Do you have a really big debt? I do. It’s called my mortgage. Last year, I was able to successfully pay down my mortgage such that my loan-to-value ratio (essentially, the percentage of how much I owed on my home) hit … Read More … Read More
Every year, amid the discussion of taxes and rebates and the like, there is usually a talking point that goes like this: “Getting a rebate of any amount is a bad idea, because all you’re doing is giving the government … Read More … Read More
Welcome back to tax season! It’s an interesting time that can seem extremely fraught to some, and a little exciting to others. For some: so much work to do. For others: big rebates! I’m fortunate to be young enough that … Read More … Read More
At the beginning of the year, the news reports started piling in: the stock markets were overvalued. P/E ratios were at highs not seen in years. Some people even used the curious phrase “melt-up” (which, correct me if I’m wrong, … Read More … Read More
People have very widely varying attitudes toward cash. While some people feel money more when they spend cash, other people don’t feel it at all. In fact, the way some people have explained it to me, if the transaction doesn’t … Read More … Read More
There are lots of ways to spend more money than you have to. One of the easiest ways to do that is to buy something before you have the money for it. And there are oodles of ways to do … Read More … Read More
One of the more famous—and certainly eerily relevant—quotes about financial self-awareness is from Warren Buffett, the “Oracle of Omaha”. The quote generally is rendered as: “Be greedy when others are fearful and fearful when others are greedy.” It’s a great … Read More … Read More
I really tried to avoid talking about the tax plan, and couldn’t help myself. But that was more of a “feelings” piece, and less practical. This article is coming from the other, more practical side. In the U.S., our new tax … Read More … Read More
If you have an HSA (Health Savings Account)—and if you’re eligible, it’s probably a good idea to have one—you still have time to make your contributions count toward last year. Since HSAs are a great financial deal (only offset by … Read More … Read More
People always like simple things they can remember. Whether it’s using the Rule of 72 to figure out when an investment (or debt) will double, or whether it’s aphorisms like “own your age in bonds“, (or even “Mary Very Easily Makes … Read More … Read More
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