Refinance Roadblocks

What do you do when the universe appears to be against all attempts to complete a goal?  Perfect credit, spotless payment record, and 12 years at the same job (proof of ability to pay,) and I never imagined it’d be so impossible to take advantage of the record low interest rates.  But after 2 failedContinue Reading

Analyzing the Prepayments on One of My Student Loans

As I made my monthly payment the other day on one of my student loans I wondered how much I have saved in interest over the years by adding to the principal some months.  Since the lender didn’t provide me with that information I almost looked at it as a challenge to see whether IContinue Reading

Keeping Myself Accountable to my Football Endeavors

If you follow me on twitter you’ll randomly see pictures from me playing cards or going into a casino.  I really enjoy gambling.  That being said, I don’t ever spend all that much doing so…I get a sick feeling in my stomach knowing that one hand, one roll, etc cost me too much (Side note:Continue Reading

Why I Purchased Whole Life Insurance on My Child and Why I think EVERYONE Should Consider Doing So

When Jeff Rose asked me to partake in his Life Insurance Movement I cringed and ignored it at first glance.  I disagree with 97% of bloggers and personal finance when it comes to life insurance.  I believe that when it comes to life insurance the majority of people simply regurgitate so-called experts as opposed toContinue Reading

Increasing My Annual Income 10%

Do you know how much your annual income increases each year? Does it even matter?  For me, knowing that bit of information is a pivotal aspect of my financial success.  Knowing how much you made one year compared to the previous can help you quickly gauge if you’re properly handling your money.  If you earnedContinue Reading

A Covered Call Traditional IRA Update–The Great, The Good and The Bad

After years of largely ignoring my small traditional IRA I decided in March of this year it was about time to try out a covered call investment strategy I had thought about for a long time. The plan was to find undervalued equities with a market cap of at least $200 Million, a positive P/E,Continue Reading