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The world recently crossed a demographic threshold: as of mid 2008 more than 50% of the world’s population lives cities. Despite the Malthusian predictions of the 70s, the population of industrialized nations is decreasing — and the cities are the cause. Cities act as population sinkholes for one simple reason: babies are expensive.
In [...]

Coin by Coin loves ING Direct.
ING is a bank run by the Dutch. Dutchmen are a no-nonsense, fair dealing, punctual, get-stuff-done kind of people. Their tiny nation should, by all rights, be underwater. But no! The Dutch hold back the ocean with casual grace as though it was no effort (which [...]

Jonathan Clements was a columnist at the Wall Street Journal who’s been writing columns on personal finance since 1994. This April he wrote his last article called ‘What I learned from writing 1,008 columns’ giving his opinion on why you should bother with saving and investing. Here are his reasons:

If you have money, [...]

David Bach, in The Automatic Millionaire warns us of the Latte Factor: how small, daily costs add up to big expenses. Whenever the Latte Factor is mentioned, shocking numbers always follow: for example, if you don’t by a $4 cup of coffee daily and instead invest the money, after thirty years you will have [...]

The Automatic Millionaire by Dave Bach is a little book with one big idea: you are too lazy to budget. Instead of planning a budget, you should automatically deduct savings and retirement from your paycheck. According to The Automatic Millionaire, this is the most fool-proof way to build wealth, and you’ll live [...]

I never realized how close to the edge I lived.
News stories would come to my attention with numbers like 66% of Americans live paycheck to paycheck. I would scoff at those people. I always had money in the bank an the end of the month. I wasn’t like them — until I realized [...]