The Financial Art of Saying “Thank You”

Did you know that those who make it a point to practice saying ‘thank you’ also sleep better, exercise more, feel optimistic about Philadelphia sports teams, are less materialistic, more prone to be financially secure, smile relentlessly, and can even have greater mental clarity? Actually, there is absolutely zero scientific …

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Net Worth July ’17

SUMMARY: A big jump this month due to a milestone bonus for meeting certain targets at work and annual growth increases for two life insurance policies –  July anniversary month. I use life insurance cash value as my bank to fund various obligations or investments because of the interest rates …

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The Power of Information: Rockstar Finance Directory Mined

We’ve seen some extremely rare and amazing events these past 10 years.  In 2008, the United States elected Barack Obama as the very first African American president.  In 2014, the world witnessed Kim Kardashian break the internet with a fragile champagne glass.  And in 2017, Rockstar Finance launched the very …

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Money Challenge: Unlink Your Checking and Savings

I have to give credit, where credit is due.  The inspiration for this post came from Big Law Investor’s Make Investing Harder, Not Easier.   It’s a great read about how making advances in life, especially when it comes to saving and investing, shouldn’t be easy.  In fact, the harder things …

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Simple Interest Loan, Funding Compound Returns

Certainly, there is no shortage of financial minds out there who shout from mountain tops that whole life insurance is the worst investment known to man, inappropriate for all.  For the most part, I would agree with them. However, for the right individual, it can function, not as an investment, …

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Net Worth June ’17

SUMMARY: A bit of a low key month in terms of gains, but you won’t hear me ever complain about being in the black.  This month’s increase of ~$2.5k is primarily driven by the stable cash value growth in my life insurance policies with help from debt reductions on my credit …

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Net Worth(less), More Than You Know

Ok, Mike Meyers (Wayne) and Dana Carvey (Garth) may be wealthy, but your Net Worth is not the amount you believe it to be…and here is my little story behind that statement. I got a call the other day from an old colleague I used to work with. He project-managed …

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Death & Finances: Managing Both Duty and Emotion

At some point in our lives, we are going to undertake the overwhelming responsibility of closing out a loved one’s life.  It’s a topic most of us want to ignore, but when it happens and the burden of responsibility falls onto your shoulders (either as executor or personal representative), understanding …

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Net Worth May ’17

Summary: After decreasing $80k last month, picking up $12k (or 2%) is a dream come true.  As mentioned in the April ’17 update, this was a well calculated move in my portfolio and took me 15 years to get to this point (started at 22 yrs old).  The next 3+ …

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My Social (in)Security Complex

There is only one thing I love more than my current Net Worth,  the future value of my Net Worth.  I created a simple ledger in excel that projects a 5% annual growth rate for individual assets and amortizes liabilities over their contractual life.  I use conservative values in order …

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