No Debt Plan

3 Simple Steps to Maximize Your Credit Card Rewards

Kevin — Thu, 31 May 2012 11:30:16 +0000

How many credit cards do you have? Are you type of person that carries one card for grocery rewards, one for flights, one for hotels, and so on? Or do you consolidate down to one or two main cards and just try to rack up as many cash back dollars, reward miles, or bonus points [...]

3 Simple Steps to Maximize Your Credit Card Rewards is a post from No Debt Plan

Why I Don’t Worry About Credit Card Utilization Spikes

Kevin — Mon, 28 May 2012 01:18:42 +0000

Why do some people worry so much about their credit card utilization rates? I certainly don’t, but I understand why some people do. It all comes down to how your credit score is calculated. If you are in the throes of credit card debt, your credit score and utilization can greatly impact the amount of [...]

Why I Don’t Worry About Credit Card Utilization Spikes is a post from No Debt Plan

3 Simple Steps to Becoming a Millionaire

Kevin — Thu, 17 May 2012 11:30:44 +0000

What are the top three things needed to become a millionaire? Can you think of them? Is it work ethic? Charisma? Inheritance? Luck? Deceit? It doesn’t have to be that complicated. We like to think of millionaires as people who either hit it lucky with a decent idea or invented something brilliant. Or maybe they [...]

3 Simple Steps to Becoming a Millionaire is a post from No Debt Plan

How to Have a Successful Multi-Family Yard Sale

Kevin — Thu, 10 May 2012 11:30:51 +0000

I really hate going to yard sales. Garage sales and estate sales, too. It’s just not my thing. Maybe its the getting up at the crack of dawn to go shopping. Or maybe its that when I’ve gone, most of the stuff has been junk. Or maybe I don’t like the idea of wearing a [...]

How to Have a Successful Multi-Family Yard Sale is a post from No Debt Plan

Alabama State Refund Delay 2012 – I’m Waiting Even Though I Moved Out of State!

Kevin — Sat, 05 May 2012 14:54:33 +0000

Sigh. If you’ve been following No Debt Plan for several years you’ll notice that several years in a row I wrote about the state of Alabama’s inability to pay my state tax refund to me in a normal amount of time. My tax return would be accepted and processed, but my refund would not be [...]

Alabama State Refund Delay 2012 – I’m Waiting Even Though I Moved Out of State! is a post from No Debt Plan

What To Do When Your Mortgage Is Sold To Another Bank

Kevin — Thu, 26 Apr 2012 11:30:13 +0000

What should you do if you get a letter in the mail letting you know your mortgage has been sold from the original financing company to a bank? Is it time to panic or just go on with your daily life like normal? And why do banks sell mortgages in the first place? Your Mortgage [...]

What To Do When Your Mortgage Is Sold To Another Bank is a post from No Debt Plan

How Can the United States Encourage Companies to Bring Foreign Profits Home?

Kevin — Thu, 19 Apr 2012 11:30:09 +0000

When a United States based corporation opens up subsidiaries in other countries, the US government doesn’t get a cut of the profits in the form of taxes. This is a very common tax tactic used by megacorporations to avoid paying high US taxes. The foreign subsidiaries flip the money around to the countries with lower [...]

How Can the United States Encourage Companies to Bring Foreign Profits Home? is a post from No Debt Plan

Why Wouldn’t You Consider a Flat Tax?

Kevin — Sun, 15 Apr 2012 11:30:33 +0000

Raise your hand if you are frustrated with filing your taxes every year. I know I am. With the tax code being over 13,000 pages long (you can order a copy from the US Government Printing Office) it is easy to see where the frustrations come from. Every year little things change from the standard [...]

Why Wouldn’t You Consider a Flat Tax? is a post from No Debt Plan

The Shocking Discovery We Uncovered While Refinancing Our Mortgage

Kevin — Thu, 05 Apr 2012 11:30:43 +0000

My wife and I were lucky enough to close on a refinancing of our home a few weeks ago. We decided to fully commit to a 15 year mortgage in order to get the crazy low interest rate. We had been paying our 30 year mortgage like a 15 year with an added principal payment. [...]

The Shocking Discovery We Uncovered While Refinancing Our Mortgage is a post from No Debt Plan

Why I Played the Lottery Even Though I Know It Is Such a Horrible Idea

Kevin — Sat, 31 Mar 2012 23:50:38 +0000

The lottery is a horrible, horrible system of money extraction from the hopeful, the uneducated, and (per zip code analysis of lottery sales) the poor. Yet I still played. I joined up with 20 of my coworkers to throw some money into an office pool in hopes of increasing out lottery winning odds by a [...]

Why I Played the Lottery Even Though I Know It Is Such a Horrible Idea is a post from No Debt Plan