Hard Way Frugality

Greetings my financial cave dwellers. Today we tell a tale of a three-headed Dragon so deeply entrenched in our personal data we aren't even aware that we are being spied on without our consent. Yes, unlike the temptations of American consumerism, this fleecing of our personal data starts when we enter the world. The recent discoveries of the Equifax hack  where over 143 million people get their personal data compromised are just a preview of whats to come should the other two heads of this credit beast ( Trans Union, Experion ) get hijacked by the clever sorcerers of the internet also known as hackers.  And in some cases, these companies stand to profit by leaking your private information. For example,  Equifax has a "free" credit monitoring service. While the service is free for the first year, if you forget to cancel the service, Equifax will auto-bill you $17 per month. I could only imagine that millions of people will flat out forget th...

Somebody once told me that the second page of the Google search results is the best place to hide a dead body because nobody ever looks there. I feel the same way about Facebook comments. Regardless of what I once fell into, I have come to the conclusion that commenting on a controversial Facebook post is an absolute waste of time. This is because no one will really see your argument. Specifically, nobody of significant influence is going to look for your comment, and no search engine will give you credit for your effort.   Moreover, I am now seeing studies show that increased social media usage causes depression . This makes me depressed just thinking about the time wasted. Social media is designed to be addicting , do not fall for the trap. You should be rewarded for your effort instead of being a lab rat.  So what are our options?  If you have something important to say, write your own monologue about it, provide factual evidence for your claim. You are allowed...

We take on numerous tasks without formal training, why is that? A carpenter worth his salt would not build a quality product without first sharpening their tools. As professionals, the world is changing, and it's changing fast. Metaphorically speaking, in order to keep up we need to sharpen our tools every now and then. Why not take the time to read up on ways of not just keeping up with the world but leading the change and innovation that is taking place right in front of us.    Now, I know what you are saying, " who has time to read?"  Valid point but I can make an excuse for just about anything. The truth of the matter is this, I am an adult. No one else dictates how I spend my time. I have full control of my time and am responsible for the way in which I occupy this time. Even if I miss this ambitions goal by a few books, I am still better off than if I never started at all. Below is my strategy on how I am going to tackle the goal of reading 3 books per mont...

Political rant: Google "Milton Friedman Quotes", while on the page that shows his quotes, do a Control "F" for the word "Freedom". It appears so many times (shown below). That is not the case for the current landscape of candidates running for office if you do the same exercise (also shown below). This is yet another another stark reminder that no one is looking out for you .  Time to polish off the mirror and have a conversation with the person there. For they are the only one looking out for your best interest. Please examine my screenshots below.  Donald Trump: Hillary Clinton: Bonus:  Milton Friedman: If Options A & B are the only available choices on the table, you can always flip the table.  - Unknown

Hello everyone, It just so happens that The British Left the EU and we are still alive! Do you remember the mass hysteria last week? With national elections around the corner, I would like to take minute and remind everyone that the national media makes a living off of our emotions. Don't give in to that, don't change your behaviors based off of emotions, continue to learn from history and think critically. If you turn on left wing news, you hear their own summarized version of events that fit their bias; likewise with the right wing media outlets. I encourage freedom of speech and critical thinking. Daily reminder, If a cop shoots someone it's possible that it's because that person didn't listen to the cop: It's also possible that the cop made a mistake. Until you know the... (wait for it) "FACTS" please hold off on making a firm opinion. It's very possible that you don't know all the information because you weren't there. This was ...