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Living Below Your Means ā Simple Charts
Living Below Your Means ā SimpleĀ Charts
Introducing the Simple Chart Series: Simple Charts to help explain powerful concepts.
Living Below Means ā Yes š
Living Below Means ā No š¦
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I use Personal Capitalbecause (1) itās free, (2) it tracks all of my accounts and overall net worth, (3) my account balances automatically update, (4) it shows how myā¦
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Compound Interest ā Simply Explained
Compound Interest ā SimplyĀ Explained
This is arguably one of the most compelling reasons to invest your money instead of letting it sit in a plain old checking account. Compound interest is a phenomenon. A phenomenon that simply helps your existing money, earn more money. And then helps that earned money earn more money (donāt worry thatāll make sense soon).
And the best part is you donāt have to do a thing.
Thereās compoundā¦
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Enjoy The Journey Of Achieving Financial Freedom
Enjoy The Journey Of Achieving FinancialĀ Freedom
There are savers, super-savers and then there are people on another level of saving, like savers on steroids of something. Itās highly commendable that there are people out there who can save upwards of 80% to 90% or more of their income.
Yes that is the fast track with a boost of nitrous to financial freedom. But in this process of achieving financial freedom, donāt forget to stop and smellā¦
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Always Earn While You Spend
Always Earn While YouĀ Spend
Sometimes spending is inevitable. When things break down, emergencies come up, or if you want to indulge in something (weāre only human).
So if youāre going to spend, do it wisely. What does this mean?
In a nutshell, you want to get something back for spending and these days itās easier than ever to do so, mainly via credit card points which result in rewards.
Iād like to mention thatā¦
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Kevin Hart & Personal Finance
Kevin Hart & PersonalĀ Finance
On a recent trip to the library, I decided to do something a bit different. I decided to check out an audiobook, unrelated to Personal Finance. I do this from time to time just to get a break from personal finance.
It was Mark Twain who said that ā[t]oo much of anything is bad.ā
So I ended up checking out I Canāt Make This Up ā Life Lessons By Kevin Hart.Ā You may have heard of Hart, he isā¦
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Financial And Non-Financial Aspects of Being Sick
Financial And Non-Financial Aspects of BeingĀ Sick
Do you know whatās worse than being sick; when your whole family including your kids being sick.
It was the first time this happened to our household in almost 8 years. The whole house was sick at the same time. We were at home, mostly in our master bedroom with both of our kids around each otherās germs for almost 5 days. Collectively, we had a viral infection, bronchitis, and the flu.
Thā¦
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Tidying Up Your Finances
Tidying Up YourĀ Finances
Recently I finished watching Tidying Up with Marie Kondo on Netflix. Itās a show that helps people organize their home. Marie helps people get rid of clutter, unwanted items, and learn to keep items which āspark joyā into their lives in an organized and structured manner.
After just the first couple of episodes, I was motivated to tackle my own closet. As a result, I removed almostā¦
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Maybe You Shouldnāt Pay Off Your Car Loan
Maybe You Shouldnāt Pay Off Your CarĀ Loan
Having excess funds is considered a good problem. Even Warren Buffett agrees. He has currently over a billion in cash and he does not know what to do with it.
My problem is not as good though. Like I have the ability to pay off my car loan, but I donāt know if I should.
So right now, Iām included in the 45% of Americanswhom have a car loan. Itās true that, unless you have some classic orā¦
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Appleās Credit Card ā Simple & Simply Explained
Appleās Credit Card ā Simple & SimplyĀ Explained
I donāt know if Iāve ever mentioned it before, but Iām a big Apple fan. I like their products mainly because they are simple, and Iām Simple Money Man, so it makes sense.
Apart from simplicity, in my experience, Apple products are durable, efficient, and intuitive.
And I understand that folks who specialize in Information Technology argue that Apple products limit customization, but Iā¦
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Universal Personal Finance Rules
Universal Personal FinanceĀ Rules
Ever heard of the saying, the more weāre different, the more weāre the same. This applies to our personal finance situation too.
Ā All of us want to feel financially secure.
Ā If we have kids, all of us want to provide for our kids.
Ā All of us are willing to take a certain amount of risk, whether that is super-small (i.e. a money market account or super big ā a venture fund).
Ā So what are someā¦
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#active#diversify#ETFs#exposure#index funds#monitor#passive#Personal Finance#risk#rules#universal#vanguard#voo
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Simple ETF Analysis ā Vanguard S&P 500 (VOO)
Simple ETF Analysis ā Vanguard S&P 500Ā (VOO)
Nowadays, there are so many ETFs to choose from and so many providers offering similar choices. And in the world of low-cost index funds and ETFs, Vanguard is at the top of the game. Ā With a variety of products to suit your investment style, Vanguard has something for every investment style. So letās a take a look at the popular Vanguard S&P 500 ETF, ticker symbol VOO and see how it stacks up.Ā
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Comparing Personal Finance & Netflix
Comparing Personal Finance &Ā Netflix
Personal Finance is about making choices, actually personal choices. The choices you make will determine how satisfied you are once you move on to different stages of your life.
Similarly Netflix is about making choices. The choices here are in terms of movies and shows available for you to watch. Your choices will determine how satisfied you are once the movie or episode(s) come to an end.
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Personal Finance For Life
Personal Finance ForĀ Life
As I read the across the world wide web of ours, Iāve noticed a bit of a trend with other personal finance writers. Apart from writing about Personal Finance, Iāve noticed many also write about life, happiness, purpose, relationships and similar intangibles. They say that money canāt buy happiness. But can the comfort of having enough money create a sense of relief and even joy perhaps?
Andā¦
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We Really Donāt Need A Huge Home
We Really Donāt Need A HugeĀ Home
When Iām at home, you can usually find me in the family room or the kitchen. I donāt go to my room unless I need to change or am going to bed. And I donāt go to the bathroom unless I need to go. š
And yet there are so many people living in homes with rooms they hardly use. This is, of course, attributable to owning a HUGE house. While Iām not in agreement with living in mega-gigantic homes, Iā¦
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#bedrooms#down payment#expense ratio#harvard#home#huge#income#property#property taxes#rent#renting#square foot#warren buffett
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Jack Bogle ā How To Remember Him
Jack Bogle ā How To RememberĀ Him
Recently, a legend from our investing world passed away. Jack Bogle, also known as John Bogle, died this past January at the age of 89. He was the founder of Vanguard, which is the largest provider of index funds with over $5 trillion in assets.
Bogle was not always rich. His family lost their wealth during the stock market crash of 1929. His father left the picture early in his life due toā¦
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Are Fidelityās Zero Expense Ratio Funds For Real?
Are Fidelityās Zero Expense Ratio Funds ForĀ Real?
For the past couple of years, Iāve been acquiring shares of a few Vanguard funds. They are a super-low fee provider and have a diversified set of index funds and ETFs.
Itās all based on my latest strategy of set it and almost forget it investment management. Hey maybe Iāll use this as a future post topic. Iāve even written about some of their funds and ended up buying them.
By the way,ā¦
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Simple Money Man's Big Purchase Checklist
Simple Money Manās Big PurchaseĀ Checklist
Sometimes we may not be able to really tell if something is a want or a need. Itās hard when youāre at a store running an errand and you peek over to a different department, see something on sale that potentially costs hundreds or thousands and then convince yourself that you donāt really need it.
A big purchase can be a different for everyone. A big purchase basically means you are thinkingā¦
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