I don't understand why you think depreciation is a cost of financing. It is the cost of buying new. There are definitely situations when people buy new and pay cash but they'd be better off financing. I've been in situations where offering cash does not impact the cost of the car at all. So instead of paying 25k…

Change the title, never buy a new car.

Depreciation happens whether you finance or not.

It happened to me in 2010 a number of times. I would use it for online purchases and apparently the company received notification of a purchase differently. They would not realize I made a purchase or ship anything until I called. Then it was always a 2 hour phone call while they looked for the transaction. Having…

Yep. The whole point of this is allowing me to leave my wallet at home or at least thin it out. Thus far, that would have resulted in a lot of awkward non-purchases.

3rd down stop, or tackle in the backfield?

The worst thing about season creep is the ability to drink the beer at the appropriate time. Two local microbrews are already out of Oktoberfest. They're wrapping up their christmas ales as fast as they can and hope to release them even earlier because they're out of Oktoberfest. C'mon guys, I didn't even get to…

I thought you were supposed to flea the state and work for cash only.

403b, 457, 401k, Roth, IRA, Tax efficient stocks, Tax free bonds, the list goes on for more dollars than I'll ever ever have.

And if you're that afraid of risk, please adjust your own risk profile. Or be poor in retirement, your choice.

What kills me is people assuming my debt interest is anywhere near 8%. You even have the insight to assume a bunch of the debt is a mortgage, not stupid credit card debt that could actually be 8%. Do NOT stuff extra money into paying off cheap ass debt when the stock market collapses. AKA 2009.

No, it's just expensive for a beer can chicken.

Yuengling is good beer when the only other choices are coors light and labatt blue. A fairly frequent occurrence in these parts.

Yuengling is good beer when the only other choices are coors light and labatt blue. A fairly frequent occurrence in these parts.

Is this story ten years old. PBR got the hipster wrap because they kept drinking it when it became more expensive than most other cheap beers.

Nick Tahou. Don't want any travelers using GPS and getting lost.

White hots rule!

Again, Mrs. T's is crap.

I hope Mrs T's isn't considered a good Pierogi. That would be like saying any town with a pizza hut has great pizza.

For every extra dollar per month I put toward student loans since graduation I would have saved $9 in interest. Instead I put it toward tax advantaged retirement accounts and improved my net worth by $77 per dollar.