Smart Reasons to Save, Use and Invest Money

Yearly Archives: 2012

New Year And A New Direction Blogging?

I’ve been thinking in ways that I’ve never thought before, life has changed for me and lately I’m in a constant state of flux.

Last year, I wanted to accomplish certain goals and change my lifestyle all around.  I was only partially successful!

I was successfully in accomplishing measurable goals like weight loss and financial goals.

I was unsuccessful in change my lifestyle in a meaningful, productive or challenging way.

I’ve discovered that when I establish a plan, historically something always blocks me in my progress.  This year I was full steam ahead and making great progress when BAM, I got vertigo like symptoms that I’m still fighting to a certain extent.  I’m bending around the health problem, but it’s still taking a toll on my plans!

Another way that I’ve changed is that I no longer see just one or two ways, but instead I see an issue from multiple directions and angles.  I believe I’ve always seen a few multiple viewpoints, but now I see even more and from different sociology-economical viewpoints.  I’m not sure if I like it, but I also have come to believe that no one answer is right, but also that there are solutions that are statistically prone to a higher probability of success.

On the investing plain, I’ve discovered that often times, I won’t be able to predict what is a hit or miss.  Take texting for example, when it first came out I thought that it didn’t make sense, but now I find myself even using the medium.  How that for a kick in the pants!

Another thing is Facebook.  While I understood the appeal, I thought some things were better left in the past, but to my surprise others don’t seem to think the same as I.  I do think that it’s funny that a lot of people get arrested because they post their pictures or videos of crimes they committed on their Facebook account.  While I have a personal account, I don’t use it much because I value my privacy.  It’s a choice, no right or wrong way about it.

While I like writing about financial tips and tricks I’ve discovered and about my journey to financial independence, lately I thoughts are all over the place and it’s making it hard for me to concentrate on the niche that I enjoy so much.  Hopefully in 2013, my mind will settle and my health will return!

If I remain healthy, I’m hope to be able to bring more value to online environment by creating useful online applications (we’ll see).

Congratulations everybody for surviving 12/21/2012, in some ways it was the end of the “old” world.  Here is to the new world!  Make you mark!

Best,

Don

Year End Investment Portfolio Analysis

So after writing the article called “Mutual Funds versus Stocks Why I Choose Stocks“, I wondered if my personal “regular account” gains from the past would trump my 401k gains.  I was especially curious about as long of a record period as I could calculate.  So ironically (or is it because I’m focused on thisContinue Reading

End of World Financial Plan Sort Of

Well, according to some, tomorrow will be a big day from a world destruction standpoint.  I figure what better way to start the kickoff than to write an “End of the World” Financial Plan. First let me say I’m not buying water!  Instead I’m buying Kool Aid!  Yep, why not get some caloric value outContinue Reading

Mutual Funds Versus Stocks – Why I Choose Stocks

Here is a shocking truth…  I don’t own any mutual funds in my regular brokerage accounts or Roth IRA anymore.  In fact, I wouldn’t own any mutual funds if it were for the fact that my employer’s 401k only has mutual funds as investment options. Now you might think that I’m crazy, but surprisingly I’mContinue Reading

PayPal Bookkeeping System Update

This is an update of the practice of using a PayPal Bookkeeping System as your core record keeping system.  If you want to read my original idea on the concept, please read my previous article titled “Using PayPal As A Simplified Bookkeeping System” PayPal Bookkeeping System Experience Update Okay, I’ve made my first credit cardContinue Reading