Sentient Money

There are many ways to get money to start a company, some better than others, but for this post I plan on focusing on one type of financing: credit cards. Yes, I know this sounds risky, but if used in the right situation the risk is minimal.
A good example is my current start-up. [...]

Well, it all began in kindergarten…seriously. The partnership is with a friend I have known since kindergarten. We have been talking about starting a business or buying a business for a long time, as we both bring different talents to a business. He is good at getting connections and using them, and [...]

Walk into any bookstore, take a look at half hour commercials, or look at any personal finance/self-help blog and what do you find?…suggested inspirational reading. Everyone has a favorite book they promote, but do they really work?
The Secret has sold several million copies just in North America, as had Robert Kiyosaki’s Rich Dad Poor [...]

No bonds! No bonds! No bonds! Why would you include bonds in your portfolio if you aren’t within a few years of retirement? Yes, I know bonds provide a less volatile portfolio with a minor reduction in return. Why would anyone want that?

Most people have the majority of their retirement in their 401k or IRA. [...]

We have a contrary indicator on oil! The Economist cover this week features a story on oil. This cover, along with the inability of oil to continue its gains, suggests we might have seen the worst for the short-term.
I’m not the only one who thinks this. Barry Ritholtz at The Big Picture [...]

We all have heard them. Anything from, “if you plan on living there for 3 years it’s better to buy than rent”, “you should contribute up to the max in a 401k”, or “index funds are the best way to go.”
I hate rules of thumb. Why? They provide a hint of [...]

Every personal finance writer has to cover the most mundane and basic financial information at some point in time, so here it is:

Start an emergency fund in a high interest on-line account. I use E*Trade, which has a 3.15% rate at this time. Many PF bloggers like ING Direct (Orange), but right now they [...]