an expert in any area is easy.  The problem is not breaking the bank to do so.  You can pay car dealers to fix your car or pay big fees to financial advisors to manage your investments, but if you can get the same level of expertise at a lower cost, you’ve not...

The One That Thankfully Got Away

This is a story that goes back to when we were house hunting.  It got brought to light because, as you'll see if you read on, it's a very small world! The backstory. In 2007, before my wife and I got married, we knew that we wanted to buy a home to start our marriage...

Combat Smaller Size For Same Price Gimmicks

It’s no surprise that manufacturers like to raise the price of products whenever they can, with one of the most common ways as of late being to shrink the amount of product you receive, all while keeping the price the same. This effectively raises the price of the...

Is Our Emergency Fund Redundant?

For years, I’ve kept an emergency fund.  This is split between an ING Direct (soon to be Capital One Direct) and Ally Demand Notes account. Along with the emergency fund, we have money set aside for other savings goals.   These include things like: New Car –...

I Knew That Facebook Would Be A Failed IPO

Not that many people asked me, but I felt that the Facebook IPO was a bad idea from the beginning.  Mrs. Beagle can attest to the fact that I was never excited about.  She asked if I thought it would do well. My answer was clear: No. After the initial price and number...

You Never Know What Memories Will Become Long Lasting

The other day, I was listening to some music, and rather than listen to Pandora, I decided to flip through some of my MP3 files that I have on a thumb drive.  I decided to listen to listen to an album I haven't heard in awhile, Facing Future by Israel...

Why I Love Getting Cash For Presents

Some people don’t like getting or giving cash as a present.  People use reasoning along the lines that it is impersonal and doesn’t show a lot of thought going into the gift. Depending on the person, I completely disagree. What do I mean by ‘depending on the person’? ...

Kraft Has A Plan To Get You To Buy More Salad Dressing

I always pride myself on being somewhat of a watchdog on noticing when companies seem to be giving you more for less.  I've written about how packaging changes can lead to higher prices for baby formula or even how changing the suggested usage in products like baking...

How Much Do I Love My Samsung Galaxy S3?

It's been awhile since I talked about getting my new cell phone from work.  As you may remember, I chose to get the Samsung Galaxy GS3 over the Apple iPhone 4S, which was what was offered at the time. I felt that the S3 offered a bigger screen, the same amount and...

5 Financial Items To Do With The 5 Weeks Left In The Year

Today is Cyber Monday and by now, everybody is in full holiday mode.  I'm sure lots of people gave up some sleep for Black Friday shopping, and I know internet traffic spikes (and work productivity goes down) as people will be online today trying to hunt down deals....

How Much Crazy Black Friday Shopping Do You Do?

Tomorrow is a day of football, eating turkey and pie, and giving thanks for what we have.  The day after is when so many others give thanks...for great sales. I've never been a big Black Friday shopper.  The extent of what I do can pretty much be broken down into:...

What To Do When Your Interviewer Checks Out

Over the fifteen plus years that I’ve been in the professional workforce, I’ve worked for five different companies.  The journey for those jobs included many more interviews along the way. As much as I’d like to think I’m awesome enough to have nailed every interview...

Camping Misadventures 2012 The Final Chapter And Wrapup

After all the various adventures in the first and second posts about our adventures in owning a camper (actually, a trailer), I wasn't sure how many more adventures we could take. Luckily, things by and large settled down after that.  We did a couple of more trips,...

Reduce Complexity And Add Value Instead

A group of family members recently went out for dinner.  We went to a local restaurant that we've frequented a few times because they have really good food and their prices are reasonable, with most items on the menu between $8 - $12 ranging from burgers to an...

5 Things Republicans Need To Do To Get Back In The Game

It's been a week since the election and I thought I'd give a little bit of closure to the whole thing by looking at what Republicans need to do to get back on the upswing over the next 2-4 years. I will go in saying that I identify as Republican though I don't push my...

One Hundred Years From Now, What Will Be Our Greatest Innovation?

I often look at where we have come in the last hundred years, and it absolutely amazes me.  The time itself is but a second on the grand scale of the time that the human race has been in existence, but the changes in technology, in what we've discovered and have been...

Who Paid For The Flu Shot?

