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David Bakke
David started his own personal finance blog, YourFinances101, in June of 2009 and published his first book on ways to save more and spend less called "Don't Be A Mule..." Since then he has been a regular contributor for Money Crashers. He lives just outside Atlanta, GA and most all of his free time is taken up by his amazing three year old son, Nicholas.

Personal Finance Round-up: School’s Out–Family Vacation Time!

By Money Crashers

School should be out in just about all parts of the country by now. So, for us parents, that means finding activites and so forth to occupy our children for the next three months. And high on that list of options is a family vacation. For those of us on a budget (and who isn’t if you’re a parent), cost is definitely a factor when planning a family vacation. But an article I read recently over at Help Me Travel Cheap raises the question: Should you take your own car on your family vacation or consider renting? My first reaction would be to take your own car all the way, but after reading this article, I almost became convinced that renting might be the better alternative. Check it out and make your own call.

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Is Buying An Extended Warranty Ever A Good Idea?

By David Bakke

never buy extneded warranty for laptopI have long been of the belief that extended warranties offered on any product are an absolute waste of money.  The benefit that you get out of them is usually zero, and most companies know that.  For the majority of all products which generally have this extended warranty, their average lifespan far outweighs the short time of these extended warranties. On a side note, I am the type of person that likes to buy a brand new electronic (whether it is a laptop, flat screen TV or something else) and keep it for a long time.  So if there were ever a person that an extended warranty was designed for, it would be me.

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Minimizing Expenses: It’s Not What You Know, It’s Who You Know

By David Bakke

not what you know, but who you knowLet’s say for a moment that you were an expert in the following areas: computer repair, auto repair, insurance, mortgages, purchasing electronics, credit cards and your credit score.
If that were the case, wouldn’t life be sweet?  You could fix your computer for free, you’d never have to take your car into the shop, you would always know that you were getting the best rates on all types of insurance, you would know that you had the best mortgage available, you’d get the best prices on the electronics you buy, and so on.  All without ever having to enlist the services of a paid professional.

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Money Myths: The More You Make, The More You Spend

By David Bakke

spend up to your level of incomeI remember my days back when I was about 7 or 8 years old.  I started my own business, so to speak, cutting grass in the neighborhood. I had just finished cutting a neighbor’s grass, and life was just grand.  There was the smell of fresh cut grass in the air (what could ever be wrong with that?) and I had a fresh $3 in my pocket.  Yes, back in those days, my going rate was the whopping sum of $3 per yard.  It took me about an hour per yard.  And that $3 in my pocket made me about the happiest kid on the block.

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