I’m dying for it to start raining again in SoCal so our mountains will get some snow. My day job is pretty flexible, so I usually try and get up to the local mountains the day after it rains. Rain down here means snow up there and I found a great guy on Craigslist that […]
My New HSA Strategy – Rollovers and Trustee Transfers
Since my company was acquired by an even larger one last year, 2013 will be our first full year under the new administration. That means a whole lot of changes to our benefits and one of those will be to our HSA provider. Although the HDHP insurance portion will still be served by Aetna, our […]
Save $500 on a New iPhone 5 Through Walmart/Straight Talk
Ever since I graduated college, the one thing I’ve resisted doing on my own is signing up for my own cell phone plan. I’ve been on my mom’s family plan since freshman year of college and I intend to keep it that way. AT&T’s family plan lets you to add a line for $20 and […]
Be Wary of Frontloading Your 401(k) Contribution and Losing Company Match
January is a great time to re-assess your retirement accounts. It’s important to review your 401k contribution and at least consider re-balancing your accounts at the beginning of every year. You’ve probably made a couple New Year’s resolutions so why not add this one to your list? 2013 will be the first official year I’m able […]
$1,000 Cash Giveaway Hosted by Structured Settlement Quotes
Thanks to all of my readers for supporting this blog. I love giveaways so when I was asked to participate in this cash giveaway I jumped at the chance. Whenever I see a giveaway at the mall or anywhere out in public, I always sign up. And from all those sign-ups I’ve only won one […]
Is Restaurant Week Even a Good Deal?
Have you heard of restaurant week? Most large metropolitan cities have some form of it, but the general idea is that you pay a discounted rate for a three course price fixed dinner at a top restaurant in your city. In San Diego, the options are for $20/$30/$40 dinners at over 150 restaurants. There are […]
Breathe New Life Into Your PC or Mac Computer
For the past 5 years, all of my personal computer use has been on a 2009 Macbook Pro that I got as a graduation gift. I didn’t have to worry too much about the cost at the time since it was a gift and I got a small student discount. But recently, I started to […]
Personal Finance Blog Round-Up: Yakezie Carnival
This week I signed up to host the Yakezie Carnival. The carnival is brought to you by the network of personal finance bloggers of the Yakezie. You can submit your articles or sign up to host at Blogger Carnivals. There are a lot of articles included but I’ve highlighted a few of my favorites and […]
The Fiscal Cliff Blog Round-Up
There’s been a lot of talk about the looming fiscal cliff lately and it looks like Congress and the president won’t be able to reach a deal by the end of the year. There’s still a chance something may happen but you should start preparing your budget for the worst. Plan on taxes going up […]
What Credit Cards Will Work Abroad in Europe, UAE, Asia?
Traveling abroad and paying for everything has gotten a lot easier over the past 10 years. I’ve never had the pleasure of using a travelers check but I hear they were quite the adventure. Nowadays though, when I travel abroad I take two debit cards, two credit cards and a couple hundred dollars in cash. […]
The Apple Price Premium: Are Mac Computers, Ipods and Iphones Worth the Extra Money?
From my seat on the couch I can look around and see my fiancee’s iPhone 5, my old iPhone 4, my Apple TV and oh yeah I’m typing on a MacBook Pro. Obivously, we’ve been using Apple products for quite some time now but I still remember our family’s first Macintosh computer in the early […]
How Much Money Would it Take to Leave a Great Life?
When I graduated college four years ago, I faced a tough job market with very few prospects. I had a couple interviews but I was only offered one position as a navigation/systems engineer in Palmdale, CA. Even though it was my only offer at the time, it was still a tough decision. I debated about […]
December Deals & Steals and a Blog Link Round-Up
I love December for a litany of reasons but my favorite part is all the deals that pop up throughout the month. During the year, I’m pretty good about not buying stuff I don’t need, but come December, it seems like I’m buying something every other day. Sometimes I don’t even know who I’m going […]
A Review of My Experience With Car2go San Diego: A Car Sharing Service
Although Car2go hasn’t reached every major city yet, there is probably some type of car sharing service available in your local metropolitan. Whether it’s Zipcar or some other service, the idea of car sharing has really taken off over the past couple years. I’m pretty intrigued by the whole idea because less cars on the […]
Reader Question: Is a 5% Return from a Secondary Market Annuity Too Good to Be True?
Reader PR writes in: “Harry, what are your thoughts on secondary market annuities? I’m looking for some higher returns for my savings. Some of the SMA’s I’m looking at right now are returning 4 or 5%. It seems like they are a pretty safe investment, but maybe I’m missing something.” I’ll be honest, when I first […]
Employee Benefits: Do You Have the Option to Purchase Additional Vacation Days
A lot of people are talking about employee benefits right now. They are deciding which medical plan to choose(the answer should be HSA!), reviewing their investment choices and maybe even increasing their 401k contribution. But I’m here to talk about a different type of benefit today: vacation days. You might not think of purchasing vacation […]
Why I Prefer to Make My Own Black Friday Deals
Thanksgiving has got to be one of my favorite holidays. Not only is it centered around giving thanks and spending time with family, but it’s a whole holiday that’s dedicated to food. I plan on spending it with my mom’s side of the family, my dad’s side and my girlfriend’s family, and for those people […]
Annual Enrollment Time: How Much Can an HSA Save You?
Here’s my original HSA article from last year: Health Savings Accounts Explained. Ok it’s annual enrollment time again for those of us in traditional workplaces and I’m here to tell you exactly how much a HSA can benefit you. Most large companies are starting to offer HSA’s to their employees for one main reason: it […]
Why The Average Investor Should Choose Index Funds Over Picking Individual Stocks
When it comes to picking stocks for a portfolio, the average investor is at a big disadvantage. Now I’m not talking about investing in mutual funds, which can have big ol’ expense ratios baked into them. I’m talking about good ‘old fashioned stock picking’, where you research companies, pick out which ones you like and […]
Do You Invest in Expensive Kitchen Knives? A Review of my Shun Chef’s Knife
If you’ve ever been around someone who loves to cook, you’re probably already familiar with the names Shun or Wusthof. They are two of the top knife-manufacturers in the world and most professional chefs carry one or the other. These knives may be top of the line, but so is their price tag. Most knives […]
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