Ron H. posted an article on The Wisdom Journal - Nov 5, 2009, 6:00 am
According to Credit Karma’s CEO, Ken Lin, 2009 has been a momentous year for credit issues – and I have to agree with him. Suddenly, frugality became cool, overspending was out, and consumers put ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Nov 4, 2009, 7:30 am
This is a guest post from Joel Ohman, a Certified Financial Planner and President of 360 Quote LLC.  He is a serial web entrepreneur and is currently spearheading several successful consumer comparis...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Nov 3, 2009, 8:35 am
We’ve had it “drilled” into our heads for decades – reduce dependency on oil for the good of our planet, for the good of our air, for the good of our water. We’ve learned to drive less, driv...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Nov 2, 2009, 4:00 am
“The unexamined life is not worth living.”  –Plato, speaking through Socrates in The Apology Am I the only one who finds it ironic that one of the world’s wealthiest nations is the most ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 30, 2009, 7:00 am
Imagine going to the grocery store to get some ideas on what to fix for a dinner party. As you’re pinching the fruit to test for ripeness, a man walks up to tell you that EVERYBODY needs to eat appl...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 29, 2009, 2:00 am
Over the past two years, I’ve regularly chronicled my disdain for debt, calling it slavery and listening to scores of readers who think it’s no big deal. To me, debt is always a big deal because i...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 28, 2009, 5:25 am
Yesterday I wrote an article about 13 loans that scare me to death, but the truth is, almost all debt scares me to some degree. Now I know what you’re thinking – what about a mortgage, what about ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 27, 2009, 1:00 am
Some people claim that fear is based on ignorance, but my personal fear of these financial vampires is based on knowledge. Some of these loans are scary because of how they’re structured, some loans...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 26, 2009, 9:00 am
If you’re a regular reader of personal finance and self development blogs, you’ve probably read about someone’s mistakes. I’ve made some big mistakes myself in the past, but part of maturity i...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 22, 2009, 7:45 am
After I wrote How to Compare Insurance Companies and Agents, I received this comment a from Mark, one of The Wisdom Journal’s readers about his experience with NetQuote. I was able to save a f...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 21, 2009, 1:30 am
I scoff at the idea of haggling for a better price. I tell you that it’s no big deal when you get incorrect change at the drive through. I tell you there’s nothing you can do when you get passed...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 20, 2009, 9:30 am
Are you like me? No claims of any kind (ever), no traffic tickets, no accidents, and no teenagers on my policy (so far), yet my car insurance took a jump in premium costs. I asked my auto insurance ag...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 19, 2009, 8:00 am
This is part 12 of a 12 week series where I explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but instead resort to verbal ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 16, 2009, 9:30 am
leafy greens eggs tuna oysters potatoes cheese ice cream tomatoes sprouts berries Are you kidding me? Leafy greens? Sprouts? Berries? Tuna? Ice cream I can understand but how did tomatoes get on the ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 15, 2009, 1:00 am
Though credit cards are not the only cause of consumer debt, they’re by far the easiest type of debt to accumulate. Some people advise “cutting up your plastic” in order to prevent more debt, bu...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 14, 2009, 8:00 am
Avoid Getting Back in Debt No matter how you did it, getting out of debt usually takes years. There was a lot of work involved in getting to this point. Don’t blow it now. Remembering that mone...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 13, 2009, 1:00 am
As a parent, you recognize that teaching your children the skills for a successful life is your responsibility. Neither the government, schools, community groups, churches, nor any other person has as...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 12, 2009, 1:20 am
This is part nine of a 12 week series where I explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but instead resort to verba...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 9, 2009, 8:00 pm
Okay. Enough is enough. The drought is over. We get it already. I don’t know about you, but my yard is drenched. The amount of rain it’s received in the last few days has been incredible! Thank g...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 9, 2009, 7:00 am
Buyers and sellers rarely agree on the first offer on a home. In most home negotiations, the seller will reject the offer outright or respond with a counter-offer. If you’ve never seen a counter-off...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 8, 2009, 2:00 am
Okay, your 401(k) has become a 201(k) and you’ve lost a ton of money in the market. You actually believe those researchers who claim the sting of a financial loss is much more intense than the s...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 6, 2009, 8:00 am
If you’ve made the switch and you’re like me, you really enjoy using compact fluorescent light (CFL) bulbs in your home. Why? CFL’s save a ton of energy (lowering my electricity bill). They...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 5, 2009, 1:45 am
This is part 10 of a 12 week series where I explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but instead resort to verbal ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Oct 1, 2009, 9:00 am
Everyone makes mistakes but if your boss is like most, he or she isn’t concerned with making sure you feel like you’re in good company. No, the boss wants you to do two things AFTER you’ve screw...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 30, 2009, 10:00 am
Living in today’s world of static incomes and rising prices, avoiding a retail rip off that could plunge us into financial disaster just makes good sense. Over the years, I’ve learned to be aw...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 29, 2009, 3:20 am
