Often times financial institutions merge: banks, brokerage firms, insurance companies, etc. I remember Scottrade, TD Ameritrade, ING, and more; now they no longer exist. We can now potentially add Discover to that list as it was announced they are being acquired by Capital One. For me, I have always grouped Discover with Mastercard/VISA because it…
I was messaging someone recently and they were sharing their frustration with their coworkers and I responded with “People definitely ruin jobs”. Of course this is not true for everyone and there are quite a few people that make jobs better, but overall jobs do not ruin themselves it is the people around us that…
Have you ever felt overwhelmed by listening to financial gurus? Not knowing who had the best approach? Which one is right or which one to listen to? I feel the same way, so here I am to share how to listen to those voices. Know the niche of who you follow They all have their…
Today my family was at the office store and bought a few items. After we left my spouse looked at the receipt and realized the cashier had not rung up one of the items. The cashier scanned all the items but did not realize all the items had optional warranty coverage questions which prevented the…
One thing we all know is that change is hard. Yet, I feel like most of the time when we are presented with a job change, we jump at the opportunity. The majority of the time you get a pay change, or you get better benefits or maybe it is closer to home. My last…
Have you heard the age old saying “if you wait to have kids when you can afford them than you never will”? I’ve heard recently that it costs almost $300,000 to raise a kid from birth to 18. So, my question to you is what are the bare minimums you need to raise a child?…
I recently reentered the job market and have been looking; I have also uploaded my resume to the usual job boards. This week I have had two companies reach out to me to setup an interview, one of them I did, but the other one I have not, but it is very similar. First Contact…
All the experts say you need an emergency fund. Do I really need this if I have savings? We feel that an emergency fund is a protection against taking from your savings. If you have about six months of expenses saved up and something happens you will not have to rob your life savings to…
Education is important and usually helps us succeed as adults and can be a part of financial independence, but at the same time it can come at a detrimental cost. For me, I started at a community college. This is a good way to save a lot of money. I was able to pay for…
There is an episode of the show “Recess” that has had a very big impact on my life. It’s the one where Hank the janitor is a math whiz and was offered 3 high paying jobs doing things he would love to do, instead of being a janitor. At the final part of the episode…
