Why I Cancelled My Gym Membership


I’ve been working out in some form or fashion since I was 11 years old. I was adopted by my aunt and uncle after my parents were unable to care for me and my three sisters any longer. Moving to a small town in the middle of nowhere proved to be quite difficult as I […]

What Are You Buying?


As we look forward to December, and the holiday season, I’m hoping Santa delivers me some great deals in the stock market. The euro zone crisis has been sending people with short-term outlooks running for the hills and that leaves a lot of deals on the table for a long-term investor like myself. If you’re […]

My Second Job Isn’t A Job At All


This article originally appeared on The Div-Net on September 17, 2011. It’s a tough economy right now. The unemployment rate is currently at ~9.1%. I feel lucky to have a full-time job and I put in 50+ hours a week, working as hard as I possibly can to create value for my employer. But, as someone […]

Considering The Downside To Early Retirement


In all facets of my life, I always try to calculate my potential upside and downside to any decision I make. This is never more of a truism than when I consider investing. If you invest $2,000 in a company, the worst thing that can happen is that you lose that $2,000 investment if the […]

My Food Budget Demystified


In my recent income/expense report where I showed the world my exact budget for October, I got some interesting comments about my food budget. It seems that some readers are either confused about how I keep such a low budget or are under the impression (due to my own fault) that all I eat are […]

Recent Buy


I’ve been a bit greedy and aggressive lately. I don’t know what’s gotten into me. I dipped into my cash reserves this month to go a little heavy on the equity purchases. This is actually quite unusual for me, as I usually only do that when the markets experience precipitous drops. But, when I see […]

Income/Expenses For October 2011


Each month I will post my income/expenses for the previous month. I track every dollar in and out, so what you see is exactly what I earned and spent (rounded to the nearest dollar). Income from October 2011: $3,708–Regular Paycheck$81–Dividends$200–Bonus and Spiffs Total Income: $3,990 Expenses from October 2011: $452–Rent$160–Student Loans$74–Groceries$73–Restaurants$53–Internet$52–Public Transportation$44–Pharmacy$21–Fast Food and Pizza$40–Mobile […]

Weekend Reading – November 12, 2011


Another week and another roller coaster ride in the markets. The euro zone debt woes continue to monger fear among investors, there are government shakeups going on in Greece and Italy and it seems good news and bad news see more flip flops than my local beach. Can you spot the buying opportunity? The chart […]

Dividend Income Update – October 2011


This article originally appeared on The Div-Net on November 3, 2011 Dividends. There are few words I like writing or speaking more. The very word conjures up images in my mind of financial freedom, still far off in the distance. Every month of dividends collected brings me one step closer to that far off destination. […]

Recent Buy


  Well, I’ve decided to make a move in this volatile market. I believe in dollar cost averaging, and my take on that strategy is to purchase high quality equities that are fairly valued or undervalued every single month, no matter what the market is doing. I do try, however, to purchase less when the […]