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Sunk Costs Are Irrelevant

Sunk Costs Are Irrelevant

Irreverent Personal Finance

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Tax Refund Came, Now What?

4 Comments / Taxes / By Slug / 2013-04-17 2013-04-17

Unlike all those people scrambling to get their taxes done to meet the deadline 2 days ago I’m one of those people that seeks to extract what’s rightfully mine from the federal and state governments as soon as I possibly can.  Unfortunately I usually have to wait a while to file due to all the …

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The Enabling Effect of Disability

4 Comments / All Other, Ethics / By Slug / 2013-04-08 2013-04-08

We are enablers.  Specifically we as a people are enabling people to not work and to not contribute to society.  We are enabling states as well by allowing them to shift the burden of responsibility for welfare and Medicaid to the federal disability and Medicare programs.  How is this happening?  What’s going on? In case …

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Changes at Sunk Costs Are Irrelevant

5 Comments / All Other, Debt $survivor / By Slug / 2013-03-29 2013-03-29

I have three big announcements: Facebook commenting has been removed!  I replaced the commenting system with Disqus which will allow you to post anonymously or by Twitter handle or by Facebook or Disqus or Google+.  Basically any way you want to comment, you can now.  So please comment away! Google has announced the end of …

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Net Worth: Loss of Control Angst

6 Comments / Net Worth, Retirement / By Slug / 2013-03-27 2013-04-02

For a while on this site I was posting my net worth.  I took it down because it didn’t seem to be adding value to the conversations and as it grew it began to feel  more like bragging.  It’s not that I didn’t earn the money and other assets I have, it’s that I no …

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Maximizing What’s in Your Wallet Q2 2013

6 Comments / Credit Cards / By Slug / 2013-03-26 2013-03-28

  Welcome to the Q2 2013 edition of Maximizing What’s in Your Wallet! As a reminder, this post is for all the credit card deadbeats out there looking to maximize cash back rewards. So, if you never carry a balance on your credit cards, have them set to auto-pay in full every month, and want to make …

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My Highest Effective Tax Rate Ever

2 Comments / Taxes / By Slug / 2013-03-21 2013-04-02

Well, you can see by the title this isn’t going to be a happy post.  I am happy to have finished and submitted my taxes.  I managed to do the taxes for my side Project X on my own, and I used TurboTax for state and federal returns.  All in it cost me less than …

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BankAmericard Better Balance Rewards Card Review

Leave a Comment / Credit Cards, Hustler / By Slug / 2013-03-06 2013-03-07

Bucks Blog over at the NY Times is reporting that B of A has a new card that pays you cash back for on-time payment.  This, of course, should peak the interest of any credit card deadbeat who never carries a balance.  From the B of A website: Bank of America today introduced the BankAmericard® Better …

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Banking in the US and the UAE

Leave a Comment / All Other / By Guest Poster / 2013-03-06 2013-04-08

The following is a guest post. Although there are obvious religious and cultural differences between the United States and the United Arab Emirates (UAE), the everyday lives of the citizens of both countries are not so dissimilar. The same wants, needs and desires are evident in terms of peace, security, and protection from crime, good …

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Just Ask — Negotiating Credit Card Fees

Leave a Comment / Credit Cards / By Slug / 2013-02-28 2013-04-02

I know I’ve said this before, but I’m a firm believer that you rarely get things that you don’t ask for or work for.  Such is the case again for me in negotiating some late fees and interest. It all started last year.  I was pretty pissed when Sallie Mae decided to switch from their …

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Payroll Tax Mourning: The Saga Continues

Leave a Comment / Taxes / By Slug / 2013-02-07 2013-04-02

The NY Times is out today with another story on the deleterious impact that the expiration of the payroll tax holiday is having on the lives of US Citizens, particularly the middle class.  Anecdotal evidence is presented that clearly demonstrate the changes in spending patterns that the citizenry is feeling forced to make in order …

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