disclaimer-statement.info Time Machine: September 19, 2009

Many newer readers of disclaimer-statement.info haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, as well as the five best posts from two years ago this week. I call it … the Time Machine.

One Year Ago (September 13-19, 2008)
The Psychological and Emotional Attachment to What We Have and What We Want “I want this and I won’t be talked out of it.” It’s perhaps not exactly how we think, but the basic idea is familiar to all of us. Overcoming that – and being rational about it – is a big key to personal finance success.

Using TreasuryDirect for Conservative Investing TreasuryDirect is a fantastic service run by the United States government for investing in U.S. treasuries. Here’s how to utilize that service for conservative investing success.

The Least Important Bill What’s your least important bill? Why are you still paying it?

What a Frugality Expert Is – And Why I’m Not One I often get pointed at as being a “frugality expert” or a “personal finance expert.” I’m not either – I’m just an ordinary guy talking openly about my money journey.

Eight Tactics for Handling Greeting Card Occasions I don’t like sending mass-produced greeting cards, but I do like to recognize others at key moments in their life. Here’s how I navigate that dichotomy.

Two Years Ago (September 13-19, 2007)
Seven Pieces Of Financial Advice For A High School Student High schoolers are often taking their first steps into the real world. Here are some great tips for them so they don’t take poor steps starting out.

Teaching Yourself To Cook At Home: Ten Tips From My Kitchen To Yours Cooking at home is a tremendous way to save money, teach yourself skills, and eat healthier, all at once. It just takes the courage to get started.

There Are Two Guaranteed Ways To Improve Your Financial Situation … But Which Is Better? Earn more and spend less. Both serve to increase the “gap” between your spending and your earnings, which is what you need for financial success. But which is better?

How I Practice Voluntary Simplicity Voluntary simplicity basically means choosing to live a simpler lifestyle with fewer things to maintain and be responsible for. It gives you more free time and saves you significant money, too.

What Should Your Net Worth Be? Why “The Millionaire Next Door” Equation Falls Short – And What A Better Thumbnail Calculation Might Look Like Many “thumbnails” for net worth overestimate one’s net worth when they’re young and sometimes underestimate it when they’re older. Here are my thoughts on it, along with a better thumbnail calculation.

If you’d like to browse through more of the archives, visit the chronology, where all posts are listed in chronological order.

Nine Ways to Get More out of disclaimer-statement.info
This is kind of a FAQ for new readers and is posted each week along with the Time Machine. Here are nine great ways for new readers to dig deeper into disclaimer-statement.info.

1. Subscribe by email or RSS. Visiting disclaimer-statement.info’s website is great, but for many people, it’s more convenient to receive the articles in another form. It’s easy to join 60,000 other subscribers and or (if you’re unfamiliar with RSS, check out .

2. Comment. Each article on disclaimer-statement.info has lively discussion. Just click on the green square in the upper right of each article on the website and join in!

3. Read my story of financial meltdown and recovery. disclaimer-statement.info isn’t based on what I’ve read in books or learned in school. I’ve made a lifetime of financial mistakes – disclaimer-statement.info is a record of what works for me during the process of getting my life on a better track.

4. Download my free 49 page e-book. Everything You Ever Really Needed to Know About Personal Finance On Just One Page is completely free. It summarizes all of the key lessons I’ve learned along the way about personal finance in one tidy package – in fact, all of the main principles can be found right on the cover.

5. Follow me on Twitter – or other social networks. I post tons of interesting articles, quotes, follow-up material, commentary, and other material on Twitter. If you’re unfamiliar with , it’s essentially an open discussion forum for people to share ideas and thoughts with other like-minded folks – you just choose the people you want to listen to and their ideas and thoughts are all delivered to you on a single page.

I also participate on several other social networks. Feel free to check me out on (it’s where I collect links, from which I select the ones that appear in my weekly roundups), wakoopa (what software I use), (what books I’m reading), , and (which aggregates everything). I also have an irregularly-updated personal site, .

6. Dig through “31 Days to Fix Your Finances.” 31 Days to Fix Your Finances is an article series that outlines how you can get a grip on your finances over the course of a month.

7. Send me your questions and suggestions. Send me an email and let me know what you’re thinking, what you’d like to see, and any questions you might have. I try to respond to as many emails as possible and I read them all. I may even use your question in a future article!

8. Email a great article you find to a friend. Find an article that you think your friend would love? At the bottom of each article, you’ll find a link that says “Email this” – just click on that, type in your friend’s address, and send it right along to them!

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