The latest bits…

A photo by Redd Angelo.

What kind of investor are you?

August 16, 2016 0

What kind of investor are you? In the broadest sense, there are three types of investors. According to Morgan Housell, a writer at The Motley Fool, ten percent of investors don’t need help – they get it naturally. Ten percent of investors can’t be helped – they’re compulsive gamblers. Eighty […keep reading]


How to fly on a private jet with prices anyone can afford

July 26, 2016 0

Can you imagine flying in a private jet? How about flying in a private jet from Los Angeles to San Francisco or Las Vegas for about $100. Affordable private jet travel? It’s the wave of the future. And apparently, the future is now. Usually, I am the last person to suggest spending more money […keep reading]

home refinance

How to save $50,000 by refinancing your mortgage

July 24, 2016 0

Interest rates on mortgages have declined again. Is this a good time to refinance your mortgage? What if I told you that you could save $50,000 simply by refinancing your loan. There is a general rule of thumb. If the interest rate drops by one percent or more, you can […keep reading]

BLU R1 HD - 16 GB

$50 Phone and discounted books

July 24, 2016 0

The news was leaked that the latest iPhone (version 7) will be released sometime during the week of September 12th. Undoubtedly, this phone will cost upwards of $600. What if I told you that you can get a new phone for about $50. There is a very reasonable Android 6.0 […keep reading]

Fidelity Investments

Race to the bottom: Fidelity lowers its fees

July 11, 2016 0

Fidelity and Vanguard seem to be having a race to the bottom. Each keeps lowering their fees on index funds. Recently, Fidelity lowered its fees on 27 index funds and ETFs. Fidelity, which already had some of the lowest fees in the industry just lowered the fees that you pay […keep reading]


How to get cheap phones

June 29, 2016 0

Looking for a cheap phone? Wileyfox, a British smartphone maker, has released its latest device – an £89.99 ($120) phone it hopes will beat the big players on price and value. Here’s a review of this phone. Speaking of phones, Amazon is now offering completely unlocked Android phones at discount prices. […keep reading]


What should you do now after Brexit?

June 26, 2016 0

By now, I’m sure you’ve heard that the UK has voted to exit the European Union. The stock market reacted negatively. What should you do? The stock market hates uncertainty. When issues are unresolved or things don’t go as expected, the stock market gets skittish and prices decline. The Brexit […keep reading]

from zero to hero

How to Go From Zero to Hero

June 20, 2016 0

Investing takes patience. You invest your money. You wait a while. Not much happens. You might gain a little, you might lose a little. After several years, you might start seeing an upward movement in your portfolio’s value. If you wait long enough, the gains clearly take center stage. You will amass […keep reading]

A Penny Saved is A Dollar Earned

A Penny Saved is A Dollar Earned

June 14, 2016 0

You know the old adage, a penny saved is a penny earning. I think you can do a lot better than that. Without any real effort, that penny can grow to become a dollar. Now imagine doing that with thousands of dollars. Anyone can do this. There is not a […keep reading]

how the economy works

Every one of us needs to know how the economy works

June 12, 2016 0

Few among us are interested in the machinations of the economy. In the same way that I believe that personal finance should be taught in high school, I believe that everyone should watch this video. Ray Dalio, founder of the world’s biggest hedge fund firm, Bridgewater Associates, has created a simple but […keep reading]


T-Mobile Get More… Shares of the Company

June 9, 2016 0

You’ve probably seen promotions where you invite a friend and get paid — DirecTV you offers $100 for every new subscriber that you bring to the company — T-Mobile is offering shares of stock, not only for new people you bring on, but for every subscriber. On Tuesday, T-Mobile introduced […keep reading]


These jobs makes the world a better place

May 26, 2016 0

If you are looking to make a difference in the world, you likely need to get a degree in one of the STEM programs. The list below shows the top 15 careers for PhD degree holders and the percent of graduates who believe that they are making the world a […keep reading]


Thursday links… what not to buy this summer

May 26, 2016 0

What Not to Buy this Summer – You might be familiar with surge pricing from services like Uber and Lyft. You know what I’m talking about; you pay more for services at particular times / days / locations than you would otherwise. The same holds true for other services. Disneyland […keep reading]


Look what Millennials are interested in

May 25, 2016 0

A new report from LendingTree indicates that Millennials are interested in buying cars. For a few years, it seems that this generation had less of an interest in owning cars, or even driving, than their predecessors did. A close friend’s son is graduating from junior college this year and has been […keep reading]


Forced into early retirement unexpectedly? Now what?