A few weeks ago, I was talking to my wife while I was at work, and she mentioned that she had gone to Target, and had decided to get a flu shot.  We'd never done this before so I was a little curious about how everything went down. Typically, we get our flu shots in...

How Low Mortgage Rates Will Help Prevent Another Housing Crash

Mortgage rates have been at or near record low levels for quite some time.  Much of this is a byproduct of low rates from the Federal Reserve to the banks, which are able to pass along the low cost of borrowing to their customers. The hope is that the low rates will...

Remember The Fiscal Cliff When Casting Your Vote Tomorrow

The fiscal cliff.  Have you heard of it? It's only this little thing that's looming in less than 60 days that threatens to raise taxes, cut spending, and potentially throw us into recession.  It's a set of provisions that would automatically kick in if Congress does...

Saving Money with Seasonal Lifestyle Deflation

This is a guest post from Edward Antrobus. Edward is a construction worker, blogger, tinkerer and a househusband. He writes about frugality and occasionally rants about what he thinks the personal finance community gets wrong. Recently, I embarked on a quest.  Instead...

The Story Of My Worst Job Ever: Part Three

This is the third part of the story about my worst job ever.  It started off as one post, but writing it got to be so long (and so therapeutic, even though these events happened seven years ago) that I decided to break it up.  In the first part we talked about the...

The Story Of My Worst Job Ever: Part Two

Here is the second part chronicling my worst job ever.  This job was not only a bad job because it didn’t work out, but it came pretty close to destroying a lot of parts of me that I have built over the years that led me to be successful at many jobs before and...

Ways That Kids Can Learn Money Management Skills

Rising student loan debt among young people has underscored the current need to teach children money management skills at a young age. Conscientious parents are exploring educational options for children of all ages that can help them to learn basic money management...

The Story Of My Worst Job Ever: Part One

Many months back I started going through the various jobs that I had.  I figured it would be about a four part series, and I got through part one and part two, fully intending to hit the third and fourth part shortly thereafter. Oops.  Turned out I probably just...

Don’t Fall Into A Spiral Of Debt

Paying high interest on credit cards is never a good strategy to building wealth and achieving positive personal finance goals.  What is a high rate?  These days, 25% is probably considered high. If you find yourself in a high interest situation, hopefully you are...

Will The Stock Market Impact The Election?

The stock market hasn't done very well at all, and is down roughly 5% from it's highs just in the last month with another day in the red shaping up for today (the S&P is trading around 1400, having fallen from roughly 1470 earlier this month). I think another 4-5%...

Fixing A Little Thing Is Easy And Can Keep You Happy

Do you ever get sick of where you live?  Not sick where you want to pack up and move, but just where it gets sort of....blah. That happens every now and then. Some people have a great fix for when this happens: They go through and make a big change. That's fine if you...

You Can’t Succeed If You Don’t Put Yourself In A Position To

This post uses some sports related analogy, but I promise, even you non-sports fans should continue reading as I think it's a point that everybody should bring home. In two days, my hometown Detroit Tigers will begin playing in the World Series.  The team was last in...

2013 Insurance Selections Are Right Around The Corner

It won't be long before employers start rolling out their options for 2013 insurance selections.  This always seems to go very well with Halloween as most of the past few years have been, well, simply frightening. Last year wasn't bad.  In fact, my employer didn't...

Turns Out Our Bank Was Not Being Completely Up Front

Recently I wrote about how our bank (Fifth Third) charged us for what appeared to be inactivity.  I was surprised by this. Unfortunately, it turns out it wasn’t completely true. To summarize the previous post, I had two $5 service fees show up on our savings account,...

How We Had An Amazingly Fun Weekend And Kept It Cheap

This weekend was a busy weekend at the Beagle household.  We didn't have any one event that kept us busy, but we had a list of things to do that all turned out to be great fun for everybody, and even better news: it was all done cheap. Friday Night Lights Little Boy...

Why I Hate Fall

Fall is beautiful.  There's no getting around that.  The turning leaves are nice.  The crisp fall air is refreshing. But, I still hate fall for one simple reason: My skin. I have eczema.  I've had noticeable symptoms for a few years now, and they seem to pick up in...

