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Multiple Income Streams to replace One Man-One Job?
You may be employed at the moment - in fact you may even be well-employed. But look at many others around you and what do you see? With millions unemployed, millions more under-employed, and hundreds of thousands of jobs being outsourced to lower wage countries, what does the future of employment ho Continue Reading
Why an Independent Insurance Agent Is Your Best Friend When Buying Insurance
OK - this post is going to read like a plug for the insurance industry, or at least for insurance agents and brokers. And maybe it is, but rest assured the endorsement is based on life experience and not on any an affinity that I have for the profession or any single member engaged in it. Nor am I i Continue Reading
Self-employment in the Internet Age
"Better to light a candle than to curse the darkness." - Motto of The Christophers I mostly make my living on the internet these days but I have a confession. I never worked much with computers until about five years ago, least of which the internet. Sure, in the preceding 25 years that I Continue Reading
Know the Value of the Car You’re Buying – and the One You’re Selling
When ever we buy a car, a process known as “haggling” is set in motion. From a car dealer’s perspective, this process has two over-riding objectives: a) To charge as much as possible for the vehicle they’re selling us, and b) To pay as little as possible for the vehicle we’re tradin Continue Reading
Robin Williams – Goodbye to a True Legend
I must confess at the outset that I’m not much of a celebrity worshiper. I couldn’t care less what Kim Kardashian is doing, what Jennifer Aniston is wearing Saturday night, or what Ashton Kutcher and Mila Kunis have planned for the weekend. But Robin Williams was one of those rare talents who wa Continue Reading
Why Bundling Services Might be a Bad Deal
Companies are always trying to get us to take their bundle plans, neat packages that promise a veritable one-stop shopping trip for all of our communication needs. Cable TV, internet, land lines, cell phones - they’ll load them all into a pretty little bundle for us and provide a nice discount for Continue Reading
Why You Should Avoid Buying in HOA Neighborhoods
A couple of weeks ago I ran a post, Do You Ever REALLY Own Your Home, in which I challenged the assumption that you actually enjoy true ownership, in the traditional sense. I cited limited property use restrictions, heavy economic use restrictions, the potential for legal attachment, and increasingl Continue Reading
You Can Only Cut Costs So Much—Then You Need to  Make More Money
Frugality has become popular as a way to help cope with an economy where jobs, raises and promotions are harder to find and to hold on to than they have been in nearly a human lifetime. But there’s a fundamental problem with relying exclusively on frugality to deal with the high cost of living. Yo Continue Reading
How Much Can You Save by NOT Owning a Car?
Pssst…wanna lower your cost of living — I mean really lower your cost of living and do it for good? Ditch your car. No, I’m not kidding, ditch your car! Most people cut costs by trimming along the edges — clipping coupons, reducing eating out, eliminating vacations and the like. But so Continue Reading
Does College Prepare You for Self-Employment?
I realize that this question violates many, many people’s equilibriums. What ever the career issue, there’s a collective sense that a college education is the answer. That, I believe, is the exact reason why the question must be asked. Does college prepare you for self-employment? It’s no Continue Reading