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Coffee Today vs. Financial Security Tomorrow
How much would you pay for a cup of your favorite brew? $3, maybe $5, but not much more. That’s nothing compared to the $500 price tag for a cup of Diamond, the ultra-luxury coffee made from beans...
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The 401(k): the Best and Easiest Way to Save for Retirement
Easier Said Than Done? Last week I wrote that financial security is within your reach, particularly if you are young enough to benefit from the magic of compound interest. Just set aside your coffee...
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Myth: You Can Bank on Your Credit Score
Fact: Your online credit score is not the score that your lender uses to qualify you for a loan. Do you have poor, average, good, or excellent credit? Knowing your credit rating is important, but...
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Investor Kids: A Growing-Up Portfolio
When my cousin, David, told me his kids choose stock over toys for their birthdays, I just shook my head in disbelief. His kids, Sarah and Daniel, who are nine and ten years old, started picking stocks...
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Can Money Buy Happiness?
It’s the age-old question: Can money buy happiness? The answer depends upon whom you ask. People without money say “yes.” People with money say “no.” If you don’t have enough money to make the rent,...
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The Secret to Building Wealth
The secret to building wealth is no secret at all: work hard, spend wisely, save, and invest. Of course, there are other ways. Some people are born rich. Some start successful businesses. Others...
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Invest Your Way to Financial Independence One Coffee Cup at a Time
Who would pay $500 for a cup of coffee? No one would, except for a few extremely well heeled Europeans and Russian oligarchs, who sate their palettes with Diamond, an ultra-luxury blend from Bespoke...
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Say More by Spending Less
Why Buy? Spending and savings are opposites sides of the coin. By spending less, you can save more. We spend to buy the things we need: food, clothes, shelter, transportation, education, and...
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Job Prospects are Looking Up for 2016 Graduates
The 2016 job market is the best for college grads since the Great Recession. Job prospects are looking up. In addition to the improving economy, more baby-boomers are retiring which opens the way for...
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How Much Does Opportunity Cost?
Whether you realize it or not, you generally take opportunity cost into consideration whenever you decide how to manage your time, money, or debt. Because most of us have limited resources of time and...
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