Yearly Archives: 2011

Review of Free Dividend Investing E-Book

I generally dislike e-books, I often find that they are terrible reproductions of blogs adding no real value, however, when my buddy Mike from TheFinancialBlogger told me he was creating an e-book on Dividend Investing I was actually excited to check it out. As usual, Mike offers something above and beyond the norm in his

What is the Difference Between Marginal and Effective Tax Rate?

What is the Difference Between Marginal and Effective Tax Rate?

I am often surprised how many people don’t understand how the United States Income Tax system actually works, but on the surface it is a really simple system.  Like anything else, once we get deeper it becomes a bit LOTS more complicated. However, when someone says, “I don’t want to make more money than $X because

At Death What You Think Someone Else Wants is Irrelevant

At Death What You Think Someone Else Wants is Irrelevant

Absent fraud, duress, undue influence or a few other rare reasons whether you agree with a decedent’s estate plan is Irrelevant.  It is amazing how often I have to explain to someone that just because your pain in the ass relative left all her money to her cats doesn’t mean you should complain about it

When High Interest Loans Are a Scam and When They Are a Savior

They don’t call them loan sharks because they play fair. Predatory lenders are notorious for their ingenious ability to prey on people who often find themselves in the position where they need a big cash injection days or weeks before payday. They use the simplicity and the access to lure many folks into repayment plans

Spending vs. Saving

One of the most common questions people face today in the area of personal finances is whether it is better to enjoy your money today, or save for tomorrow.  It often feels like the experts are suggesting that you must choose one or the other and that there is no compromise. However, this is not