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August 9, 2017/by themoneynudge

Rings & Things

Nicky Oppenheimer, Chairman of De Beers : "Diamonds are intrinsically worthless, except for the deep psychological need they fill." Imagine you and your significant other are reliving your first date and you have pulled out all the stops. This night has everything: wine, good music and finally comes the moment you have been waiting for. You get on one knee and say what you have been thinking about for so long: “Significant other, will you marry me? By the way, I am not giving you a ring because the purchase of a ring is a scam courtesy of the De Beers Corporation.” Haha..... the sad part of this statement is that it is 100% true. This information is also useless my dear reader, because most of our significant others just don’t give a shi****. Google “engagement rings are a…

July 24, 2017/by themoneynudge

Why People Underrate Psychology When Using Credit Cards

July 24, 2017/by themoneynudge

Why First Time Home Buyers Should Be Wary Of 30 Year Fixed Rate Mortgage Group Think.

November 21, 2016/by themoneynudge

Don’t Get Fleeced By a Lease

November 21, 2016/by themoneynudge

Don’t Get Fleeced By a Lease

Materialism is one of those things that most of us don't want to think about because it has negative connotations. Let’s be serious here, who actually goes up to their friends and says they are a materialistic person. Ummm no one that I know! Whether it's a gadget, a brand you like wearing, we all have fallen prey to “stuff.” What is weird is we are told time and again that objects don't make us any happier, yet our brains keep playing the same trick on us to buy anyway. Let’s journey inside the human mind when making a decision about a car lease…. A Lease is a Vanity Driven Decision In Most Instances The biggest mistake people make when leasing a car is not just that it is a bad financial decision, it is the fact they don’t admit that it is mainly driven by vanity. Leases…

July 24, 2017/by themoneynudge

Why People Underrate Psychology When Using Credit Cards

I was a having a spirited discussion with a personal finance blogger the other day regarding credit cards and the “rewards”/ cash back bonuses one can earn by using them. I was in agreement with the blogger, if used correctly credit cards can indeed be used to accelerate your business enterprise and give you extra money on items that are deemed “recurring” in nature. The problem with that last sentence is we are overrating human discipline and its complexities. Case in point, research suggests that credit cards prompt overspending, with people often overspending for the same product that they could have paid cash for. This so called “credit card premium” helps reduce the pain of parting with our money and may reinforce bad spending habits. Being aware of the…

July 24, 2017/by themoneynudge

Why First Time Home Buyers Should Be Wary Of 30 Year Fixed Rate Mortgage Group Think.

“If everyone is thinking alike, then somebody isn't thinking.” ― George S. Patton Jr. When discussing mortgages there are a lot of preconceived notions and misinformation out there. In today’s low interest rate environment we are so focused on where rates are going we fail to ask the home buyer the most important qualifying question: “How long do you plan on staying in the home?” The whole point of personal finance is that it is indeed “personal” in nature, with one buyer’s situation being very different from another. Although a 30 year fixed rate mortgage may be the best for most people, it may be inappropriate for others. Unfortunately we are seeing too many 30 year fixed rate mortgages being sold to first time home buyers that may not need them. The result is wasted…

August 9, 2017/by themoneynudge

Rings & Things

Nicky Oppenheimer, Chairman of De Beers : "Diamonds are intrinsically worthless, except for the deep psychological need they fill." Imagine you and your significant other are reliving your first date and you have pulled out all the stops. This night has everything: wine, good music and finally comes the moment you have been waiting for. You get on one knee and say what you have been thinking about for so long: “Significant other, will you marry me? By the way, I am not giving you a ring because the purchase of a ring is a scam courtesy of the De Beers Corporation.” Haha..... the sad part of this statement is that it is 100% true. This information is also useless my dear reader, because most of our significant others just don’t give a shi****. Google “engagement rings are a…

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Rings & Things

Why People Underrate Psychology When Using Credit Cards

Why First Time Home Buyers Should Be Wary Of 30 Year Fixed Rate Mortgage Group Think.

Don’t Get Fleeced By a Lease

Don’t Get Fleeced By a Lease

Why People Underrate Psychology When Using Credit Cards

Why First Time Home Buyers Should Be Wary Of 30 Year Fixed Rate Mortgage Group Think.

Rings & Things

Student Loans

Business Owners

Risk Protection

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