Monthly Archives: April 2015


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 google search of "Average American Retirement Savings" brings up 1,200,000 results and a news search limited to the past month brings up hundreds upon hundreds of results.  Worst part about it? NONE OF THEM MATCH!  Just taking a few very recent examples: 10/22/2014 - US Today Middle-class people [...]

By |2016-03-07T22:49:45-04:00April 27th, 2015|Qualified/Retirement|6 Comments

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 change I bet the industry would look very different than it does today (my guess is that the industry would be a tiny portion of what it is today).  Working in the life insurance industry I am always interested in industry changes, so I got very excited [...]

By |2015-11-23T15:10:36-04:00April 20th, 2015|Life Insurance|0 Comments

I was Recently Blocked by a Terrible Business Idea on Twitter

I often take a moment to thank a new follower on Twitter and in doing so, I'll get the opportunity to check out a new business, blog or even a quick idea within a person's profile.  Approximately two weeks ago, I received a new follower, @GolverCard which led me to their site.  To put it simply, the company is going to provide you with a debit card that is backed by gold and silver (hence GolVer Card). According to the "How it Works Section of the Site" GolVerCard is a payment system linked to real gold & silver stored in your account. [...]

By |2016-02-22T13:47:26-04:00April 13th, 2015|Business|4 Comments

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 activity in March 2015. Dividend Investment Portfolio Activity in March 2015 On March 3 I sold: My small position in Bemis (BMS) - I only owned 18.597 shares of the company.  Looks like I bought my original 18 shares (the fractional shares were reinvested dividends) in November [...]

By |2015-08-15T15:17:11-04:00April 9th, 2015|Dividend Investment Portfolio|1 Comment

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 what I did a few years ago was create my spreadsheet and zeroed out the net worth so that just the gain is being published. Calculating my Net Worth My Assets My Cash Savings Accounts – I only really count my emergency savings since everything else is [...]

By |2015-09-28T11:05:57-04:00April 6th, 2015|Personal Situation|1 Comment