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Information to help you along your journey to a brighter financial future.

Good news! Happiness might be cheaper than we thought.

You’ve probably seen the New York Times article “But Will It Make You Happy?” by now. It touches on quite a few blog-worthy subjects, but the gist is that Americans are beginning to focus more on the relationship between money and happiness. It’s one of a growing number of articles, blogs, papers, websites and other…

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End of the road for overdrafts?

In college, I once bought a $3 toothbrush from a corner store. Two days later, I realized this little marvel of hygienic equipment cost me $38. If I’m paying that much money for a toothbrush, it better clean my teeth with gold bristles. This toothbrush unfortunately didn’t, but it did leave a sour taste in… Read more

Buckle your financial seat belt

Some of the big risks may be beyond our control, but we at least attempt to manage risk in our everyday lives.  We sanitize our hands, slather on sunscreen and wear seat belts in our attempts to minimize risks.  But we don’t always do the same for financial risks.  Maybe the thought of managing that… Read more

401(k) – Three numbers you’ll love seeing together in 30 years

For your grandparents, pensions were most likely the main way to save for retirement. In their day, it was relatively common to stay with a company for a long period of time, perhaps even for the entire length of a career. Eventually, companies realized that pension plans were curbing their bottom line. Most of them… Read more

Fringe Banking: Going the Way of the Dinosaurs?

In last week’s Huffington Post entry, Matt argues that the fringe banking industry is slowly on its way to extinction, largely due to tighter state and federal regulations and increased competition from conventional banks. There are three arguments in particular that strengthen this claim, but first—a primer. What is fringe banking? Many Americans borrow from… Read more