ArcaMax

Affluence is not measured by your annual income. Affluence is determined by how many of your resources you manage not to spend -- the amount of income you keep.

The idea that you should live below your means is obvious, isn't it? It's not like this is the first time you've ever heard of the concept. You know that cutting spending is hard work. ...Read more

There's a particular smell that tells you summer has officially arrived. Not fresh-cut grass. Not sunscreen. Not barbecue smoke drifting through the neighborhood.

I'm talking about that sharp, chemical cloud that settles over patios, garages and occasionally entire ZIP codes once people begin attacking bugs with the enthusiasm of a medieval ...Read more

PAINT FOR PICK-UP

Most counties have Hazardous Household Material programs and collection sites where residents can drop off items that should not end up in landfills. They get all types of paint, ranging from latex, oil-based, primer, interior, exterior and stain. Sometimes the paint dropped off at the site is brand-new -- never even opened. ...Read more

Have I got a story for you, and when I say "you," I refer primarily to my readers who are having a difficult time understanding why I do not use a debit card. I am careful to always pay with a credit card when making a large purchase, when I order something online or put up a deposit for goods or services to be delivered in the future.

Several ...Read more

Today's topic is not pretty, but unless you have $8,000 earmarked for dental care, it could prevent a lot of pain -- both dental and financial.

Periodontal disease is an infection that destroys the attachment fibers and supporting bones that hold the teeth in the jawbone and the jawbone itself.

Bacteria get caught between the teeth and under ...Read more

It seems to me that nearly every household product has at some time decided it needed to become "concentrated." Concentrated detergent, concentrated cleaner, concentrated juice, even concentrated coffee. These days I'm half expecting concentrated throw pillows.

The promise is always the same: smaller bottle, bigger value. Less packaging, more ...Read more

Dear Mary: My husband says that it costs more to make ice in the freezer than to buy it in bags. I find that hard to believe. Do you know the answer? -- J.M.

Dear J.M.: Let's say a 10-pound bag of ice at the store costs $2. Two dollars' worth of water from your tap would be nearly 350 gallons at the U.S. average price of about 0.0058 cents per ...Read more

Your credit score is a three-digit number between 300 and 850, generated by a mathematical algorithm (a mostly secret formula) based on information in your credit report compared with information on tens of millions of other people. The resulting number is said to be a highly accurate prediction of how likely you are to pay your bills.

If it ...Read more

There's no doubt that credit cards are convenient. They're compact, easy to carry and work just about anywhere. And that's the problem. What seems like no big deal on a daily basis can add up to one whopping surprise at the end of the month.

In the event you have fallen into a mind-numbing "coma" that has you swiping the plastic with abandon, ...Read more

Every summer starts with good intentions: This will be the year we stay ahead of things. The year we don't waste food, lose track of sunscreen, or make six emergency grocery runs a week because nobody knows what's for dinner.

And then suddenly it's July, the refrigerator is full, the counters are cluttered, nobody can find the sunscreen, and ...Read more