A Case Against Debt Consolidation and 3.2 Beer

I read an interesting post on TheCreditToolBox.com recently about why a bank might not give you a debt consolidation loan. The gist is that, if I have an average interest rate of 18% and a clean payment history, why wouldn’t a bank give me a consolidation loan at 9%? If I’m faithfully making my payments [...]

A Saga of Mistaken Identity: That’ll Be $326,945

What happens when your identity isn’t stolen, but it’s assigned to someone else? Answer: A $300,000 tax bill and a long-lasting pain in the ass.
Many years ago, I started receiving a bill from the state of Kansas for back taxes on a business I never owned. Since my father-in-law works for the state, he offered [...]

The Legacy of the Gray Hoodie

Do you remember your first credit card purchase? I don’t think most people do, and until yesterday I didn’t remember mine. Yesterday, it came back to me quite vividly.
I was standing in line at Babies-R-Us buying a new car seat for my suddenly huge infant son. I was admiring the homeless man qualities of the [...]

Posts Worth Mentioning - Generation Gap Edition

Here are some posts I enjoyed, and I think you will, too:

If I knew then what I know now … Ah, the lament of hard lessons learned. Frugal Dad has a list of Seven Ways to Ruin Your Financial Future, two of which I actually have first hand experience in. Take a look, it’s a [...]

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