Hi, my name is Daniel, and I… lost track of my finances.  I write (what is for the most part) a personal finance blog, so you’d think that I would track every penney, but I don’t.  We budget to pay ourselves first (savings/retirement), pay all of our bills, and then everything else is give and take.  One month we ... Read the rest »

I took an investments class the during the Fall semester of my Senior year in college, and when I say “took” I mean that I dutifully attended every class, sat in the front row, and tried with all my heart to understand what the hell he was talking about.  It wasn’t that I didn’t understand the ... Read the rest »

In college I thought I had learned everything.  I learned finance in and out, I learned economics, marketing, advertising, managing, forecasting, social drinking, networking, and every other aspect of business that I could think of.  I was a badass.  Nope.  As soon as I started work, I ate my piece of humble pie.  Why is it that ... Read the rest »

I got my first credit card when I was 19. It was a Citi American AAdvantage card. As I got older I slowly accumulated more credit cards, and by the time I graduated college I had 5, all with Citi, all with rates between 15 and 20%. Shortly after graduation, I financed our cross-country move, ... Read the rest »