Deciding whether to rent or buy is a big decision that requires serious “Where am I now?” and “Where am I going?” sorts of questions. It might be best to keep renting if you want to maintain maximum flexibility for personal or professional reasons, or if jumping into more debt right now takes you out of your comfort zone. Maybe you’re just not ready to face the responsibilities of homeownership: repairs, upgrades, maintenance, yard work and all the rest. Even thinking about the difference between cleaning an 800-square-foot apartment and a 2,400-square-foot house can make you want to take a seat and a deep breath. Your local housing market could be working against you, as well. If you live in a hot market with eager house hunters chasing too few properties, it might be best to bide your time until a better buying opportunity presents itself.

Should you rent or buy a home? Use our simple rent vs buy calculator to find out which option is best for you.

A handy guide to financial support for open source. This document aims to provide an exhaustive list of all the ways that people get paid for open source work. Hopefully, projects and contributors will find this helpful in figuring out the best options for them.

The point isn’t that all the boilerplate should be inherently unenforceable. Most of it is pretty benign. “This is the address to which you should address your billing dispute.” “We really can’t promise that our network is so robust you can run a hospital or nuclear submarine on it. So please don’t try.” “In case for some reason you were confused, the trademark ‘Verizon’ is not yours, even though it’s stamped on your phone.” But sometimes there’s something nasty in there. Forced arbitration clauses. Class action waivers. Undisclosed charges (or whatever it is that makes AT&T think it can just tack on a few dollars in extra charges every month to pad its bottom line). There’s really nothing an individual consumer can do about any of this. Anyway, two points. 1. The Consumer Financial Protectin Bureau is really important to curb the worst of these abuses. 2. Let’s not blame people for “agreeing” to things that they didn’t actually agree to in any meaningful way.

Bitcoins appear, for the moment, at least, to be immune to the machinations of inept or crooked bankers and politicians…

Has the debate over breaking up the banks that were too big to fail, save for a change of heart by the former chairman of Citigroup, Sanford I. Weill, really changed or picked up steam as a result of Occupy Wall Street? No. Have any new regulations for banks or businesses been enacted as a result of Occupy Wall Street? No. Has there been any new meaningful push to put Wall Street executives behind bars as a result of Occupy Wall Street? No. And even on the issues of economic inequality and upward mobility — perhaps Occupy Wall Street’s strongest themes — has the movement changed the debate over executive compensation or education reform? It is not even a close call.

‘Nobody wants a recession. Nobody wants historically high poverty rates and unemployment rates. Curiously, it’s the Occupy Wall Street folks who are most passionate about making whatever changes are necessary to ensure the next recession doesn’t happen. The financial industry, on the other hand, is fighting any effort at common-sense regulation tooth and nail.’

‘Financial struggles are isolating. We don’t talk about them—so we don’t realize how universal they are. And because we careful ignore them, we don’t give them a high priority. We worry about airport security. Or a celebrity scandal. Or something Newt Gingrich (who’s still there) said. We don’t communally address the problems that may be most important to us.’

An International Monetary Fund veteran explains how the US financial situation is like that of a less-powerful nation's developing economy. Oligarchy, corruption, and the financial sector's control of the government — it's not good.

On the universal love for Jay-Z and his history as an authentic brand.

A great collection of neutral articles about the facts and possible effects of candidates' proposed tax plans.

"Steve Jobs gives a legendary keynote at Macworld SF every January, launching products and giving a state of the union view of things at Apple. What if you invested $10,000 the day before the keynote, then sold at the end of the keynote day?"

It takes time and a lot of guts, but you'll save money. "It really works... but it works only if you truly are willing to walk away... and then refuse to bend when they try to put you off or change the terms. Stay civil, do not let any emotion in."

By lowest APR.

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Neat. A lot about Craig's decision not to monetize, etc.