Food is usually one of a family’s biggest variable expenses, and while some of these ideas seem like common sense, maybe you can pick up an idea or two to help you reduce the amount you spend on foo...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 28, 2009, 4:00 am
This is part nine of a 12 week series where I explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but instead resort to verba...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 27, 2009, 12:01 am
Knowing how to find and evaluate insurance companies and agents is a crucial step toward making sure you get the best and most thorough coverage for your particular needs. Researching Insurance Compa...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 25, 2009, 7:00 am
Your credit report is an official record of how you’ve used and managed credit (borrowed money) in the past. Every time you apply for a loan, lenders examine your report or credit score to assess yo...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 24, 2009, 4:45 am
Note I am not a lawyer and the information I gathered here came from www.uscourts.gov. The information contained in this article should NOT be substituted for sound legal opinion, nor cited or relied ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 23, 2009, 1:10 am
Note: I am not a lawyer and the information contained in this article should NOT be substituted for sound legal opinion, nor cited or relied upon as legal advice. You’ve weighed the pros and co...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 22, 2009, 5:00 am
Note: I am not a lawyer and the information I gathered here came from www.uscourts.gov. The information contained in this article should NOT be substituted for sound legal opinion, nor cited or relied...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 21, 2009, 5:30 pm
Long time readers of The Wisdom Journal know my stance on most credit cards – don’t care them but they’re a necessity in today’s economy it seems. If you’re currently carrying a bala...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 21, 2009, 12:01 am
This is part eight of a 12 week series where, on Mondays, I explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but instead r...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 18, 2009, 5:50 pm
I just received his email from Equifax: For the last month, Equifax ID Patrol(TM) has been helping protect you from identity theft. We’ve been monitoring your credit file and are pleased to inf...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 16, 2009, 6:00 am
There’s a lot of misinformation, myths, and outright lies about credit reports, what goes in them, what affects them, and how they’re used to compute your credit score. Lie #1: Credit repair fir...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 15, 2009, 5:15 am
I read an article published on Yahoo yesterday about 10 surprising minimum wage jobs but I was surprised that the authors didn’t really understand WHY those jobs don’t pay very well. Here’s the ...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 14, 2009, 3:00 am
This is part seven of a 12 week series where, on Mondays, I  explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but instead...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 11, 2009, 1:00 am
Anyone who’s read this blog for any significant length of time has probably read my references to identity theft and my own personal story of becoming a victim of this crime. In 2004, it all started...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 10, 2009, 7:00 am
Whether you’re buying a home for yourself or as an investment, it pays to research its surrounding neighborhood. Why? Because the quality of the neighborhood where your home is located will have a h...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 9, 2009, 11:37 am
Holy Guacamole! Restaurant.com has lost their minds. Use coupon code NINETY, thru 9/13/09 3:01 AM PST at Restaurant.com. and you can save 90% off your Dinner of the Month Club purchase. It begins toda...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 9, 2009, 12:05 am
Congratulations to Meg, she’s the brand new owner of In Cheap We Trust by Lauren Weber. Meg, I hope you enjoy it as much as I did. In case you missed it, my review outlined how the author dissec...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 8, 2009, 6:30 am
I love spending time with my kids – especially away from cell phones, and electronic gizmos. When my wife and I have taken our children camping, I’ve always been amazed at how they miraculously fi...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Sep 7, 2009, 6:00 am
This is part six of a 12 week series where, on Mondays, I plan to explore the tactics of verbal cheap shot artists – people who can’t, or won’t use valid arguments to present their case, but ins...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Aug 28, 2009, 12:50 am
The Life Skills Network has added a new member and we’re very happy to have her on board! Mandi from Organizing Your Way has joined our eclectic band of bloggers and we’re all excited to introduce...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Aug 27, 2009, 5:00 am
I’ve been working in the homebuilding industry since 1983, either as a homebuilder or as a supplier of building materials. As a result, I’ve been witness to some incredible scams, heartbreaking di...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Aug 26, 2009, 8:05 pm
You’d think the Chairman of the Federal Reserve would be the last person to fall victim to identity thieves, but according to Newsweek, Ben Bernanke, the Chairman of the Federal Reserve Bank, fe...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Aug 26, 2009, 5:45 am
What’s the difference between cheap and thrifty? What makes society waiver between embracing thrift and frugality and shunning it in preference for luxury and avarice? In her book, In Cheap We Trust...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Aug 25, 2009, 7:00 am
Retailers use a more politically correct term – pricing discussion – but nonetheless, it’s still good, old fashioned haggling and it’s becoming more common. It’s simple math, and just like t...
Comment - Like

Ron H. posted an article on The Wisdom Journal - Aug 24, 2009, 9:15 am
Mark (an RSS reader) is interested in jumping into the big, wide world of blogging and  recently asked what blogging setup I use, refering specifically to my computer. In the beginning, I used a Del...
Comment - Like