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the personal finance blog

#62 - Is it Better to Buy or Rent a Home? It Depends on Budgetary Discipline

Whether you choose to rent or buy your home, it is a major life decision that affects not only your lifestyle but also your financial health

The 2008 Financial Crisis

The 2008 Financial Crisis was due to mortgage defaults, MBOs, CDOs. AIG needed a government bailout to pay claims and avoid financial ruin

#50 - Relationships, Personal Finance and Divorce. When is the Right Time to Discuss the Budget?

Here's one golden rule: Never judge a book by its cover or one's net worth based on the car he or she may drive.

Podcast #41 - Are You Ready for a Big Move Into the Tiny House Movement?

A tiny house is defined as a dwelling unit with a maximum 400 square feet of floor area, excluding lofts.

Podcast #40 - Establishing Good Credit for Your Children and Some Important Reminders for Adults

How do we establish credit for your children? They cannot apply for a credit card legally until age 18; they may may have an authorized user

#24 - What is Debt-to-income Ratio and to Use it When Purchasing or Refinancing a New Home

DTI is used as a measure for loan approval. We'll this explain simple calculation to be prepared when applying for a mortgage or refinance.