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“Nowadays people know the price of everything and the value of nothing” – Oscar Wilde Every day, consumers ask me a variety of questions across my social media platforms, Instagram, Facebook, TikTok and Threads. In my The Complaining Cow Consumer Column, I share the issues that come up most frequently. I often get asked about different angles regarding pricing, so am answering them here. TikTok video outlining pricing issues: @thecomplainingcow It is quite easy to get confused about when you should and […]
A few months ago, I read my first—and likely last—book on tax-planning: Tax Planning to and Through Early Retirement. It was my first book on the subject because, well, tax planning historically hadn’t ever exactly set my pulse racing. And my last, because, well, tax planning doesn’t exactly set my pulse racing. Actually, that ain’t entirely true. Since learning more about federal and state personal income tax provisions after discovering FIRE (and that they were […]
Oh wow, you made it past the nauseating click-bait title, good for you! We just got back from a week in Berlin, made possible by HomeExchange and our friends from NS International and Deutsche Bahn. It was a blast and didn’t un-FIRE us either (again). Similar to previous trips, we used our “guest points” to travel relatively cheaply during the summer holiday. And yes, the costs may surprise you The Trip A while back we were discussing summer travel. We asked Miss CF what she wanted, and she noted that she wanted to go to Greece (still no idea why). One restriction, we didn’t want to fly. So we checked ways to travel to Greece for about 3 weeks in summer, using trains & ferries. This turned out to be more complicated than we thought, and we bumped into some issues trying to plan this. So eventually we gave up and asked Miss CF what the backup plan was. She noted city trips to Berlin and London. City trips it is! Planning trips to there two cities is much easier. So we first found accommodation via HomeExchange, before we booked out train tickets. After a bit of effort, we managed to secure transport and lodging for both cities. Mrs CF and I have been to London before (for both business and pleasure), but we never made it to Berlin. We were very excited to explore the city. Berlin Impression Completely in our style, we didn’t plan anything! We didn’t even read up on the city until we were there. The first day we were there we just wandered about 7km through the city, and took some time in the afternoon and evening to make plans for the rest of the week. Below is a quick overview of some of the highlights of the week. We obviously had to see remaining pieces of the Berlin wall and the Brandenburger Tor, but also visited Marktplatz Neun, the M&M shop, the Rausch schokoladenhaus, Teufelsberg, Tierpark Berlin and many other (historical) sites. Yes, some of these were heavily influenced by Miss CF. The Money So, how much did it set us back for the week, all-inclusive? Below if a breakdown of the expenses. All-in, we spent about €1.332 for the week. With the cost of the lodging based on our expenses at our own home for having guests, recalculated to match the points required for the accommodation in Berlin. In the various category we bought two matching M&M sweaters. I know, we all make mistakes! The transport included first class train tickets to Berlin and back, and all public transport within the city (which is bloody amazing by the way, why anyone still has a car in that city boggles my mind). We didn’t skip on the food side either. Albeit we ended up eating at home quit a few times, as this was convenient, but we
Retirement planning feels more urgent when you don’t like your career. I’ve always admired people who genuinely love their work. But I didn’t like my career from the early days. Instead of pivoting to something else, I decided to hunker down and save and invest my way out. Trying to achieve an early retirement largely… The post Brute Force is Not a Retirement Plan appeared first on Retire Before Dad.
I often wax lyrical about bargain hunting among investment trusts trading at a discount – that is, trusts whose shares trade for less than Net Asset Value (NAV). Think buying £1 coins for 90p. We’ve also written reams over the years on investment trusts as a potential source of steady income. Former Monevator contributor The Greybeard had a lot to say about it – although he grew frustrated by the relentless pushback from hardcore passivistas. More recently […]
John D. Rockefeller became the richest man the world had ever known by thinking differently about business, competition, and family. Public Release: July 28. Members have access now.Join us. Coming Soon: YouTube | Spotify | Apple Podcasts | Transcript This episode isn’t just the story of Standard Oil. It’s about the principles that built one of history’s greatest business empires and what they can teach us today. Along the way, you’ll see the […]
We review the Asda Rewards app, looking at how it rewards you when buying groceries plus how to earn from missions and star products. The post Asda Rewards Review (2026): Is the Loyalty Card Worth It? appeared first on The Financial Wilderness.
Some products disappear quietly. Others leave behind an entire generation wondering, “Why would they ever stop making that?” Maybe it was the snack you begged your parents to buy every time you went to the grocery store. Maybe it was the toy you couldn’t wait to play with after school. Or maybe it was a store, TV show, or magazine that became part of your weekly routine without you even realizing it. Sure, some of […]
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Be careful what you outsource. American’s health and wealth is being hijacked on a massive scale. Outsourcing is a wonderful tool if you entrust the right people. We often don’t. Americans suck at outsourcing. Most of our problems are of a fiduciary nature. The people we pick to look out for our best interests are failing miserably. Conflicts of interest are the rule, not the exception. The evidence is damning…The post Outsourcing 2.0 – Thinking For Yourself appeared first on A Teachable Moment.
Cindy Zuniga went to law school to make an impact in her community. After three years in law school and $215,000 of debt later, Cindy realized the real cost of her decision. Her first year out of school she paid $24,000 towards her student loans. However, only $4,000 went towards her loan’s principal balance, and the other 20,000 paid off just the interest on her loan. That’s when Cindy said enough is enough and devised a […]
Back in 2015, I wrote that Donald Trump wasn’t a political figure and I couldn’t understand why anyone treated him like one. That take aged… poorly. A decade later, he couldn’t be more political — and now there’s an investment account with his name on it. I’ve got thoughts about the politics, but I’ll save them for the end. First, let’s cover the practical ins and outs of Trump Accounts and how they might play […]
Want a rural escape without being too far away from a city? Head no further than Walker County, Georgia. This north Georgia county borders Chattanooga, Tennessee, and even shares a mountain with its Tennessee neighbor. With its outdoor charms and quiet towns, here are unique places to stay in Walker County, Georgia that can be your base while in the area. Other Georgia Destinations: Helen Georgia Trip Planning Free Things to Do in Savannah GA Savannah St Patrick’s Day (Survival Guide) Alpine A-Frames in Walker County, Georgia Alpine A-Frames: AirBnBs for bigger groups in Walker County If you are traveling with a bigger group or prefer a place with the comforts of home like a full kitchen and a washer or dryer, an Airbnb may be the answer. There are more Airbnbs in Walker County than there are hotels, with some Airbnb accommodations offering unique properties like A-Frames or Treehouses. I’ve had a chance to stay at an A-Frame cottage from Alpine A-Frames. This A-frame has 4 bedrooms and 3 bathrooms, and has 3 levels. The main level has a bedroom and bathroom near the front door, with a spacious living room, kitchen, and dining area underneath the A-Frame. The best views are on the second floor, which has the master bedroom and bathroom. Finally, the lower level has another bedroom with a Jacuzzi bath. There is another living room connected to a bedroom with bunk beds. Perfect for those whose children want a bit of privacy away from mom and dad. The best part for me, though, is the goats. When staying at the A-Frame, you’ll get bags of goat food to feed the goats in the backyard of the property. The goats hang out by the balcony in the morning, or if they’re not around, ring the bell, and if they’re hungry, they will come running towards you. The goats will eat off your hand, or just put the food by the balcony railing and they can eat off it. This is one of the most unique accommodations I’ve stayed in while traveling. If you’re going with an even bigger group, the company owns 6 A-Frames all within steps from each other. Each A-Frame setup is the same, and the goats are free to roam around the different properties. Hutcheson Hall – Happy Valley