How to Read a Form 10-K Like a Pro

While I don’t talk much about my job as a lawyer here on the Dough Roller, I can tell you this–I’ve read more Form 10-Ks than I care to remember. A Form 10-K is an annual report that public companies must file with the Securities and Exchange Commission (the SEC). And if you are a […]


A Review of the Six Steps to Financial Fitness

There are a lot of wealth “systems” out there. Some are just plain bogus. Others, like Dave Ramsey’s Financial Peace University, are legitimate. Recently, I came across one put out by the FINRA Foundation and the Florida State University. Called the Six Strategies for Increasing Financial Fitness (pdf), this short brochure is designed to help […]


We Are All Consultants Now

In trying to understand the way jobs are evolving, particularly for white collar professions, I find two phrases quite useful: We are all between job searches. All jobs are now contract consulting jobs. “Whoa, wait a minute!” you might exclaim. “I have a steady job!  I’ve been there for 5 years, and I’m a full-time […]


Blue Sky from American Express Review

Notice: This card is no longer offered by American Express. You can find current travel rewards offers here. Owning a travel rewards credit card is necessary only if, well, you plan to travel.  All of the rewards are specific to saving on future bookings or even saving on fees accumulated during travel.  The Blue Sky […]


Extreme Couponing is Not Worth the Effort

Working from home, I’ve been brushing up on a lot of television shows I wouldn’t normally watch.  I find that working on the computer all day with a mix of TV leads to excellent production. And one of the shows I saw was an episode of  “Extreme Couponing“.  I’ve written a few posts previously about […]


How To Find A Car Mechanic You Can Trust

Anyone still using the verbiage “What you don’t know can’t hurt you” needs to stop now because it’s exactly the opposite.  Paying someone to complete a job you know nothing about and then trusting them to do the job right is financially irresponsible and should be avoided at all costs.  Auto mechanics are certainly not […]