If Something Looks Too Good To Be True, It Probably Is

I use Google Reader to subscribe to most of my RSS feeds.  One of the feeds I have set up is the up and coming deals listed on Slickdeals.net.  There's usually a couple hundred per day, so for the most part, I glance at them just to see what's going on (though this is...

Airlines Continue To Stoop To New Lows

I was appalled when I read a story last week on NBC News where an airline attempted to charge a family an extra $60 so the parents could sit next to their 5-year old child. Keep in mind, they booked the flight with all the seats together, but when the airline decided...

Home Ownership And The Impact On Net Worth

It’s been a rough few years for the housing market, to say the least.  We moved into our house in mid-2007.  The price we paid was roughly 15% lower from what the previous owners had paid several years prior, so we thought we were getting a steal.  Turns out the...

Can The Post Office Be Saved?

It’s no secret that the United States Postal Service (USPS) hasn’t been the model of financial health over recent years.  Many people blame the electronic age on the fact that the USPS has been losing money recently. This may be true, but it’s not the sole reason that...

Keep Watching Your Airplane Trails In The Sky

When I was a kid, probably around the age of 10, I used to love taking time from playing outside to watch the airplanes go by overhead.  On a clear day, I loved watching the little trails that they left and could spend a good long time watching it come out and then...

Our Quirky Video Monitor: The Levana Safe ‘N See

We are on our second baby video monitor.  Both have been purchased from Costco.  The first one was by a company named Lorax and it did pretty much everything we needed.  The issue was the connector was very poorly placed.  It was essentially a micro USB connector that...

Why I Admire The Heck Out Of Mark Cuban

For a good long time, my opinion of Mark Cuban could be boiled down into two main points: He got lucky selling Broadcast.com to Yahoo for billions before the dot.com bubble burst He was annoying as an outspoken and brash NBA owner. If these are thoughts you have, I’m...

My Roller Coaster Days Are Behind Me

As a resident of Metro Detroit, one of the benefits to many has always been our relatively close proximity to the Cedar Point amusement park.  Cedar Point has always, for most of my life, been known as one of the top places in the world for roller coaster enthusiasts....

Would You Buy Contact Lenses Online?

Many things have become more affordable to purchase online than with traditional "brick-and-mortar" retail outlets. Books, music, televisions, and many other electronics or items related to electronics are now routinely purchased online.  The biggest explanation is...

I Ordered A Phone Yesterday…Was It An iPhone?

As probably everybody knows by now, Apple announced the iPhone 5 yesterday, with the first units available later this month.  I'm sure millions of you have already read it, though that can't quite be right because this blog doesn't have millions of readers. Not yet,...

Rest Assured, PCs and Laptops Are NOT Going To Die

I laugh every time I read articles about how tablet computing is spelling the end for the traditional desktop PC and even the laptop computer. Admittedly, tablets are growing in popularity.  I actually bought one a few months back, an HP TouchPad, which as you may...

Why We Chose A Co-Op Preschool

I started my blog in the late summer of 2008.  At the time it was just Mrs. Beagle and myself.  It wasn't long after that we found out we were expecting our first baby. Side Note: It's funny because when you look at the comparison between blogs and children, my blog...

Watching The NFL In A Whole New Way

Tonight kicks off the 2012-13 NFL season, as the Dallas Cowboys take on the defending Super Bowl champion New York Giants.  For the last few years, the opening game has always been on Thursday, but so as not to coincide with the convention acceptance speech, they...

Car Insurance: What is it, Exactly?

Car insurance is the agreement between an insurance company and an insured individual, with the latter paying premiums to the company in exchange for compensation should there be an accident on the road. Finding A Deal On Car Insurance There are several kinds of car...

I Hate Spending Money On Sunglasses

Every time we need a new pair of sunglasses, it annoys me.  Instantly. It seems that someone is needing a pair all the time. We generally buy pretty cheap sunglasses.  So, you can tell me that we get what we pay for, and I'm not going to argue, but it's still...

Do You Have House Insurance In Place In The Event Of Flooding?

With all the heavy rain recently, it’s worth making sure you’ve got house insurance that gives you adequate cover just in case your home becomes a victim of the wet weather. With millions of properties across the UK at risk of flooding from rivers, surface water or...

We Barely Had Road Construction Delays This Year…And That Sucks!

