Kaizen is a a Japanese philosophy that focuses on continuous, gradual improvements in all areas of life. A popular example is that of Toyota Motors, where any worker can stop the entire factory line if they see an abnormality and worker suggestions … [Read the rest]
Applying the Concept of Kaizen To Personal Finance
June 15, 2008 By 24 Comments
Last updated: June 15, 2008
HSBC Direct Online Savings Back Up To 3.50% APY Until 8/15
June 12, 2008 By 20 Comments
I love no-fee no-minimum balance online banks because I can always keep them open in case they kick up another rate promotion. Also, no worrying about making a ton of small debit purchases at the beginning of each month! HSBC Direct announced … [Read the rest]
Last updated: May 16, 2018
Rewards Checking Accounts: Higher Interest Worth The Extra Trouble?
June 12, 2008 By 187 Comments
UPDATE: Rates have dropped, but these checking account still maintain around 2% APY edge over traditional online savings banks and 3% APY over big megabanks. You may have seen some billboards or heard a radio ad around town for a local credit … [Read the rest]
Last updated: February 11, 2018
Drink Starbucks? Sign Up For Their Rewards Program
June 9, 2008 By 11 Comments
The NY Times reports that Starbucks has a new rewards program where you can get free soy milk/syrup, free same-visit refills on drip coffee (hot or iced), and two free hours of WiFi per day. It's free to sign up, but you will need a Starbucks gift … [Read the rest]
Last updated: June 9, 2008
Calculating Life Insurance Needs: Capital Needs Analysis
June 9, 2008 By 12 Comments
There are a bunch of different ways to determine how much life insurance you need, from a simple "ten times your salary" to complex Monte Carlo simulations. Somewhere in between is the "capital needs analysis", which is often used by insurance … [Read the rest]
Last updated: March 14, 2014
Test Drive a Saleen Sports Car, Get Paid $25
June 9, 2008 By 13 Comments
Still more proof that recession is upon us... Sports car maker Saleen is offering folks a $25 gift card for test-driving one of their speedy but expensive cars. Pictured above is a Saleen-modified Ford Mustang S281 RF with 465 horsepower, 425 … [Read the rest]
Last updated: May 19, 2012
Funny Piggy Banks
June 6, 2008 By 24 Comments
Posting has been light due to a short vacation, but should pick up again next week. Here's a funny piggy bank I found at a small gift shop: Guess where all the money ends up... Okay, not everyone with me found it funny. :) It is certainly … [Read the rest]
Last updated: February 23, 2012
4 Free Reports With Your Personal Insurance, Employment, and Tenant History
June 4, 2008 By 11 Comments
Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) Act, which basically says that consumers should be able to see (and dispute) the massive amount of … [Read the rest]
Last updated: August 19, 2015
June 2008 Financial Status / Net Worth Update
June 3, 2008 By 34 Comments
Credit Card Debt If you're a new reader, let me start out as usual by explaining the credit card debt. I'm actually taking money from 0% APR balance transfer offers and instead of spending it, I am placing it in high-yield savings accounts that … [Read the rest]
Last updated: December 29, 2014
Simple, Easy, Frugal Ideas For Emergency Preparedness
June 2, 2008 By 26 Comments
June 1st is the start of Hurricane season for the East Coast, it's always Earthquake season on the West Coast, and it's near peak season for Tornadoes in many states, so in general it's a good time in general to check up on your disaster plans. … [Read the rest]
Last updated: August 9, 2018
Employer-Sponsored Group vs. Individual Life Insurance
May 29, 2008 By 19 Comments
I'm not an insurance or benefits expert, but while looking at life insurance I wanted to compare the coverage available from my employer vs. what I could buy on my own. As with most things insurance-related, there are big variations in group life … [Read the rest]
Last updated: May 29, 2008
More Free Citi ThankYou Network Points
May 28, 2008 By 40 Comments
More free ThankYou points! Visit this link, log in, and then type in "DPR1CDW408WK" as the promotional code. You may get an error of some sort, but check your points history and you should see 100 free points credited. If you missed the last one, … [Read the rest]
Last updated: April 10, 2013
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