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Dear Dave, My wife and I have always attended church, and we have always tithed. Over the last few months, we have come to the decision it is time for us to find a place to worship that is a little more involved in the community. If we are actively l...

My family did not travel much when I was a child, but when we did, my parents jumped through hoops to cut costs. On a trip to Disney World, for example, our family of six switched hotels. Every. Night. My mom worked for a hotel chain and could get o...

Dear Dave, Do you have any advice on how to start a carwash and detailing business? What things should I consider first, and what do I keep in mind over the long run? – Andrew Dear Andrew, I’m excited for you, man! And I love your ambitious spir...

This is the fifth and final in a series of articles to mark Financial Literacy Month. Inflation is insidious. It decreases monetary value, purchasing power, slows spending, raises costs, all with various impacts, deleterious or beneficial on hou...

This is the fourth in a series of articles written in conjunction with Financial Literacy Month. Today we look at current finance-focused impact concerns about minimising inflation strategies being exercised by our three largest neighbours: the ...

Dear Dave, A relative of mine recently mentioned she had two life insurance policies. Is it okay for a person to have more than one life insurance policy? If so, why would someone do that? — Victoria Dear Victoria, There are no rules against hav...

In her third article marking Financial Literacy Month, Martha Harris Myron looks at interest rates in the US an elsewhere and their impact on capital markets and our investments. Martha is also hosting a financial literacy essay contest for five ...

Dear Dave, My husband and I have paid off all our credit card debt, and we are following your Baby Steps plan. We still owe about $40,000 on two cars, and our combined income is around $150,000. Since we have a good income, we were thinking about fin...

Dear Dave, I’ve been wanting to start my own small business for years. The only problem has been my current job. I make good money, but I also put in a lot of hours. About a month ago, I came up with an idea I think would be really successful. How do...

April is Financial Literacy Month. Financial literacy is the possession of skills that allows people to make smart decisions with their money. Although understanding stats and facts about money is great, no one has truly grasped financial litera...

The common-sense mantra is “managing a budget keeps your finances under control”. Good advice for good times: stable job, stable economy, healthy family, and a positive, promising future. Not so relevant now. In an almost three-year torrent of events...

I was blessed to grow up in a home where my siblings and I were taught wise money habits (would you really expect anything else from Dave Ramsey’s family?). And even though I didn’t always love the lessons on saving and budgeting as a child, that kno...