Banks. They’re a necessary evil but these days, it seems more and more like they’re just out to rip off the American public. They make Washington politicians look honest by comparison with the insane fees they levy against you. Here are the top five things that your banker desperately hopes you never find out about: They Maximize Fees Do you really think that your bank can afford to maintain your checking account with interest and not have a minimum required deposit? Banks traditionally made their money by taking your money, giving you a pittance of an interest rate and then … Read More >

The answer to the above question is no. And yes. Listen folks, I come from the apathetic Generation X. We believed the whole world was screwed up back in the 1980s but at least we kinda sorta felt like we’d do better than our parents did. After all, how could anyone possibly do worse than disco pants and bell bottoms? I mean seriously what were they thinking?? Okay, let’s be a bit more serious for a moment. Millennials, the Americans who are just coming into their own and who are now getting into the work force do face a lot … Read More >

So did you buy yourself a shiny new Amazon Echo after I mentioned it in a previous article? Congratulations – you may very well have helped keep some older American’s roof over their head. Welcome to the crazy world we live in – where seniors make ends meet by doing menial work in fulfillment centers. The fact is that you are extremely likely to be stuck working into your 70s and beyond. Here’s what’s broken with our system and how you can get out of the rat race: Job Security? What’s That? Back when I was a kid, I was … Read More >

  Ah yes, the monthly right of paying the bills. It’s a foil for every single sitcom out there, whether about poor, working class people or rich people who suddenly discover that bathing in Evian is a waste of money. The thing is, there’s a good reason why you get all twisted up inside when you get your monthly bills in the mail – it’s because you have the good ‘ol J.O.B. mentality. Take Charge of Your Bills for a Change I recently got a bill for $13.43 from a phone company whose service sucked. I cancelled the service and … Read More >

I know what you’re thinking – they’re engaging in scare mongering tactics! It’s like a Donald Trump rally here where immigrants are stealing all the good jobs. Well, it ain’t quite that bad if you happen to have certain skills. However, if you’re like lots of Americans who just have an ordinary J.O.B., you may want to look into something else. It is after all a J.O.B. Unless your day job is something like mine, where you work in sales and your salary is largely based on how good you are at your job, you are still in the wrong … Read More >

  To hear Bernie and even Hillary tell it, we all must get college degrees or else. The or else what is not really specified but it sounds like it’s really bad if you don’t get a degree. Sorry folks but I’m here to call bull**** on that common trope. Do you need a college degree for certain things? Sure you do. But there are lots of ways to succeed in life without one too. Lots of Successful People Didn’t Get a Degree It’s likely that you already know that Bill Gates, the founder of Microsoft was a Harvard drop … Read More >

Travel to certain places in the world and speak with an American accent and see what happens. You’ll have throngs of people with their hands out because they think every American is super wealthy. Hah! Fat lot they know – the fact is that about half of us just barely get by, living paycheck to paycheck and praying that the car doesn’t break down and that we don’t lose our jobs. So why is it that we live paycheck to paycheck and what can we do about it? Even the ‘Rich’ Often Live Paycheck to Paycheck A while back I … Read More >

My dad always used to say, for a dollar it’s worth it to dream once in a while. But now that Powerball costs two bucks, maybe the deal is off and it’s not worth buying a ticket anymore. The truth is though, buying a ticket for the lottery has always been a fool’s game unless you do it for the reasons my dad used to say (and even then, it’s not really worth it). Here’s why buying lottery tickets is a sucker’s bet: You Have a Better Chance of Being Struck by Lightning Know anyone who has been struck by … Read More >

I’ve always loved playing Monopoly. Mostly because I always seem to win – hey, I’m ruthless when it comes to the game and I take no prisoners. But what’s really interesting about Monopoly is not just the fact that it’s a really fun game where you get to crush your friends’ dreams of owning Boardwalk and Park Place but also the fact that it teaches you about personal finance. Trade Houses for Hotels and Get the Big Money The first lesson I draw, which admittedly is not necessarily the lesson that many others would draw is that trading up is … Read More >

5 Ways Jobs are Killing You

by Eric Hammer on January 20, 2016

You’ve seen me use the acronym J.O.B. before – Just Over Broke because it’s so true – a job is a way to stay at the same level and never break out of the rat race. It’s the sort of thing that many people think is the only way to do things. Well I’m here to tell you the truth people – jobs suck! Here’s why: A Word of Caution Okay, I know you’re all used to me being mildly sarcastic here but I need to say something from the get go. I’m not telling you to walk into your … Read More >