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Dear Dave, I use a debit card for all my regular, day-to-day purchases. However, I use a credit card for plane tickets, big ticket items, or when I shop online because someone told me it’s easier to dispute purchases when they’re made with a credit c...

This is an updated article on being thankful and having gratitude – originally written in November 2007. That year of 2007 was a time of serious financial concerns, capital markets were headed into severe disruption, overheated economies were deflati...

Christmas is supposed to be a season full of joy. And sometimes, you have to be intentional about protecting that joy. One thing that instantly puts the spirit of the season at risk is comparison, because it doesn’t just steal your joy – it steals y...

We covered great detail in the first three parts of “The Anatomy of A Mortgage Contract” series. Part one: mortgage description overview is composed of two contracts, a deed and a mortgage, kinds of mortgages available, overview of the process, ...

Dear Dave, I lost my job a couple of years ago. As a result, I ended up in about $25,000 of debt through credit cards and a consolidation loan. Now I have a great job making more than I’ve ever made before, plus a car loan for about $13,000. The olde...

Yesterday was Armistice Day, a time set aside in Bermuda and elsewhere to commemorate and remember all who died during the First World War (now more than 100 years ago), and the Second World War, in the ever-continuing fight for democracy against the...

Dear Dave, I live with my boyfriend, and we have a baby together. I brought debt into the relationship, and I’m using your debt snowball method to pay it off, but he is debt-free. We have quite a few shared expenses that we split 50-50, but that mean...

I don’t believe in retirement. Why should I or you? Governments and those “all-knowers” across the spectrum, say you should. According to Mary Lou Weisman in “The History of Retirement, From Early Man to A.A.R.P”, writing in the New York Times in Ma...

Christmas and money – now there’s a combination that can send anyone spiralling. When you’re trying to take control of your money, saving for an emergency fund is a crucial part of the process. In fact, it’s so important that at Ramsey Solutions, the...

This year, global central bank monetary policy tightening has caused the most damage to conservatively managed investment portfolios in over hundred years, according to a recent study by Bank of America. Federal Reserve chairman, Jerome Powell and h...