We've done a lot of roadtripping with the new (to us) camper this year.  We've been to four state parks.  In addition, we're currently up for a week at a rental cottage, and next month we'll be celebrating our five year anniversary by hitting a couple of touristy...

Commonly Overlooked Ways to Save on Utilities

Everyone knows that to save on utilities it is important to reduce the use of major appliances. However, the common adage of turning off the lights does not always lead to significant enough results to lower utility bills. Because the average household often uses more...

6 Quick and Cheap Tips To Keep Your Kitchen Looking Awesome

The kitchen has become the centerpiece of the house for most American households.  We eat there.  Kids do homework there.  We cook there.  We gather there.  For many, the kitchen is the life center of the home. When you spend so much time there, you want it to stay...

Why You Should Never Buy From A Woot Off

Have you ever shopped at Woot? For those who aren’t familiar, Woot is one of the originators of the one-item sold for one-day.  You can buy many products, often leaning toward electronics, at what can be pretty good deals.  Typical items they sell are: Televisions MP3...

Bigger Sizes Aren’t Always Cheaper

Normally Mrs. Beagle handles the grocery shopping, and she always does a great job. Recently, she couldn't go during her normal day and time due to schedule conflict resulting from Little Boy Beagle's attending summer 'bug' camp (he loved it, of course!). So, we...

10 Things To Know When Setting Up A New Business

This is a guest post. Setting up your own business, earning your own income and creating a new life for yourself all sounds great, doesn’t it? But in these tough economic times, it isn’t the easiest thing to do; so it’s important to be serious and have a plan. The...

Taking A Day To Clean Out The Garage

Our garage had gotten, in a word, crazy.  We have a three car garage.  With two cars, this leaves one empty area for the rest of our ‘stuff’. Unfortunately, this area had turned into a big mess.  Bikes, kid toys, the lawn mower, other lawn stuff, and a multitude of...

How To Sell Printer Ink (And How Not To)

A few weeks ago, I wrote about how my Epson printer got put firmly in the crosshairs of my annoyance radar.  Even though the black ink cartridge had remaining ink, the printer refused to print anything when another cartridge (cyan?) ran out of ink.  I was horribly...

6 Easy And Cheap Ways To Enjoy The Last Bits Of Summer

Hard as it is to believe, the unofficial end of summer is just a couple of weeks away. We have had a great summer as a family.  We’ve been camping a number of times, we’ve visited a family member who has a lake house, and we’ll be heading out next week for a weeklong...

Sharing Something I Love With My Son

I’ve always thought that the construction of new houses is pretty cool.  Crystal over at Budgeting in the Fun Stuff is putting a series together on their new house, which is currently under construction.  It’s pretty awesome. Don’t ask me why I like it so much.  I...

Family Travel Tips On A Budget

Many people assume that they have to max out their credit cards in order to enjoy unforgettable family vacations. In reality, it's perfectly possible to enjoy time on the road as a family without breaking the bank. Whether traveling overseas or simply heading to a...

How Balanced is Your Retirement Portfolio?

This post contains guest content. There is nothing more important than planning for retirement. Whether you are in your 20s or in your 40s, it is always the right time to start thinking about how you will support yourself in the retirement years. It is essential for...

High Or Low, Gas Prices Stink Either Way

Nothing is certain but death and taxes. That's a fairly common adage that I've heard for so long.  I really think there needs to be an amendment to that to include the fact that someone is going to be complaining about gas prices, no matter what the cost. If gas...

Camping Misadventures 2012 Part 2

The first installment of Camping Misadventures saw me deal with a whole host of items which are probably new to someone dealing with a camper for the first time:  Hooking Up, Backing In, and selecting the proper campsite were the first orders of business. As I...

I Saved $62 Just By Asking

It never hurts to ask, right? That’s never more true than with two examples in the past week that have saved me $62. First stop: The vet If you haven’t been able to tell, we’ve been getting good use out of our new (to us) camper over the summer.  We’ve taken ‘The...

Amazon Is No Longer My Go To Store

I don't know about you, but I haven't been nearly the frequent Amazon shopper that I used to be. Back in my peak Amazon shopping, we bought things all the time.  When they first introduced the Amazon Mom program, we got diapers at a really cheap price, as well as...

