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Brock Kernin

Brock Kernin is a software engineer and personal finance writer who paid off more than $100,000 in credit card debt through disciplined budgeting and debt-management strategies. Drawing on that experience, his BA degree and years of practical writing, he contributes clear, actionable money guidance to CleverDude focused on everyday financial decisions, frugal living, and long-term stability.

Behavior

4 Ways To Avoid Upsell Overspending

February 22, 2021
By Brock Kernin
- Leave a Comment

Anytime you deal with a salesperson, you'll likely be subject to an upsell attempt.  The upsell is a sales pitch which attempts to get you to buy something more expensive than originally intended. The salesperson doesn't care about matching you … [Read more...] about 4 Ways To Avoid Upsell Overspending

Three bottles of craft beer on an outdoor table

Saving Money

Is Home Brewing Worth the Investment?

February 17, 2021
By Brock Kernin
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Walk into any liquor store and you'll find an endless number of commercially brewed beers. Dark, light, sour, mass produced and craft beers line the shelves at just about any price point. As an alternative, beer lovers can also brew their own beer at … [Read more...] about Is Home Brewing Worth the Investment?

Costco liquor prices compared to others.

Saving Money

How Costco Liquor Prices Compare to Sam’s Club

February 10, 2021
By Brock Kernin
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Costco is well known for its great prices, and their liquor store is no different. Costco liquor offers deeply discounted prices compared to local liquor store prices on both beer and hard alcohol. But Costco isn't the only discount warehouse that … [Read more...] about How Costco Liquor Prices Compare to Sam’s Club

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Technology

How to Use Machine Learning to Make Money

February 2, 2021
By Brock Kernin
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  The bleeding edge of technology always presents opportunities to make money.  One such hot technology topic right now is machine learning. If you can find a way to leverage it, you can learn how to use machine learning to make … [Read more...] about How to Use Machine Learning to Make Money

Costco Wholesale store sign on a building

Finances & Money

What You Need To Know About Costco Photo Center’s Closures

January 18, 2021
By Brock Kernin
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Costco members are about to have one less service available to them. As of February 14th, 2021, all in store Costco photo centers will close for good. Some have already closed. News regarding Costco Photo Center’s Closure was announced on the Costco … [Read more...] about What You Need To Know About Costco Photo Center’s Closures

Smartphone home screen with app icons

Technology

How Often Should I Replace My Cell Phone?

January 12, 2021
By Brock Kernin
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We all know people who buy the new Android or iPhone as soon as it's released. Some need to have the latest technology while others buy it as a new (very expensive) toy. But how often should you consider cell phone replacement? A multitude of … [Read more...] about How Often Should I Replace My Cell Phone?

Finances & Money

Why Doesn’t Costco Do Tire Alignments?

December 28, 2020
By Brock Kernin
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Costco seems to have just about everything a consumer would want. Food, appliances, computers, a pharmacy and even automotive services. Walking past the automotive center on a recent trip to Costco, I heard another customer discussing what kind of … [Read more...] about Why Doesn’t Costco Do Tire Alignments?

Hand holding a fan of credit cards

Credit

Consequences of Ignoring Credit Card Debt

December 21, 2020
By Brock Kernin
- Leave a Comment

  The consequences of ignoring credit card debt can be life-changing. It's easy to rack up a large amount of credit card debt and one might wonder what would happen if they just stopped making payments. Unfortunately, the result may be … [Read more...] about Consequences of Ignoring Credit Card Debt

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