CashCap
Money can be useful. If one has too little money, one risks the loss of basic sustenance. But I believe it is also possible to have too much money, or at least too much in comparison to one’s neighbors...
View ArticleCredit is a form of Cash
It’s usually best to avoid debt. A credit card, for instance, is not some magic method of generating money out of thin air; it is a fancy method of paying for something with your own money. The same...
View ArticleComplexity in Personal Finances
I’ve received a lot of offers to sign up for credit cards and other financial services. But I’ve turned them all down for a simple reason: financial complexity. Every new offer is another company I...
View ArticleSimple Cash Counting Method
Let’s say you want to keep more careful track of your spending. The most precise way is to get a receipt for everything and record all the figures, but that’s tedious. Here’s a simpler method for...
View ArticleMinimum Wage
I think it’s good to have a Minimum Wage law, but I’m not sure what the actual wage ought to be. Some argue we should raise the minimum wage, so poor people can make more money. Others say this would...
View ArticleWhat’s the salary?
I’ve been looking for a job recently, searching various websites. I have found that not all job listings actually list the salary or wages of the job. Instead, I’m expected to get halfway through the...
View ArticleFirst-World Problems
There’s an old adage that says “Don’t cry over spilled milk.” Today we might update that with the words “Don’t complain about First-World Problems.” (A note on etymology: During the Cold War, the U.S....
View ArticleBuying Gold
Sometimes I see commercials for companies selling gold to consumers. They always claim that “Now is a great time to buy gold” because the price of gold will increase in the future, and therefore buying...
View ArticleThoughts on the Federal Debt
I was recently forwarded a video about the U.S. debt problem, which you can watch here. The video exaggerates the problem. Yes, it’s true that mandatory spending exceeds tax receipts. It’s also true...
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