Actionable, intelligent, and witty personal finance insights and reflections from the corner office
The question implies that the stock market has run up for too long and is bound to go down sharply. Stocks ultimately go up do to two major forces: Supply/demand pressures. Will demand let up? I don’t see a reduction in that any time soon given continued buy backs by companies, strong corporate growth, and... Continue Reading →
Oy - I Just Need More Money Then X is Easier As I shared in my blog post Cash Flow Faucets - Your Paycheck - Lessons in Life Management - our family goal is always to have all faucets off to restrict my cash flow and force my family to live off less. What this... Continue Reading →
Debt I have it and you likely have it to. Managing your debt load on your personal finances is something that always should receive attention to minimize your interest paid as well as risk of getting into serious financial trouble. This post summarizes some things I have learned over time a out managing our family's... Continue Reading →
I Have Some Extra Cash but... 2%.. eh? Ok so you are in a spot to have extra cash to put into Emergency Funds or stash for a bit but you are unimpressed with the yield. What's the best way to, relatively, safely increase the yield? The age old answer lies in... Diversification. Likely no... Continue Reading →
What to Do With That Surge of Cash? It's that time of year again where a lot of people will be getting Tax Refunds and/or Bonuses from the prior year. When a lump sum comes in - you should be doing something smart with it. This post shares some simple spreadsheets that help cut through... Continue Reading →
I Did My Taxes! As I have long advocated in personal circles as well as on this site - I overwithhold my taxes. As a result - I file my taxes ASAP once I have all of my documents in hand... I'll admit over the holiday break I download the software ahead of time and... Continue Reading →
And I'm Back... I was posting at least once a week throughout the end of 2018 but took a month off in January.... work was just a bit too crazy! I'll be back in action with at least a post per week moving forward. Reflections on Blogging for the First Year: Setting up the blog... Continue Reading →
Eyes Wide Open Your parents and teachers probably told you not to compare yourself to others but I find it VERY helpful to learn from others - especially debt and savings statistics. As you might expect when you look at averages - almost everyone is up to their eyeballs in debt and has no savings.... Continue Reading →
Some Basic Explanations I often forget how some obvious concepts in my head are quite foreign to other people.... this hit me this weekend when my Hipster Barber acknowledged he knew nothing about stocks and bonds but should given the (correct) perceived need to save and invest for retirement. The below is what I told... Continue Reading →
It's All About Mindset As I talk to multiple people at work and in my neighborhood and read various blogs it constantly occurs to me that everyone seems to pride themselves on backward looking personal finance insights. I find all of this to be short sited and also a constant struggle I have with my... Continue Reading →
Sometimes it's hard to let go This post will walk through the economic concept of sunk cost and how it should impact your decision making process. Not everyone has heard of this financial term but everyone has likely dealt with the topic. A Formal Definiton Sunk cost is a cost that has already been incurred... Continue Reading →
Self Reflection, Plan, and Then Action This post will walk though advice on how to control your Finance Brain that I have picked up over the years. After countless hallway conversations at work, my best advice to control your Finance Brain circles back to: realization your brain isn't a calculator, slow down, self reflection and... Continue Reading →
Money Advice From the Rich Guys at Work I get in conversations at work with Rich Guys and often at work and this adage came up: $5 will always be worth $5 or 5 cents will always be 5 cents. But Wait... So of course my finance brain jumped to - "that's not true" -... Continue Reading →
As Easy And Fast As It Gets This blog will walk through how to make easy money off credit card sign up bonus offers if you qualify for them from the credit card companies. This is one of the easiest ways to make money or side hustle as long as you can manage your temptation... Continue Reading →
Bonds As you read a lot of investment and personal finance advice on what to invest in - the sentiment is heavily skewed to stocks or equities. The reality is that almost everyone should have some bond exposure and bonds are one of the best income generators. This post is going to walk through all... Continue Reading →
I am not a big pod cast or video guy as I like to read more about financial topics but as I see videos or content that made me stop and think for a bit I am passing them along. I don't agree with everything Jeff Galloway shares in this presentation but this video helped... Continue Reading →
As Easy As It Gets This blog will walk through how to make easy money off 0% credit card offers if you qualify for them from the credit card companies. This is one of the easiest ways to make money or side hustle as long as you can manage your temptation to not misuse the... Continue Reading →
Valuation This post will focus on boiling down the concept of valuation into actionable advice. If you are planning on investing at all you should have a high level understanding of the following concepts and how they relate to stocks, bonds, real estate, and other investment vehicles. My Background I have worked in a Corporate... Continue Reading →
Food is Our Number One Cost Driver This post will share with you my cheap healthy at home meals that don't involve ramen noodles. Food is our family's number one cost driver outside of my wife's fun money (which happens to include all clothes for the kids) so I constantly challenge it. This is my... Continue Reading →
Food is Our Number One Cost Driver This post will share with you our free food hacks and the results of us eating out 100% of the time. This is the first post of two diving into our desire to pull down our food budget. Food is our family's number one cost driver outside of... Continue Reading →
The Most Powerful Retirement and Day to Day Account The Health Savings Account (HSA), its related tax breaks, and ability to take distributions as needed make this one of the most powerful retirement and day to day savings accounts. It is often spoken about very little as an awesome tool in personal finance circles and... Continue Reading →
A Recap This post covers September. There were a few positive things this month and a few negatives..... unfortunately mostly negative. On the negative front I received a 30 day suspension on my Google AdSense account which was my primary income driver as I clicked on a few of my adds for testing and frankly... Continue Reading →
So I Took an Unplanned Month Off As you may or may not have noticed I took a pause on posting in September but I have a monster end of year of push of posts planned - every other day for the foreseeable future! What Happened First off, life happened - I got the blog... Continue Reading →
How To Start a Blog or eCommerce Website And be Up and Running in Less Than an Hour This post will walk you through how to get a blog or eCommerce site up and running in less than an hour easily. I also have added in some other commentary below that was helpful on my... Continue Reading →
A Recap This post covers July and August together as it took me about 2 months to get the blog into full swing. Step 1: Where I Hosted I did a lot of research and boiled down my hosting options to godaddy.com; wordpress.com, and Bluehost.com. Given the desire to monetize - WordPress.com was dropped (they... Continue Reading →
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