Monthly Archives: October 2015


Saving for a Better Future

If you start out with the aim of saving for a better future by retiring at a certain age then you need to be in control of your finances. While it is not a perfect science because of the fluctuations in growth rates you can at least make some assumptions about what you will need to have in place and therefore how you should go about building up your fund. Social Security will of course contribute but you have to be aware that it faces an uncertain future. Estimates suggest without a major influx of money benefits will fall by up to [...]

By | 2015-12-26T14:05:58+00:00 October 27th, 2015|Qualified/Retirement|0 Comments

It Feels Like I Will Never Be Able to Refinance

I documented the process I went through when selling my first home and buying our current home, but I didn't really think about one aspect of the transaction until recently.  Some background first, I bought my house in January of 2013 for $485,000 with 20% down and a 3.375% 30 year fixed.  I am well aware that with regards to the interest rate I hit a home run.  You may have to zoom in but whether we are looking at recent history (past 5 years) or long term (past 35 years) I bought at a damn good time with regards to the [...]

By | 2016-01-05T14:43:24+00:00 October 26th, 2015|Personal Finance|2 Comments

October 2015 Undervalued Dividend Growth Watch List

For the past few years it has been my goal to purchase undervalued stocks that have been paying a growing dividend for the past 20 years.  I use a number of metrics described in detail below.  The main reason I write and share these posts to keep myself accountable to the long term growth and build up of this account. Dividend Investment Portfolio Activity in September 2015 In September I purchased: 5 Shares of ACE at a price of $100.21/share. At the time of purchase ACE has a P/E of 11.5, Operating margin of 18.8% (vs 14.9% in industry), a P/B of [...]

By | 2016-01-05T14:37:52+00:00 October 15th, 2015|Dividend Investment Portfolio|2 Comments

10 Surefire Ways to Save Money On Your Utility Bills

If there is one thing that most of us can agree on it is that our utility bills are far too expensive. And, unlike almost every other expense in our lives, it often feels like there isn’t anything that we can do to bring these costs down. We need power. We need water. Heck, in the 21st century we even need internet and smartphones (though many insist this isn’t true). That does not mean, however, that we need to resign ourselves to sending most of our paychecks to the utility companies. Here are ten things you can do to bring these costs [...]

By | 2016-10-25T14:00:19+00:00 October 14th, 2015|Personal Finance|0 Comments

The Pros and Cons of Calculating Your Net Worth

A net worth statement is the cornerstone of your personal finance world.  It provides the real world results associated with trying to spend less than you earn and invest the difference.  It allows you to see the real life application of long term investing.  It allows you to quantify how much you should be freaking out about outstanding debt.  It wasn't until January 2011 I started tracking and sharing my net worth - 3 years after I started this blog!  Like anything in life there are pros and cons associated with tracking your net worth.  While, I personally think the positives out [...]

By | 2016-01-11T13:46:30+00:00 October 13th, 2015|Personal Finance|0 Comments