Should Teacher’s Pay be Based on Student Performance?

When I decided to attend the University of Miami in 2002, I wanted to follow in most of my family’s footsteps and become a teacher.  I always had a passion for mathematics, so I decided to double major in probability and education.  Five years later, I completed all of my classroom required training and was […]


Was Netflix ‘Blindsided’ by Blockbuster?

I need your help with an investing decision. The issue involves Blockbuster and Netflix. There are two questions that have been puzzling me, and I could sure use some input. Here are the two questions: 1. Why do more people choose Netflix over Blockbuster even though Blockbuster offers physical store locations in addition to online […]


5 Habits of Millionaires That Anybody Can Follow

Financially successful people can be very different in the ways they’ve generated their fortunes. But the underlying habits are the same. Here are 5 habits of millionaires that anybody can follow. I have read quite a few financial books and noticed common themes among individuals who achieve a high degree of financial success. Millionaires often share […]


I Was Audited By the IRS!

Picture this: You work for one company from January 1st through December 31st and that is your only source of income for the entire year.  You’re young, live on your own and have no financial responsibilities other than yourself.  Living paycheck to paycheck, your home is an apartment complex where you rent and the car […]


Review of Life or Debt 2010 by Stacy Johnson (and Giveaway)

Over the past 6 months or so I’ve been super-focused on paying down my debt. My goal is to be down to just my mortgage this time next year. Although all of our debt is “good debt,” the fact is it limits our options in significant ways. And that’s why the book, Life or Debt […]


The Pros and Cons of Credit Cards and Charge Cards

On the surface, a credit card and a charge card look and function the same way.  In reality, charge cards have significant differences to traditional credit cards and those difference are significant, particularly if you are trying to control your spending and debt. Since the passage of the Credit Card Act, charge cards have grown […]