What a terrible "rule." It doesn't even make sense - an instantaneous read on your purchase size vs. your savings amount is irrelevant.

I like the idea of targeted deadlines to pay off things like credit cards. Those kinds of high interest debts can be back-breaking when it comes to managing finances so having a defined end-date can put some urgency on it.

I like a lot of MMM's advice - his concepts are usually right on target.

...okay. Yes. Tax deferred retirement funds require you to pay tax on them eventually. I'm not implying that taxes go away.

Does Swiftkey for iOS do the thing it does on Android where it can peruse your texts and emails to teach itself?

I think these kind of rules are really great for people starting out. Sometimes it's overwhelming to try and figure out where to start when looking at big goals like retirement, home ownership, savings plans, etc. Internet research often leads to conflicting opinions, or seeing sites that you don't know if you should…

I aggressively turn off notifications for many of the apps I have installed. It seems like every app wants to ding and beep and vibrate its way into the forefront.

If you think your towel has a perfect environment for bacteria, you're doing something wrong.

My girlfriend's parents wash towels every use which I experience when we visit them for the holidays. I think it's weird.

Funny, I get paid over $1,000 per year for the credit card companies to float me an interest-free loan every 30 days.

Again, it definitely can help, but it doesn't change the fact that it's impossible to be truly effective at prioritizing an inbound internet connection. By the time the data arrives for prioritization, it has already consumed your bandwidth.

Something to keep in mind... QoS only works somewhat well on internet connections. You can throttle the inbound connection, but you can't effectively prioritize incoming packets, which is where QoS does its best work.

Totally agree. Google really has a pretty spectacular infrastructure to feed the rest of its services. Microsoft gets a fragment of that with Bing, and Apple can collect some through the usage of their devices, but at the end of the day Google gets the bulk of the most valuable commodity: people looking for something…

Sure, of course it's not tax-free. But for people who are trying to decide whether to spend money on a 401k or something else right now, they get a 20% discount on saving that retirement money. It's especially important at the beginning of peoples' careers where they're often not earning as much and have to make that…

No, you're not missing anything. It's the same reason why it's foolish to pay cash for a car if you qualify for a 0% loan - you're just throwing money away.

Dear Verizon,

You're getting a discount on what you're depositing, since you aren't paying taxes on that money.

For those who do have some kind of 401k matching through work, if you are not contributing something, drop everything you're doing and set it up right this very minute. Not tomorrow. Not this afternoon. Right now.

One of the best knife tips I ever got:

If the article can be summed up in one sentence, it's probably not the best subject matter for an article.