Your Savings Rate Trumps Your Investment Returns

piggy-bank

How Much Are You Saving? If you’re like me, and you’re seeking financial independence at a relatively young age, you’re looking for the most efficient and reliable way to the promised land. I’ve found that the best way to financial independence is to save large parts of my net income by living below my means, […]

Weekend Reading – September 23, 2012

borabora

Boy, do I love dividend growth investing. You invest your capital with high quality companies which pay out dividends to loyal shareholders, and are able to sustain rising payouts over the long-term. You are then able to reinvest these distributions, which due to their rising nature over time, become larger and larger reinvestments. These larger […]

Recent Buy

recentbuy

Well, to be honest I wasn’t planning on purchasing anything else this month. I felt very content with my recent purchases of KMI shares and INTC shares over the past couple weeks. Especially with the stock market so high, I felt I wanted to hold back a little capital to see what October brought us. […]

YOLO

office-vs.-home

Where are you going? You Only Live Once. YOLO. A classic adage, with a “cool” new spin. Historically, this term has come to mean ‘live in the now’. To not put off tomorrow what one can do today, as one is not promised tomorrow. I will certainly not argue the point that life is only […]

Recent Buy

recentbuy1

Well, Ben Bernanke, the Federal Reserve Chairman, recently announced the Fed is going to buy $40 billion worth of mortgage bonds per month until unemployment eases and the general economy improves. There is no definitive time frame for what is now QE3 (3rd round of Quantitative Easing), since the end of it will only come […]

Two Great Gym-Free And Equipment-Free Exercises

gym

A while back, I tried to give up my gym membership and the $30 per month it was costing me. I failed miserably at this task. I don’t talk about it a ton here, but I used to be a amateur competitive bodybuilder in my teens. I started working out at 11 years old and […]

Beautiful Day

sunshine

Today was an absolutely gorgeous day here in Sarasota, Florida. It’s one of the first days like such we’ve had in a long while. It’s been a very hot summer, punctuated by afternoon thunderstorms. But, today gave way to a beautiful Wednesday with a nice easterly breeze, low humidity and bright sunshine mixed with puffy, […]

Trading Vs. Investing

invest

Note to readers: I originally wrote this article for The Div-Net, and published it on February 2, 2012. But I never re-published it here and after going through some drafts I thought I would publish it here as I think the ideas are timeless.  There are many ways to make money in the stock market. […]

Income/Expenses For August 2012

budgets

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 August 2012: $3,742–Regular Paycheck$208–Dividends$154–Bonus and Spiffs Total Income: $4,106 Expenses from August 2012: $476–Rent$189–Student Loans$176–Groceries$103–Restaurants$60–Fast Food and Pizza$53–Internet$59–Public Transportation$38–Pharmacy$40–Mobile […]

Recent Buy

recentbuy2

A rising stock market is not my friend. More expensive stocks and higher valuations puts me in the unfortunate position where new capital does not go as far. Higher priced stocks provide an equity investor a lower percentage of ownership of said companies when purchased at a static dollar amount, and also provide a lower […]