Many people don’t realize this but their personal freedom is in danger.  I’m not referring to conspiracy theories, corrupt politicians or even terrorism.  The biggest risk to personal freedom that will impact your daily life is coming from banks and other financial institutions in the form of debt.  If you are like me, your personal [...]

I’ve heard and read various people defending credit cards for various reasons.  They claim that as long as you pay your credit card bill in full each month they can provide some good benefits.  Things like being safer than cash, car rental insurance and point programs for free flights, etc.  The one reason that is [...]

…and just like Bruce Banner you wouldn’t like me when I’m angry, mainly because it involves me lecturing somebody about finances. Although this might not be as cool as turning into a giant green monster it is cheaper on the clothing budget. Now every year around this time I am forced to listen [...]