Thoughts on Tipping

My post the other day on how much to tip a tax cab driver stimulated a good bit of discussion, so I thought I’d follow by asking a substantially broader question… What do you think about the practice of tipping in general? I have a friend that spent several years in Australia and, upon his […]


Tax Rebate Followup

Amidst yesterday’s discussion of the new tax rebate plan, a reader named Randy asked: Will this work the same as the last Bush rebate? Meaning it reduces he amount of my tax refund by the amount of the rebate I receive? For some reason, I think this is how it worked in 2001. The down […]


Tax Rebate Details Announced

According to an AP report: Congressional leaders announced a deal with the White House Thursday on an economic stimulus package that would give most tax filers refunds of $600 to $1, 200, and more if they have children… The rebates will go to 117 million families, according to a Democratic summary. That includes $28 billion […]


Thursday Roundup – The Paper on Top Edition

It struck me the other day that, whenever I buy a newspaper, I never take the one on top. I’m not sure why this is but, whether I’m buying from a machine or from a stack at a newsstand or in a gas station, I always do this. Weird. But I suspect that I’m not […]


Refinancing Our Mortgage

After nearly pulling the trigger and refinancing our home last spring, we finally decided to go ahead and pull the trigger on a refi yesterday. We’re currently about 1.5 years into a 30 year fixed mortgage at 6.375% (yes, rates bumped up right around the time we moved in 2006). Besides getting a lower rate, […]


Fed Issues Major Rate Cut

Amidst talks of a $145 billion economic stimulus package that is designed to give the economy a “shot in the arm, ” the Federal Reserve just cut short term interest rates by 0.75 percent. This drops the rate from 4.25% to 3.5%, meaning that the Fed has reduced rate by 1.75% since September. According to […]


Creating a Home Inventory for Insurance Purposes

Do you have a home inventory? If you’re anything like us, you don’t. While we used to have a video inventory, it’s woefully out of date — and to be perfectly honest, I’m not even sure where it is. Obviously, this means that it would be pretty difficult for us to put together (and substantiate) […]


Weekend Roundup – Palm Centro Edition

This past week I took the plunge and bought a Palm Centro smartphone to replace my nearly new Treo 755p. And no, I didn’t get the pink one… I got the black one. As much as I loved the 755p, I’m an even bigger fan of the Centro. They’re pretty much comparable in terms of […]


From the Archives (January 13th – January 19th)

Here are some of my favorite FiveCentNickel (subscribe) posts from a year ago this past week: » Ten Steps to Simplify Your Finances, Part 2 » Ten Steps to Simplify Your Finances, Part 3 » Don’t Miss These Tax Deductions » Ten Steps to Simplify Your Finances, Part 4 » 0% Balance Transfer Credit Card […]


The Best of December 2007

Once again, I’m a bit late with this, but here goes… December was another great month at FiveCentNickel, thanks in large part to contributions from readers such as yourself. I just wanted to take a moment to thank those of you who stop by and comment. If you like what you see here, keep in […]