Crypto & Markets

What moved, what it means, and what to do about it — without the hype or the doom.

Your Will Doesn't Control Most of Your Money

Beneficiary forms, powers of attorney and a trust you actually funded do more work than the document in your safe. Here's how each piece fits.

$Run the refinance break-even math before you call a lender$

GuideReal EstateRay Okonkwo23 Sept 20266 min

Run the refinance break-even math before you call a lender

Closing costs divided by monthly savings is the number everybody quotes, and it's usually wrong. The honest version takes ten minutes and a calculator.

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Rewrite my CV so it actually gets read

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GuideSkillsWes Dunbar23 Sept 20266 min

Sharpen a kitchen knife on a whetstone without guessing

A dull knife slides off an onion and into your thumb. Twenty minutes, one stone, and the burr tells you when you're done.

Coconut.com — Tell us when. We find where the sun is.

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Retirement6 min read

How Much to Help the Grandkids Without Wrecking Your Own Plan

Two days a week turns into five. Set the number, the hours and the answer before the ask comes, and you'll still be the fun grandparent.

Poll

Where does your phone charge overnight?

GuideReal EstateRay Okonkwo23 Sept 20266 min

The HOA Documents to Read Before You Sign Anything

The resale packet lands as a 200-page PDF and you've got a few days to read it. Skip the wrong page and you inherit somebody else's roof bill.

GuideSkillsCal Brennan23 Sept 20266 min

CPR and choking rescue, in the order it actually happens

Compressions, breaths, the AED, and what changes for a kid or a baby — the whole sequence, plus the part everybody gets wrong at the table.

GermProof.com — An invisible germ barrier on your skin for hours

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GuideRetirementRay Okonkwo23 Sept 20266 min

Long-term care is the bill most retirement plans ignore

Medicare won't pay for the help you're most likely to need. Four ways families cover it, and the paperwork that matters more than the money.

Quiz

Does your wardrobe actually fit you?

Five questions, honestly answered, and a plan for the next fortnight.

GuideReal EstateRay Okonkwo23 Sept 20266 min

Buy The Access And The Water, Not The View

Raw land looks simple until the gate gets locked, the well comes up dry and the county says no. Do the checks in this order.

GuideMoneyRay Okonkwo23 Sept 20265 min

Run the monthly money check in forty-five minutes

Same day, same order, same folder. Statements, bills, transfers, goals, plus one annual job you rotate in so nothing ambushes you in March.

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Give me something to do with my kids this weekend

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GuideRetirementRay Okonkwo23 Sept 20266 min

What to Ask Before You Sign an Annuity Contract

The dinner is free, the brochure is glossy, and the contract is ninety pages. Nine questions that tell you what you're actually buying.

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Who Gets Paid At The Closing Table And What They Actually Do

Title search, escrow, the settlement statement and the wire. A plain-English walk through the last three weeks of a home purchase.

Poll

What was your first ever job?

GuideSide HustlesWes Dunbar23 Sept 20266 min

Sharpening Blades for the Neighborhood Without Ruining Anybody's Knives

Mower blades, kitchen knives and chainsaw chains pay real money on a Saturday, but only if you batch the work and know what to turn away.

GuideRetirementRay Okonkwo23 Sept 20266 min

The Beneficiary Form Beats Your Will Every Time

A one-page form you filled out years ago decides who gets your retirement money, and most people have never looked at it since.

Delicious.com — Nine thousand recipes and a plan for tonight

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Scout The Small Town Before You Sell The House

Rent first, visit in the ugly month, read the county minutes, and price the insurance before you fall in love with the porch.

Quiz

Is your money actually in order?

Six questions. No email required, no sales pitch at the end.

Side Hustles6 min

What Sells at the Farmers Market and What Just Sits There

Retirement5 min

What Goes Away From Your Budget At Retirement, And What Grows

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Plan a cook for eight people

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Selling your house yourself and what it really costs you

For-sale-by-owner can keep real money in your pocket, but only if you know which half of the commission you're actually saving and which jobs land on you.