Past Due?—What You Gonna Do When They Come for You?


Hopefully you will never have to experience the consequences of credit default, but if you do, what follows may prove helpful. Debt collectors come in all varieties … some are empathetic, some try to help, and others are just garden variety horses’ asses. Yeah—you read that right.  Think of the debt collector as the moral [...]

Can Big Data Help Your Personal Finances?


Did you see this one coming? You most likely have heard some chatter at work from the IT guys about big data. Or maybe you overheard folks over in the marketing department hooting and hollering about how Big Data is completely transforming marketing and sales. Yeah, but what about you? Can big data point the [...]

Customer Service—How to Get what You Deserve


Nothing defines a company in the collective psyche of its customers more than the quality of its service. Most noteworthy businesses have splendid customer service. Others do not, which brings me to the purpose of this article; improving the outcome of interactions with customer service representatives.

Mobile Banking, Is It Time?

cell phone 2

By now you are well aware that modern society has essentially been taken over by the smart phone or in techy terms, the mobile device. Yet, oddly there are still some who are shying away from so-called mobile banking. However, even the last holdouts may soon find themselves with no alternative but to embrace the [...]

Shake It up a Bit and Get Over Your Money Hump


Ever heard the one about the lemmings following each over and falling off the edge of the cliff? This story is typically used in motivational seminars to illustrate the very real dangers of always following the crowd. What if (gasp!) the crowd is wrong?

This is Why You’re Not Rich


I’m sure you are not going to like what I have to say. I’ll come right to the point; you are not rich because you choose not to be rich. Before you throw a punch at me, hear me out! Please!

Is the Trade Really Worth It?

gas pumps

Are you about done with conventional personal finance advice? Follow this 7 Step Guideline and you can’t help but run into that pot of gold at the end of the rainbow, kind of thing? Hmmm, Lucky Charms may have been magically delicous, but that pot of gold? Not so much. You see, the same old [...]

Are You 1 of the 1 in 3?

credit cards

When I entered the banking profession, I was taught that for every dollar I lend, only 97 cents will be paid back. I’m talking about principal dollars here. In other words, interest earnings needed to compensate for the roughly 3 percent of those who do not repay their loan, plus some interest on top of [...]

Wealth Mindset: What Is It? Where Do You Get It?

mansion staircase

Or What’s Between Your Ears? Have you ever taken the time to look at your personal financial situation (good, bad, or in-between) and compare it to what is going on inside your own head? Seriously, like it or not, you may in fact be engaged in some sort of self-sabotage and not even be aware [...]

Your Emergency Fund—Does Size Really Matter?

pile o money

Emergency funds are as individual as their owners. Consequently, there is no one-size-fits-all. The only critical feature of an emergency fund is that it meets your needs. Most emergency funds are created to deal with job loss or illness. Others might see the role of an emergency fund through the lens of a natural disaster [...]

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