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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.

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Spending

COVID-19 Price Gouging and How to Avoid It

May 18, 2020
By Brock Kernin
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Price gouging is the charging of an excessive amount for goods or services to a level considered unethical. People pay obscene prices when they feel they have no other choice. With the onset of the COVID-19, pandemic price gouging has occurred … [Read more...] about COVID-19 Price Gouging and How to Avoid It

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General

How Many Barnes and Noble Stores Are in the United States?

May 11, 2020
By Brock Kernin
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Book retail giant Barnes and Noble has the largest number of brick and mortar outlets in the United States with 627 as of March 7th, 2019. It is a Fortune 1000 company with yearly revenue of over $3.5 billion.  It seems like shoppers can find a … [Read more...] about How Many Barnes and Noble Stores Are in the United States?

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General

Inexpensive Entertainment While Quarantined

May 4, 2020
By Brock Kernin
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Millions of people are under a shelter in place order from their state government. My state has been under such an order for about six weeks now. We're getting restless to get out and do things, especially as the weather gets warmer. People are … [Read more...] about Inexpensive Entertainment While Quarantined

Bookstore aisle with shelves of books

Frugality

Does Barnes and Noble Price Match?

April 27, 2020
By Brock Kernin
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Price matching is a common practice in which retailers honor lower prices offered by competitors. It attracts customers, even if many of them never take advantage of it. Many mall-goers find Barnes and Noble an oasis to find something new to read … [Read more...] about Does Barnes and Noble Price Match?

Drive-in banking sign on a brick wall

Banking

Mobile Banking During the COVID-19 Pandemic

April 20, 2020
By Brock Kernin
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Due to the COVID-19 pandemic, experts suggest minimizing contact with other people. Bank transactions require money, checks and receipts to be passed between teller and customer, potentially exposing either one to the virus. Luckily, there are mobile … [Read more...] about Mobile Banking During the COVID-19 Pandemic

worst return policy

Spending

Return Policy Comparison: The Worst Five Retailers

April 13, 2020
By Brock Kernin
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Some retailers will let you return anything under any circumstances. I once purchased an artificial Christmas tree on sale from Walmart in December and returned it in July. I returned an unopened Aerobed to Costco a full year after I purchased it. … [Read more...] about Return Policy Comparison: The Worst Five Retailers

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Saving Money

Coronavirus Spending Changes

April 6, 2020
By Brock Kernin
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My state, much like virtually every other state in the US, is locked down due to the coronavirus. All non-essential business are closed, and people are told to stay home. This environment has caused major coronavirus spending changes. Here are … [Read more...] about Coronavirus Spending Changes

Steaming cup of coffee on a saucer with coffee beans

Saving Money

Best Costco Coffee and Walmart Price Comparison

March 31, 2020
By Brock Kernin
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A coffee drinker's need for a morning cup of caffeine is woven into the very fabric of our culture. Coffee isn't just a morning beverage, it's a way of life. T-shirts, mugs, and Facebook memes all poke fun at the lack of cognitive function available … [Read more...] about Best Costco Coffee and Walmart Price Comparison

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