Author Archives: Evan

What Does Average Really Mean When it Comes to Retirement Savings?

Maybe it has to do with the aging population in the US, or maybe it has to do with the fact that I scan personal finance/investment headlines like most people check their email, but it seems to me that there is an obsession with discussing how woefully unprepared the average American is to retire.  A… Continue Reading

Life Insurance Companies are Starting to Use Big Data for Premium Discounts

For the most part, purchasing life insurance is pretty standard – you apply, the company will do a medical exam and then provide the insured/owner with terms and pricing for those terms.  If you take up smoking or heroine after your exam, your rates don’t change.  I always thought that was interesting, but if rates could… Continue Reading

Buying Investment Property: Create an LLC or Do Business as an Individual?

  According to a survey conducted for The Wall Street Journal, limited liability corporations (LLC) or trusts purchase over one-fourth of all properties valued at $5 million or more. Once the property value exceeds $10 million, LLCs purchase the property nearly 100 percent of the time. In addition to protecting the owner’s personal assets in… Continue Reading

April 2015 Value Dividend Growth Portfolio Watch List

Once a month I manually screen for undervalued stocks that have paid an increasing dividend for at least 20 years.  The “increasing dividend” requirement actually eliminates about 95% of all US stocks leaving me with only approximately 150 companies to start applying valuation metrics.  But, before looking at future investments, I want to highlight my… Continue Reading

April 2015 Net Worth Update

With the holidays I am about a week off with this post – the horror! At the beginning of each month I calculate the increase or decrease in my net worth month over month and year to date.  I am not comfortable putting the actual number out on the internet for all to see, so… Continue Reading