The Truth About Your Credit Score (from an expert)

By Ron | Jul 2, 2008

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I recently had the great pleasure and honor to conduct an email interview with Barry [...]

How I Teach My Kids About Money and Life By Using Bricks

By Ron | Jun 24, 2008

photo credit: dewfall
JD at Get Rich Slowly posted that small changes are the building blocks of financial success. I couldn’t agree more. The little blocks that make up every decision we make are what constructs our lives, financial, spiritual, emotional, psychological, occupational, and every other “—tional” you can think of.
Just like a building is [...]

For Sale To The Highest Bidder: Your Identity

By Ron | Jun 23, 2008

Your identity is one of your most valuable personal assets. It defines who you are. It can save you big money when applying for loans (if you protect it), or it can cost you big bucks when an unauthorized person uses it. Identity thieves are buying complete identities… names, Social Security numbers, addresses, dates of birth, functioning credit card numbers and more for as little as two dollars.

Turning Around Your Financial Life (Part 2 of the story)

By Ron | Jun 19, 2008

Yesterday’s post, Bad Debt Leads to a Bad Job and a Rough Life, hit home with quite a few people. Today, the saga continues, but in a different direction…
“Pregnant? You mean–with a baby?” Chris felt lightheaded and like his legs were made of rubber. Still, he gathered himself enough to hug Lisa and pretend that [...]

Bad Debt Leads To A Bad Job And A Rough Life

By Ron | Jun 18, 2008

Chris felt like he had been kicked in the stomach when he saw how much he and Lisa would have to pay each month. “How are we going to make it? We have almost no disposable income as it is after car payments and insurance and the credit card!” Lisa tried to calm him down and told him that “things will work out somehow, they always do,” but Chris was inconsolable. “I’ll just have to get a better job,

Creditors Have Better Memories Than Debtors

By Ron | Jun 17, 2008

Creditors have better memories than debtors.
—– Benjamin Franklin, Poor Richard’s Almanac (1758)
Have you ever lent someone some money and then wondered how to get them to pay you back? Maybe you KNEW you shouldn’t lend it, but you felt pressured to help them out. Maybe you dropped a few hints, maybe you even brought it [...]

My Top 5 Personal Finance Blunders

By Ron | Jun 11, 2008

NOTE: This post was graciously included in the 3rd Anniversary of the Carnival of Personal Finance #157 as an EDITOR’S CHOICE at Consumerism Commentary. Many thanks to Flexo for hosting. Be sure and subscribe to Consumerism Commentary via RSS or email.

I’ve written some posts in the past few months about 7 bad decisions I [...]

Book Review: Millionaire By Thirty

By Ron | May 28, 2008

Millionaire by Thirty: The Quickest Path to Early Financial Independence was written by Douglas R. Andrew and his two sons, Emron and Aaron.
The book takes a different approach than many financial authors in that it doesn’t advocate cutting up your credit cards, paying off all your debt, or discouraging you from drinking a latte every [...]

My Credit Card Is Dead! Long Live Freedom!

By Ron | May 15, 2008

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Today, my credit [...]

How I Handled A Collections Letter

By Ron | Apr 30, 2008

Receiving a collections letter doesn’t have to be the heart stopping event that it usually is for most people. Collections letters are designed for one thing: to collect a debt. How a collections letter does that is through fear, intimidation, and sometimes threats.

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