Personal finance is much bigger than your ability to manage money.  Yes, at its roots it’s the application of financial principles where individuals and households budget, save, and spend monetary resources over time.  However, that definition does not do it justice because the subject is LOADED.

it’s a lifestyle
you dont have to be super frugal, save a lot, be the investor, make the most money, marry rich, be the sharpest tool in the shed, bargain hunting, etc
need to create a lifestyle that works for you.
as long your working towards your long-term …

Buy entire collections and parse them out into single collections.
Positives
consistent 20% ROI
I controlled my success
often controlled the market price
Negatives
time consuming
sense of urgency
requires large initial capital

1) Read the columns on the front page
2) do research on the most important sections of the wall street journal
DO RESEARCH

This may be a complete shock to most of you bargain hunting fanatics, but the best cyber deals out there you will NEVER see.  Just because you frequent the likes of fatwallet.com, slickdeals.net, or any of the hundreds of bargain hunting sites out there, what you see within the forums are really leftovers or deals that many bargain hunting “secret society” members do not deem as “HOT”.

I probably will receive some anonymous emails from various bargain hunting site owners if this article reaches a greater mass of the …

I like to call this my “Creme Brulee Theory“.  This theory answers one question:
Are 2 guys able to share a Creme Brulee dessert at a restaurant?
Below, I have provided a small diagram to assist with my explanation.

Let’s start at the TOP LEFT with the full oval shape.  This is my rendition of Creme Brulee.  Yeah, I know I suck at drawing, get over it.  So if two or three girls can share a Creme Brulee, why not 2 guys?

[See the next figure to the TOP RIGHT]  So …

A good friend of mine recently got in a car accident and totaled her car.  Fortunately, she and her passengers emerged from the wreckage unscathed.   After her insurance assessed the damage, they gave her a settlement of $9717 which included a registration fee refund and the salvage value less deductible.

So with $9717 in hand and no extra money to spare, she begun her search for a new USED car off of Craigslist; the land of spam & scams to the ignorant or gems & diamonds to the well-informed.  After a …

I’m sure many of you recognize that code from the popular 1988 NES game call “Contra”. It gave you access to 30 lives to battle the evil….. umm…. what the heck were they battling anyway? All I know is you fight a giant brain at the end. Well, the game was awesome and it became an instant classic.

Here’s the thing, when did it become cool to remember and recognize this code 20 years later?

It’s New Years Day, the day that millions of people around the world make promises to themselves to do something in particular moving forward.  Most folks call these promises “Resolutions”, but I like to call them “Torture Sticks”.
I personally dislike the act of creating resolutions because they truly aren’t effective.  After New Years, I see friends and family torture themselves into doing something they DON’T want to do.  That’s why our gyms are full of new faces in January then back to it’s normal occupancy in February.  These folks show …