Identity Theft – Are You Protected?

Identity Theft – Are You Protected?

Disclosure: This post contains affiliate links and we may receive a referral fee (at no extra cost to you) if you sign up or purchase products or services mentioned.A good friend of mine at work recently said he’s struggling on his month of trying not to spend money on non-essentials.  He said he’s already had to spend $250 on a plumber and $200 to renew his identity theft protection for the year. Ok, well that makes sens— wait, WHAT?! $200 for identity theft protection?!!  Holy mackerel!!! First of all, I’ve always wanted to work the phrase “holy mackerel” into a post, so mission accomplished. Since that’s out of the way, maybe now we can focus on the topic at hand…

Why Do We Buy Crap??

Why Do We Buy Crap??

Sometimes I can’t help but shake my head that we as a society feel compelled to buy crap just because we feel we “need” it. There are millions of people here in the U.S. that, although not by choice, manage to live on $2 a day.  But when it comes to the middle class, even with increasing salaries, most families buy and buy and still feel like they need more stuff. Why? Why do people love to waste their hard-earned money on crap? I’m not above this, but I think I’ve changed tremendously over the past decade.  I’ve really become much better at just living more simply. When I was working during my college years, I was a spender.  I’ve talked about how I

Get Paid to Get Laid Off – How to Engineer Your Layoff

Get Paid to Get Laid Off – How to Engineer Your Layoff

Disclosure: This post contains affiliate links and we may receive a referral fee (at no extra cost to you) if you sign up or purchase products or services mentioned.If you’ve been working long enough, you’ve probably been a part of or know of a company that has needed to layoff some of its employees at one point or another. It’s never a pretty situation for anyone – obviously, the employee doesn’t like ’em, but most managers and bosses hate having to go through this ordeal as well. In Sam Dogen’s book, “How to Engineer Your Layoff,” he talks about how to take a grim situation like a layoff and actually turn it into a positive… potentially a huge financial positive. Those of

Should You Buy Disability Insurance?

Should You Buy Disability Insurance?

When I used to think about disability insurance, it used to be a “yeah, yeah…” subject for me.  In fact, if you asked me a year ago if I should buy disability insurance, I would have told you that I was already covered. Here’s the problem… I’m really not. I’ll talk about the “why not” part shortly, but first, let’s dig into what disability insurance is all about…   What is disability insurance? Disability insurance is intended to help cover you in the event that something happens to you rendering you unable to work (partially or fully). This could be some kind of accident or a sickness that makes it so you can’t perform your regular job duties. And, if you can’t work, you’d

Panama Vacation Booked… Check!!

Panama Vacation Booked… Check!!

Well, we’re making it happen… we just finished booking our Panama vacation. I’ve heard all kinds of good things about the country for retirees and it’s really peaked my interest… enough so that we’ve been digging into the idea for quite a while now. We’ve learned quite a bit more about the country since I wrote my post “Is Panama the Right Place to Retire?“ a year and a half ago. We’ve been reading everything we can find out about the country and I talked to someone who lives there to get some feedback as well. Through our digging, we now have a better idea of the geography and the places that seem intriguing to live.  We also have a somewhat better understanding

Long-Term Food Storage Needs to be Part of Your Plan

Long-Term Food Storage Needs to be Part of Your Plan

Disclosure: This post contains affiliate links and we may receive a referral fee (at no extra cost to you) if you sign up or purchase products or services mentioned.Why in the world are you finding a post on long-term food storage on a blog that focuses on finances?  Isn’t this a topic you would only find on the survival sites out there? Possibly, but I want to shake things up a bit. And here’s why: planning for your financial future should take into consideration the pitfalls of life that can hit you at any time… and that includes the possibility of running into a situation where food and water become a lot more scarce.   So, what is long-term food storage? The whole