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May 252015

Tweet Because I like to procrastinate, I spend a bit of time on The Reddit. I follow such subreddits as the one that asks celebrities somewhat interesting questions, the one that lets people brag about the volume of their video game collection, and the one that the one that hates cops/Comcast/pro-lifers/anti-gays/Wal-Mart. Oh wait. That last one is all of Reddit, probably because someone over 40 there is about as uncommon as a taxi driver who isn’t trying to rip you off. No wonder Uber is kicking their ass. I also Read More […]

May 062015

Tweet Last week, Twitter was all, uh, atwitter, about Royal Bank increasing its bank fees. Some of the changes which go into effect on June 1st include: If you use up your free monthly debits (raised from 10 to 12), you’ll have to pay a fee to pay your mortgage, car loan, or any other loan automatically taken out of your account. That fee is from $2-$5 per transaction If you have a kids or student account, this fee is $1 Seniors now have to be 65 to qualify for Read More […]

May 012015

Tweet Here in Canuckistan (that’s what I call Canada as long as Harper is in charge, says a crazy person) we have a pretty sweet existence. Health care is both bountiful and free, and is sometimes administered by sexy nurses. Spring is here, which means we can temporarily forget about how winter crushes our soul for nine ten fourteen months of the year. Lousy Smarsh weather indeed. But there’s one thing that’s eluded Canadians for years, and I’m not talking about the pronunciation of aboot. We just haven’t been able Read More […]

Apr 292015

Tweet The biggest ripoffs, in the world, ranked: 5. Movie theatre popcorn (whatever, still buying it) 4. Paying for data or text messages when you’re in Murica 3. Starbucks 2. Scented candles (come on SHEEPLE. Lights exist) 1. Converting Canadian Dollars to U.S. Dollars The last one is what really gets me. To exchange Canadian Dollars to U.S. Dollars, guys like me have to go down to the bank, feign being interested in conversation with the lady working there, and then pay a 1.5% fee for the privilege of getting Read More […]

Apr 272015

Tweet Let me start off this post with a bit of a scandalous statement. I know, WHAT A SURPRISE, huh? Most personal finance books are trash. Okay, they’re not trash. It’s just that if you’re an intermediate or advanced student of the subject, most will be filled with stuff you already know. Authors cater to the lowest common denominator, because that’s where the dollars are, yo. For people just starting out, this isn’t a bad thing. If you know nothing, everything is going to be enlightening. But for people who Read More […]

Apr 242015

Tweet Ah, cliches and rules of thumb. Because if there’s anything that’s predictable, it’s a human’s ability to take a complex subject and boil it down into one pithy sentence. My favorite example lately is John D. Rockefeller. I just got finished reading a mammoth 800 page biography on the may, which chronicled everything from his tumultuous childhood to his dirty old man stage, which I can assure you, was quite delightful. He pioneered everything from vertical integration to using science to improve his refining yield. His institute revolutionized charitable Read More […]

Apr 222015

Tweet To save time, circle the choice that best applies. Hey, (friend/Facebook acquaintance/person I met that one time while drunk but am Facebook friends with for some reason): Thanks for taking the time out of your busy schedule to email me! I really appreciated hearing from you. And congratulations on finally (paying down your debt for good/finally leaving this damn town/starting your own business/other). I know it can be a tough step to take the plunge and admit to the world that you’re going to do something to make your Read More […]

Apr 202015

Tweet Here’s a question for you guys. How do you sleep at night? No, dammit. That’s not right. Are you going to stop DICKING AROUND and actually ask the question? Who are you talking to? I don’t know. Let’s get to the damn question. Why exactly would you own bonds in a portfolio? There are a few reasons, like: Interest payments, yo. Even if they do suck these days Balancing the portfolio Take some of the risk off equities These days, owning bonds is less about the yield and more Read More […]

Apr 172015

Tweet If we got together and made a list of reasons why the average person buys a brand new instead of gently used car, it would probably look a little something like this: Reliability Actually frugal since they intend to drive it into the ground Uh, I dunno New cars aren’t *that* much more than a used car Stop asking me, geez Let me add another reason, one that exists but nobody ever mentions. Vanity. Yes, even though the PF world constantly likes to point out that we’re not the Read More […]

Apr 132015

Tweet If I was in a Starbucks, I’d be the living embodiment of a digital nomad’s wet dream. But I’m not. I’m currently sitting in a Dunkin Donuts in Ulsan, South Korea, listening to the same shitty half Korean/half English Dunkin theme song, which plays approximately every six minutes. Come on, Dunkin. You ALREADY have me here. I’ve already exchanged $3 for an english muffin so bad that even Guy Fieri hates it, and we’ve established that guy would eat a pizza laced with motor oil. There’s no need to repeat it Read More […]