Michael on December 7th, 2009
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Last week I read an interesting article in The Wall Street Journal called Working Two Jobs and Still Underemployed. The piece highlights a growing disconnect between government-provided labor statistics and the reality on the street.
You: How so?

It starts with the fact that if you’re working you’re not considered unemployed.
You: That makes sense.
Technically.
You: But?
But what if [...]

Continue reading about The real unemployment rate

According to the recent Wall Street Journal article Resolved: Spend Less Next Year, people are getting ready to commit to making changes to their financial affairs.
Again.
But more seriously this time.
So serious that they are resolving, not simply talking about, the changes.
So — this time — it will really count.
But not until next year. (We’ve got [...]

Continue reading about Resolve to change your finances but not until January? Please.

As reported by the AP on MSNBC, Late credit card payments drop in 3rd quarter.  With a headline like that, I decided to read the article.  According to the referenced TransUnion study, late payments on credit cards during the third quarter (ending at the conclusion of September) were lower than they were in the previous [...]

Continue reading about Why the drop in late credit card payments doesn’t excite me

Michael on November 30th, 2009
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On the way to work this morning, I stopped to get gas for my wife’s car.
You:  You should have just waited until you were in her car. It’s much easier and safer to get gas that way.
Thanks, Einstein.  I was driving my wife’s car this morning.
You: And she gave it to you with almost no [...]

Continue reading about Why pay more for gas?

After several months (don’t ask) waiting in the winds, the new blog design has arrived.  Some highlights:

Easier to read, with cleaner font choices and more obvious line breaks for links

Two right nav’s makes it easier for you to find what you want quicker

Same thing up top: twice as many links to category content

My popular graduation [...]

Continue reading about Welcome to the new Beyond Paycheck to Paycheck blog design

Not so long ago, I wrote of some of the humorous parts of the tax code.   Recently, I became aware that the federal government is now subsidizing the purchase of golf carts and I don’t find that funny at all.
You: Really?  They’re subsidizing golf carts?
Yes.
You: How so?
Like any other subsidy, part of the cost is [...]

Continue reading about Golf cart subsidies – Why the government is subsidizing golf carts

Michael on October 16th, 2009
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As I wrote earlier this week, I recently suffered a concussion.  Fortunately, this was my first head injury.  I now hope it is my last.  In the grand scheme of things, I was very lucky. There will be no long-term damage and the main impacts were limited to lost sleep, lost money (hospital bills), and [...]

Continue reading about Learning From The Same Accident

Michael on September 25th, 2009
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You: Wait a second. This is a personal finance blog. Why are you weighing in on health care reform?
First, I’m not actually weigh in on what plan should be followed.  Rather, I am reporting some observations about our behavior. Second, health care reform is very much a financial planning topic.
You: How so?
In several ways. Here [...]

Continue reading about Health care reform and rude behavior

Michael on August 28th, 2009
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Although I graduated from college well before David from Money Under 30 began his work as a college textbook salesman, I know first-hand of the pain he details in Confessions of a Textbook Salesman, a highlight of this week’s Carnival of Personal Finance, hosted by Adam of Your Money Relationship.  (Adam was kind enough to [...]

Continue reading about Are textbook sellers greedy?

Eight years ago, Congress passed the Economic Growth and Tax Relief Reconciliation Act. Numerous tax laws were changed as a consequence, many significantly.  Most of the changes were phased in over time and now, eight years later, most have.  But one of the biggest changes is right around the corner. I found that humorous.
You: [...]

Continue reading about Timing the death market and other humorous parts of the tax code