Minor League Baseball Games Are Fun And Cheap

Last week, my dad and a couple of his friends organized an annual get-together where they go to a baseball game. This time, they chose to go to a minor league game about an hour and a half away (the Lansing Lugnuts).  They invited me as well as the son of one of the...

WalMart: Save A Few Pennies, Waste A Lot Of Time

The night before a recent camping trip, there were a couple of last minute things I wanted to get.  You’ll find out in an upcoming post, but one of the things that jumped out that I really wanted was an awning stabilizer kit. I knew that Wal Mart had these, so I set...

How Barbequing Got Ten Times More Enjoyable Over The Past Two Years

There's nothing like a nice burger or hot dog or other favorite barbeque item coming right off the grill.  It speaks of summer, and it's something that my wife and I have tried to do regularly since we first started dating. I look at where we were two years ago and...

Overcoming the Financial Challenges of an Accident

One of the most significant challenges one can face in the aftermath of a serious accident is the burden of remaining financially solvent if one has been left unable to work. This type of devastating injury creates a variety of psychological impediments that are only...

Update On My List Of 500 Things To Do

I wrote a few months ago about how I wanted to get into a habit of doing certain periodic tasks around the house. I haven't given an update in a while so I thought I'd check in and give a quick progress update. Essentially, January and February went great.  March even...

7 Tips For Having A Green Lawn In Warm, Dry Weather

It's been a hot, dry summer for most of the United States.  if you're in an area where you have a lawn, chances are it's not thriving.  Lush lawns are pretty rare in our neighborhood and for those who have chosen not to water at all, they are pretty much brown. Here...

Lionel Richie Is A Genius

As a child of the 1980's, one of the more long-standing musical memories is that of Lionel Richie's music.  I admit, I was a geek and I listened to America's Top 40 (go Casey Kasem!) religiously every week.  It seemed Lionel Richie was on the charts every week with...

Why is Public Liability Insurance Necessary?

There are not many business owners who don’t take measures to protect their business from possible third party claims. For this reason, most business owners carry some level of public liability insurance. Without this coverage, businesses could be quite vulnerable to...

Things to Think About Before Trading Forex

Forex trading, or FX for short, has become a popular investment option over the past few years for a variety of reasons.  The biggest reason for this is because it is a huge market – currencies are the most traded (liquid)  asset in the world, and as such, there can...

From A Bloody Sock To A Bloody Mess

Curt Schilling was one of my favorite baseball players in the 2000's.  Whether you love or hate the Red Sox, anybody who follows baseball surely remembers the Red Sox ending their 900 year title drought partly because Curt Schilling wanted it so bad that he pitched...

Mid-Year Check On My 2012 Predictions

Six months ago I made seven predictions for 2012.  Time to take a look at them and see where they stand and my current thoughts on each: President Obama will be re-elected - Too early to tell - We're still four months away from the election and Obama and presumptive...

Camping Misadventures 2012 Part One

We bought ourselves a camper last fall, but didn't use it until this year, as it was past the time where camping usually takes place.  Still, getting it in the fall allowed us to get it a little cheaper and also meant we didn't fight with others interested in...

Have You Thought About Life Insurance Lately?

Life insurance is one of those things that most of us do not enjoy thinking about.  The reason is obvious: it's centered around our death or the death of someone else that is important to us. Even so, it's something that everybody needs to think about and plan for...

Fun With Spam

I really enjoy looking through my e-mail spam folders sometimes.  I just browse the subjects, but they are can be very entertaining. My latest browse through has taught me: I can win $500,000 per day by playing online poker.  Wow, if the US government just had federal...

I’ll Take No Icky Water For 90 Cents, Please!

Our office campus is undergoing a multi-phase renovation.  We have two buildings, and essentially one half of a building is being remodeled, with the intent to expand our space and bring us from the 1970's era furniture and layout to a more modern approach. My desk...

Have We Learned From Our Past….Successes?

"Those who cannot remember the past are condemned to repeat it." --George Santayana Most people have heard of that saying, particularly when it comes to politics.  Many politicians are accused of failing to learn from past mistakes, only to repeat them with just as...

Planning For A New Roof

Our roof is around 13-14 years old depending on what period of the construction process in which it was installed. In any case, it's showing it's wear and is probably not long for this world. The deterioration of the roof has become apparent in three ways: Eroded...