5 08, 2018

Retire Debt Free: Eliminating Timeshare Fees Helps Your Financial Plans

By |2018-08-15T23:28:52+00:00August 5th, 2018|real estate|0 Comments

The timeshare industry is a multi-billion one. Fancy dinners in fancy hotels serve as the stage where agents sell annual vacations to couples financially independent singles. The promise of owning a piece of land one can call their “own spot in paradise” sounds enticing on paper but is very impractical in real life. This “everyone is doing it so it’s time to jump on the bandwagon” thinking is a great way to push the demand of timeshares. Unscrupulous salespeople bloat the cost of buying and exaggerate the benefits of owning a timeshare - they even go as far as telling prospective buyers [...]

2 08, 2018

Net Worth Update August 2018

By |2018-08-02T16:52:53+00:00August 2nd, 2018|Personal Situation|0 Comments

With another month in the books I get the pleasure of updating my net worth spreadsheet and then sharing how I have done month over month and year to date. Thoughts before I calculate my net worth: I usually have a feeling as to how I did with regard to my net worth.  I think this month is going to be a down month.  We had a couple of unexpected bills (my dog passing was $800 on credit card that I just was not expecting), and just overall The Wife and I have been spending a lot with my online income decreasing [...]

23 07, 2018

Sometimes to Save Money You Just Have to Ask

By |2018-07-23T23:06:29+00:00July 23rd, 2018|Personal Finance|1 Comment

After complaining about Fidelity a month or two ago, I decided to actually do something about my annoyance.  I decided to reach out to my broker who handles all my options trading, TD Ameritrade, and move a tiny traditional IRA over.  Did Fidelity care? Absolutely not, but I was annoyed and it was a relatively seamless transfer.  To move anything else away from Fidelity would be way too much of a hassle, and again, Fidelity wouldn't even notice or care!  It was during my phone call with TD that I was reminded about a very simple personal finance move that is often ignored, To Save Money [...]

18 07, 2018

You Shouldn’t Have a Professional Business with a Generic Email Address

By |2018-07-18T14:01:15+00:00July 18th, 2018|Random|1 Comment

I was dealing with another attorney the other day on a matter, and I was shocked when he gave me an email address that ended in @optonline.net (the old internet provider in the greater New York area).   As I am actively running one, I understand the restrictions of operating a one or two person law firm, but there is absolutely no excuse for you to have a generic email address like @optonline, @gmail,@verizon, or any other local carrier's domain. As soon as I thought about this I shot off a tweet about it, and as is the nature of twitter, I was [...]

17 07, 2018

July 2018 Dividend Watch List and Purchase

By |2018-07-17T14:48:12+00:00July 17th, 2018|Dividend Investment Portfolio|6 Comments

For the longest time I would create a watch list and then wait until the following month to write a post about which stock I bought and why.  After rethinking how I treat this account last week I am going to change it up going forward.  I never really waited between creating the watch list and making my purchase - I would write the post one night and then the next day buy my lot(s). My Screening Method for Under Valued Dividend Growth Stocks Earlier this year, I finished Tobias Carlisle's book, The Acquirer's Multiple, and decided to give the valuation method [...]