May 24, 2016 0

There may be many job opening today, but simultaneously people are being forced into early retirement. They aren’t necessarily looking to retire early, but unemployment when you are in your 50s can quickly become permanent. Are you prepared if this happens to you? More than 45 percent of those people aged 55 and […keep reading]


Tuesday links – Amazon no longer price matching… except TVs

May 24, 2016 0

Amazon is no longer price matching – Tech Crunch reports that Amazon has quietly ended its price protection policy on all products except for televisions. The change to the company’s policy comes at a time when a handful of startups have launched to help consumers automate the process of requesting refunds when prices change […keep reading]


Monday links – People trade way to often

May 22, 2016 0

People trade too often – The more you trade, the worse off most of us are. Remember, Buffett is building a simple portfolio of 90% S&P 500 and 10% short-term T-bills for his wife upon his demise. The following graph shows a general view of our trading performance: Top 10 […keep reading]


3 basic financial questions that surprisingly stump most Americans

May 22, 2016 0

Try this financial literacy quiz designed by economists from Wharton and George Washington. These economists have been offering up this 3-question quiz (dubbed the “Big Three”) for years. To get an understanding of how woefully uneducated the masses are when it comes to money, these economists have been asking these three basic […keep reading]

hazmat suits

Do you suffer from this “toxic combination?”

May 16, 2016 0

I have often questioned whether individuals need a financial adviser. While most people are intimidated by investing in the stock market, for most of us, the process is rather straightforward. However, researchers at the University of Missouri and the Texas Tech University suggest that as we age, the need for […keep reading]


Q & A Borrowing from my 401(k)

May 14, 2016 0

Q: Can I tap into my 401k if I’m still currently employed by the same company? A: Many companies allow you to borrow from your 401(k) account, but that’s usually limited to hardship or down payment for a first time home buyer. Regardless, if you do borrow from your 401(k), you […keep reading]


Friday Links 05.13.16

May 13, 2016 0

No trixadexaphobia here…. we love Friday the 13th! Have no fear, here are today’s links. Don’t you hate seeing “out for delivery” on your packages. You know, that final step when your package is on the truck and you have to periodically check outside your front door to see if […keep reading]


Q&A: Annuities and Tax Returns

May 13, 2016 0

Question: Could I please get your advice on a fixed annuity that I currently own. It is out of the penalty period and earning 1.7% but could go down to a minimum of 1.5%. The advisor who sold it to me now wants me to roll it over to a […keep reading]


Who Buys 36 Rolls of Toilet Paper?

May 13, 2016 0

An article today in Atlantic entitled, The Privilege of Buying 36 Rolls of Toilet Paper at Once, looks at who buys in bulk, on sale. When I read this title, my thought is they might as well have been named Who Shops at Costco?. Their research found that most shoppers who buy toilet […keep reading]

gboard for iphone

Thursday links 05.12.16

May 12, 2016 0

iPhone users—this one’s for you. Meet Gboard, a new app for your iPhone that lets you search and send information, GIFs, emojis and more, right from your keyboard. Other bits from around the Internet: The government is doing a lousy job protecting your Social Security number Whether you like your […keep reading]


US Consumption in Real Time

May 12, 2016 0

Watch what U.S. citizens eat, drink, buy and spend


Wednesday links 05.11.16

May 11, 2016 0

Senators Tell Airlines: Drop Checked Bag Fees To Speed Up Airport Security California Bar Uses Dynamic Pricing To Sell Shots Of Tequila I’m 82 years old – Should I pay off my debt Google Bans Payday Loan Ads In Search Results Two Years After “Gloom and Doom” in real estate I maxed out […keep reading]

golf at sunset

Will You Be Able to Retire?

May 11, 2016 1

Too few Americans have enough money saved for their retirement. Nearly two-thirds of all Americans have $1,000 or cash and investments in total. Those people will either have to work their entire lives to make ends meet or they’ll have to subsist on whatever Social Security provides them with. How […keep reading]


The 5 Biggest Myths about Investing

May 10, 2016 0

The stock market is one of the best ways for everyone to amass wealth. Here are five myths about investing in the stock market and how you can overcome them. Let’s debunk these myths and start you on your road to becoming wealthy, perhaps even reaching millionaire status. I’ll Start Investing […keep reading]

visa marvel guardians of the galaxy 1

Credit Cards and Super Heroes Teaching You Money Management?!

May 8, 2016 0

Everybody needs money management skills. It’s likely that you didn’t receive any formal money management training when you were in school. Your kids will probably graduate high school without having taken any such classes either. People are growing up, and entering the workforce, without having even the most rudimentary understanding of how […keep reading]

New Release

In Praise of…

“This book is one that I want to keep handy as a reference when working through decisions about investment.” - Snik

“I'm a private investor and people have asked me what book I'd recommend to understand the basics of retirement investing. I'd recommend "Investing For The Rest Of Us" to those who want to take the next step in investing.” - Michael Sandrik

"The author used simple language, tables and charts and nicely explained the concepts. The examples will blow you away." - RPV (Amazon Top 100 Reviewer)

“This book does not pretend to be a strike it rich approach to investing, but rather a proven, consistent approach to realize good returns over the long term. ” - ADAM K SPINDELL