If you’ve been following this blog, you know how much I love a good deal. So when I finally decided to upgrade my iPhone 4 to a Samsung Galaxy S3, I remembered a tip that Amazon wireless has no sales tax on smart phones. If you’ve ever bought one of these suckers, you know how […]
Investing in I Bonds: An Intro to I Bonds for Young Investors
For an update on I bonds rates as of(10/18/12), please see: November 2012 I bonds rates are announced: 1.76%. Believe it or not, the money in your savings and checking accounts is actually losing money. It doesn’t even matter what bank you have. Whether you bank online, or brick and mortar; they’re all losing […]
Guest Post: Intelligent Deductions, Why is the US Government Giving Tax Breaks to People Who Don’t Need Them?
The following article is a guest post by Justin Gordon. If interested in submitting a guest post, please ready my guest posting policy and then contact me.. Justin is a recent graduate of Temple University School of Law and majored in Political Science at USC. The United States’ federal income tax policy is a beast; it’s no wonder […]
September 2012 Favorite Posts
Even though it’s the middle of September, the weather has been great here in Southern California. It’s actually been almost too hot, with temperatures close to 100 degrees last week. When I played golf the other day it was 95 degrees out, way too hot; plus I don’t like to sweat when I’m playing golf. […]
How to Really Save Money at Chipotle
This post was inspired by an article I read the other day entitled: 15 Ways to Save Money at Chipotle. Now I don’t want to throw another blog under the bus, but man were their ideas lame(google the article title to find it). I’ve actually been obsessed with Chipotle for a while now and I […]
Part 3: How To Rebalance Your Retirement Accounts
[This is the third article in a three part series about re-balancing, the first article covered why to rebalance and the second covered when to rebalance your retirement accounts] Even though asset allocation will determine over 90% of your returns, it’s important to periodically rebalance your retirement accounts. I’ve shown why rebalancing will reduce your […]
Part 2: When to Rebalance Your Retirement Accounts
[This is the second article in a three part series about re-balancing, the first article covered why to rebalance and the last article will cover how to rebalance your retirement accounts] A year in the life of the stock market can be brutal. Daily swings up and down are unpredictable at best, but we’ve seen […]
Part 1: Why Rebalance Your Retirement Accounts
[This is the first article in a three part series about re-balancing, the next two articles will cover when to rebalance and how to rebalance your retirement accounts] A crucial part to a successful investment portfolio requires that you occasionally rebalance your portfolio. Due to the volatility of the market, the asset allocation you select might change […]
AMEX Twitter Sync Promotion: How I Turned $180 at Best Buy Into $200 in Amazon Gift Certificates
After two years of churning credit cards for sign-up bonuses, I’ve amassed quite a collection of cards. I’m almost embarrassed by how many I now have, but one great benefit of having so many cards is the ongoing promotions. With some companies you might save a couple dollars here, or get a discount there, but […]
Asset Allocation Guide: Why to Invest in International Index Funds
If you followed the market from 2000-2009, you’ll know that US stocks got hammered. Investing in international stocks wouldn’t have saved you from a period like that, but it could have helped. International stocks provide some much needed diversification and tend to reduce your portfolio’s overall volatility. In fact, since international funds make up 60% […]
A Review of My No Cost Refinance With Amerisave
A year ago I refinanced to a 3.75% 7/1 ARM with Quicken Loans and my experience with them was fantastic. I bought my property almost three years ago and that refinance lowered my payment by $200 a month. I was definitely content, but as I watched rates drop further, I started to think about doing […]
Take Advantage of Credit Card Sign Up Bonuses
I got my first credit card when I was in college and I used it for most of my entertainment(see alcohol) and dining out purchases. Although I was approved for a high limit, fortunately I never carried a balance. After four years, I realized I had accumulated a ton of points. I quickly spent these […]
I’ve Joined the Yakezie Challenge
I know summer is coming to an end for most of the country, but here in San Diego, my favorite month of the year is coming up. September brings some great weather and the ocean water is usually at it’s warmest. I’ve tried to post twice a week since the beginning of summer and I’ve […]
Why Borrowing From Your 401k is a Bad Idea
A reader writes in: “Can you talk about when to take a loan from your 401k? I took one a while back and I think it would be a good topic for discussion.” There aren’t many loans out there that allow you to borrow without a credit check and pay yourself interest, but that’s what […]
A Guide to Buying on Craigslist
I’ve been looking for a refrigerator on craigslist for a couple months now and I finally found one. My current refrigerator was in good working condition, but it was pretty old and I wanted to get a nice stainless steel one for when I rent out my condo in a year or two. Renters and […]
Get Rich Investing in Human Capital
Instead of talking about stock or real estate investments today, I’ll be diving into an often forgotten investment. Human capital is the knowledge, skills or health that you have acquired in your lifetime. Most people think of capital as a CD account, retirement savings or property. But tangible forms of capital aren’t the only kinds […]
My Tax Efficient Investing Plan
If the Mayans are wrong and Dec 21, 2012 doesn’t bring the end of the world, taxmageddon is still headed our way in 2013. Income taxes are slated to go up for every single tax-paying American unless congress and Obama act. Regardless of whether you’re for or against the proposed tax increase, it’s causing a lot of […]
Should College Students Start Using Credit?
When I bought my first real estate property in 2010, I had excellent credit. My score was over 760, but my mortgage broker told me they couldn’t give me the best rate because my credit history was too short. At the time, I was 23, and the only credit card I owned was one that […]
Do You Have a Second Source of Income?
I know there are people struggling out there for a main source of income, but I think the job market has significantly picked up for college educated young professionals. If you’ve used any of my networking tips, you may have already landed your first job and started thinking about your next one. It’s human nature […]
Calculate Your Mortgage Interest Deduction the Right Way
With the large deficit our country is facing, politicians are starting to get creative. There’s actually been some talk about getting rid of the mortgage interest deduction for homeowners. If you don’t own property, then you may not know about one of the biggest tax deductions available. The mortgage interest deduction allows taxpayers who own […]
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