In my last post, I discussed the main points of the recent national mortgage settlement between the top five mortgage-lending banks and 49 states. I have heard some positive remarks about this along with some negative ones. I want to explore both of these points of view. On the negative side, imagine two home buyers [...]
About Danny Kofke
Danny is currently a special education teacher and author of "How To Survive (and perhaps thrive) On A Teacher's Salary." His frugality has enabled him to pursue a job he is passionate about and, at the same time, support a family of four on his salary alone. Follow Danny's Blog, find him on Twitter, and order his book.
National Mortgage Settlement: What You Need to Know
Recently there has been some interesting (and somewhat confusing) news about mortgages and some reductions and pay-outs to some hurt by the recent housing crisis – yes, I do consider this a crisis because nearly 8 million Americans have faced foreclosure since the housing bubble burst. I wanted to use this post to try and [...]
Do These 3 Things to Avoid Poverty
As many of you can probably guess from reading some of my posts, I am a pretty big fan of others taking personal responsibility for their actions. I know that it is hard to make a blanket statement in tough times because some people are struggling due to circumstances they have no control over. However, [...]
When Is It Time To Quit Your Job?
Before I get into this post I want to start by saying that I am not an advocate of people quitting their jobs because they are unhappy with them. With the current economic situation and job market, it is much harder for many to find a new job right now than it was 5 or 6 [...]
What Do You Think About The Suze Orman Prepaid Debit Card?
It seems like one of the hottest new things these days is a celebrity endorsing a debit card. Entertainers who have had their own card include Russell Simmons, Lil’ Wayne and The Kardashian sisters. Well, if you have been reading financial news lately, there is another celebrity who has decided to have her own card [...]
Rising Share of Americans See Conflict Between Rich and Poor
Even though most of the Occupy Wall Street protests have died down, the conflict between the rich and poor has not gone away. A new Pew Research Center survey of 2,048 adults shows that nearly two-thirds of the public (66%) believes there are “very strong” or “strong” conflicts between the rich and the poor—an increase [...]
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Thoughts on New Year Resolutions [Part 2]
In an earlier post [read here], I discussed why many of the resolutions we make for the new year usually end up failing by the time spring rolls around. Now that the ball has dropped and we are a few weeks into 2012, I hope that, if you made a resolution, you have been able [...]
Why I Chose to Become a Teacher
Many people are struggling financially right now. Most of us would love to get a raise (or a job for that matter). Between ads and some television shows, it seems like we are constantly reminded of what we do not have. I wanted to write this post to show why I chose to become a [...]
A Story About Poverty and Thoughts on Taking Things for Granted
I recently saw a story on the CBS News Show 60 Minutes about poverty in our country. This segment depicted some families living in Seminole County Florida (in a somewhat ironic twist, I was in Seminole County over Thanksgiving break to stay at my brother and sister-in-law’s house) who have experienced very difficult times during [...]
Thoughts on New Year’s Resolutions
As I write this, Christmas is coming to an end. As a child I used to hate this time but, as an adult, I have started to enjoy the time between Christmas and December 31st because it is a chance to catch my breath and focus on all that I have accomplished this past year. [...]
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