21 09, 2017

Is Gambling Online a Viable Way to Make an Extra Buck?

By | 2017-10-09T09:05:56+00:00 September 21st, 2017|Personal Situation|2 Comments

For years, online gambling in the United States was out of the question. Even though, in the early 2000s, the US was one of the biggest markets for online poker and casino operators, a federal law signed in 2006 by George W. Bush put an end to this situation instantly. Since then, US citizens were only able to play online casino games and online poker at brave offshore operators in a legal gray zone, with little to no hopes to do the same legally. Things changed, though, when a DoJ opinion put it into the individual states' hands to regulate or ban [...]

20 09, 2017

Reviewing My Life Insurance Policies

By | 2017-09-19T23:19:54+00:00 September 20th, 2017|Insurance|2 Comments

It has been almost exactly two years since I reviewed my life insurance policies.  I am not sure what it is about September which makes me think about the topic, but it seems that almost every 2 years I take a look at the topic. My Family's Life Insurance Policies I think it is important to understand and learn about the different types of life insurance policies.  I may be one of the few personal finance bloggers with permanent coverage (or at least one of the few that admit it) but these cash value policies are a part of my financial picture [...]

15 09, 2017

How to Reduce Personal Debt

By | 2017-09-15T18:11:08+00:00 September 15th, 2017|Debt|2 Comments

If you are drowning in credit card debt, have payday loan balances or are struggling to pay off personal loans, it may be time to start thinking of ways to reduce what you owe. The good news is that there are many ways in which you can reduce outstanding balances and increase your level of financial security. In many cases, your creditors will work with you to relieve some or all of your debt burden. Consolidate Credit Card Balances Transferring all of your current credit card balances to a new card with 0 percent interest can reduce your monthly payments. Furthermore, you [...]

14 09, 2017

What is the Debt Snowball and Creating a Spreadsheet to Implement It

By | 2017-09-14T14:48:51+00:00 September 14th, 2017|Uncategorized|2 Comments

When I first started this blog, it's main goal was to keep me accountable especially with regards to erasing the debt that had crept into my life.  I felt the blog would keep me accountable while I shared my monthly updates of debt reduction.  Fast forward a few years and debt eradication just isn't a huge part of my life anymore (thankfully).  Notwithstanding, I had an interesting conversation with a co-worker and it inspired me to revisit the idea of a debt snowball as a way to pay down debt. Steps Needed Before You Build Your Debt Repayment Plan This may seem obvious to [...]

6 09, 2017

September 2017 Undervalued Dividend Growth Watch List

By | 2017-09-22T13:24:32+00:00 September 6th, 2017|Dividend Investment Portfolio|4 Comments

After years and years of screening for, and writing about, possibly undervalued dividend growth stocks I had to take a break earlier this year.  Well, after a six month hiatus I am back!  My goal is the same, it is to buy $500 to $1,000 worth of one or two companies per month, every month.  The company will have increased its dividend every year for 20 years or more years and hopefully will be undervalued at least to its peers. My Screening Metrics In an attempt to find undervalued, unloved companies I use certain metrics which are defined below.  First and foremost, [...]