Month: June 2012

The DQYDJ Weekender (Week of 6/25/12)

It's just two more days until our voice comes back over the air (wires?) in the newly re-branded Two Guys & Your Money. So, get your eardrums ready for TG&YM and my "hot voice" - and Joe posting the Fractional Sense archives up in a few days. Stay tuned!

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Is Inflation Good? Why There are Positive Effects of Inflation

Media and fellow bloggers alike enjoy bemoaning the hazardous plague of inflation. I will show that not only is this argument not grounded in reality, but that it also ignores many ancillary benefits of an inflationary rate: spending encouragement, debtor relief and avoidance of a deflationary spiral.

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The Best Type of Life Insurance?

Life insurance isn't really a topic we've touched too often here on Don't Quit Your Day Job, but since the majority of our readership has at least considered the various forms of life insurance on their quest for financial independence (or at least financial sanity?), let's dedicate some digital ink to the topic, shall we?

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How Much Do You Save as a Percentage of Your Salary?

Remember this post we wrote as a reaction to a prompt on our (at the time) current spending and saving? We wanted to revisit the topic with the whole of year 2011 in the books - and some solid numbers.

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The DQYDJ Weekender (Week of 6/18/12)

Remember how a few months back I promised you folks I would post up a bunch of articles on home renovation and do it yourself sort of projects? Yeah, well - I'm running out of rooms (just two left). I've been documenting my progress, so I'm probably just going to dump a load of articles on you guys all in a short period of time - be ready for it! (And you can see some more interior pictures of our house. Architecturally I would describe it as half Mid Century Modern and half 'California' Contemporary.)

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How to Be Successful... The Three Rules for Financial Success

On Personal Finance sites, we tend to get bogged down in the details of the drive for financial independence. We do the boring stuff most people don't bother doing - reading account agreements, pouring through investing prospect, and strategizing the best combination of credit cards needed to get the most cash back on certain purchases. Worthy undertakings all, yet sometimes we overcomplicate a simple matter - there is a very basic equation to success.

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The Curiously Large Mortgage Spread of the Moment

Last week, my colleague Cameron gave you this nice primer on the mortgage interest deduction and who it really benefits. Today, we're going to take this topic one step further (on the sell-side) and discuss government intervention in the mortgage market.

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The DQYDJ Weekender (Week of 6/11/12)

Another summer day! From us here at DQYDJ, congratulations to those graduating today. To those of you preparing to take the Bar - well, you shouldn't be reading non-law related web sites right now. Go back to what you were doing (studying or drinking coffee, I assume).

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Mortgage Interest Deduction A Good Idea?

It has been mentioned here and elsewhere that the mortgage interest deduction in the tax code is a roundabout way of subsidizing banks. If interest rates are determined by supply and demand then the demand for interest rates is only dependent on what a taxpayer's "effective interest expense is". A new study suggests that most of the benefits fall into the hands of lenders.

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Have You Ever Been Dropped By a Company?

As a genre of web sites, Personal Finance sites spend lots of time discussing and reviewing the best companies to enter into contracts with, and the best companies to do business with. There is also no shortage of reviews on companies which don't live up to those same standards. One thing we don't tend to touch? Companies which don't want to do business with us.

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Don't Quit Your Day Job...

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