Dangers of Being Too Frugal

being frugal, frugality, frugal living
Are there dangers of being too frugal? Some believe in an old wheeze that goes something like this; “if you spend all day making everything from scratch, you’ll never have time to explore the world and share your skills”. But learning how to DO things–especially from scratch–is a skill worth cultivating no matter what it is you are trying to make. Learning self-sufficiency...
more →

Where to Rent When You Have Bad Credit

rent with bad credit
Where to rent when you have bad credit? The biggest misunderstanding people have about this issue is the mistaken assumption that you have ONE credit score, ONE credit report, and ONE set of data that informs all potential landlords or creditors. But the reality is that if you apply for a home loan, your lender will look at credit reports from the three major credit reporting agencies differently...
more →

How to Maintain Two Homes Efficiently

Many are tempted, but fewer have good ideas starting out how to maintain two homes efficiently. If you’ve ever been tempted to own a second home there are considerations to remember that can help you own and maintain two properties. Before You Buy If you are looking for a second home to purchase and need to buy on a budget, remember that government-backed mortgages such as FHA loans, USDA mortgages,...
more →

How to Get Out of a Timeshare

refinance loan coronavirus
Do you need to learn how to get out of a timeshare? The very first thing you need to do in order to consider your options to ditch a time share property is to review the legally binding contract you signed in order to purchase your interest in the timeshare. You’ll want to review the fine print to make sure you completely understand what clauses, covenants, and legal entanglements you’re subject...
more →

Why is spend-down philanthropy increasingly popular?

spend-down philanthropy
Why is spend-down philanthropy increasingly popular? Before we answer the question, let’s define our terms. There are two basic types of charitable organizations and philanthropic concerns. One type is an open-ended, perpetually funded (or perpetually in need of funding) organization. The other is a type of foundation or organization that has funding but must spend it and accomplish their work within...
more →