As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.
Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.
Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!
While you’re all providing feedback about the site, here are a few recent articles of note:
Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.
GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.
Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!
And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.
Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:
- Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.
- In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)
- Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.
- I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.
- Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.
Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.
That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…
As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.
Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.
Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!
While you’re all providing feedback about the site, here are a few recent articles of note:
Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.
GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.
Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!
And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.
Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:
- Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.
- In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)
- Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.
- I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.
- Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.
Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.
That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…
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People attend school for 12 years and are never taught personal finance. By definition, personal finance addresses the ways in which individuals or families obtain, budget, save, and spend money. It includes obtaining and managing checking accounts, credit cards, loans, retirement plans, social security, insurance, income tax and 401k information.
Children learn key subjects such as math and reading, but they don't learn anything about personal finance. Learning about personal financial matters such as budgeting, emergency funds, and savings are a part of every household. Personal finance is all about your money management techniques. How much you have at the end of every check is dictated by your ability to manage money well. The schools don't teach it, churches don't preach it, and parents can't teach it.
Money management skills that encourage planning and saving have to be taught. These skills can't be assumed. Discipline isn't like hearing and seeing, people aren't born with the ability to be disciplined and save money. It takes training and practice to learn how to become disciplined and manage money well.
Schools haven't seen a need to prepare children for personal finance or money management. The education process assumes these skills are taught at home. But, where did the parents learn the skills from? There is a great chance that most parents don't know enough about personal finance to teach their children correctly. This creates a blind leading the blind scenario. Money management discussions are rarely if ever held in most homes. These discussions didn't occur in our house when I was growing up. Children ask questions about what Santa Claus is bringing for Christmas but they never ask why the lights are on or if the bills are paid.
The lack of proper personal finance training and poor money management skills causes havoc and chaos in people's lives. All too often people entertain discussions on being in debt. They tell you how they are making partial payments or late payments on their bills. People talk and complain all of the time about not having enough money to pay their bills or not having enough money left over after paying the bills.
Splurging is not a solution. Fulfilling instant gratifications and buying things because you see and want them doesn't show discipline. The home shopping networks know they have a market for you. When you see the item and it's displayed so beautifully, you tell yourself you just got to have it. There is a great chance that when the item is delivered you'll have forgotten you purchased it. Often, these articles are thrown in a drawer or put up for safe keeping and never used. Everyone remembers the special occasion that necessitated the perfect outfit ensemble. A must have outfit has caused many gas and electric bills to remain unpaid.
Personal finance and money management skills should be taught to everyone if the truth were told. Some people need the training worse than others. Everyone can benefit from learning about how to manage money better. Children need to be taught as early as possible and the schools should require it as part of their curriculum.
America saves less than 5 percent of their income because we haven't been taught how to save. Seeking the services of a financial advisor whose profession is to teach personal finance skills will help Americans save more. A financial advisor is different than a financial planner. Don't get the two different professions mixed up. A financial advisor also known as a financial coach will teach you how to change your attitude about money. Learning how to plan and budget sounds simple but these skills present a great challenge to the average person. Learning what an emergency fund is and how to save for it while incorporating your current and future goals take skill.
Learn how to plan a course for financial well being. You can stop living from paycheck to paycheck if you commit to learning about personal finance and improve your money management skills. Awaken the financial genius in you.
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CNBC and covering the Apple <b>news</b> conference « Talking Biz <b>News</b>
Hal Morris, writing on his Grumpy Editor blog, likes how business news network CNBC covered Friday's news conference by Apple about its iPhone antennas, where no live broadcasts were allowed. Morris writes, “And that was the situation ...
The Taiwanese <b>News</b> Animates the iPhone 4 Antenna Saga (With Very <b>...</b>
The same Taiwanese outlet that does those Sims-style animations to better illustrate the news has done it again for Steve Jobs and the iPhone 4 antenna saga. No spoilers, but there's a very special guest this time. [Thanks Michael!]
Think Newport <b>News</b> shipyard could close? Two reasons not to worry <b>...</b>
No matter who ends up owning Northrop Grumman Corp.'s Newport News shipyard, it's likely to have little impact on the nearly 20000 employees who build the nation's aircraft carriers and attack submarines there.
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