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Common Sense Financial Wisdom From My Wife
Personal finance blog that focuses on getting rich slowly through practical common sense methods
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All This Volatility Is Driving Me Nuts
2007-08-07 09:35:18
Common Sense Personal Finance
All this volatility in the market is really crazy, so I decided to change my strategy. I think that value stocks are more stable during these volatile times. After...
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Driving
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When The Volatility Dies Down
2007-07-27 19:41:45
Common Sense Personal Finance
When the volatility from the market crash yesterday dies down, I think I'm going to invest in some mutual funds. I like emerging markets. I was thinking of investing...
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Before You Do A Balance Transfer Make Sure You Pay Off Your Balance
2007-07-24 08:54:29
Common Sense Personal Finance
I almost fell for this one. I have a credit card with 10k balance at 3.99% for the life of the balance. The credit card company sends me another balance transfer...
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Balance
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I Have A New Stupid Idea
2007-07-22 20:44:14
Common Sense Personal Finance
Let's say you need to borrow 80k. And let's say you can borrow 100k or 80k, and they will both be at the same rate. Assuming there is no prepayment penalty and...
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Stupid
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Opportunity Cost -- What Does It Mean?
2007-07-19 18:08:56
Common Sense Personal Finance
Another reader mentioned opportunity cost in the comments.
Opportunity cost is the difference in return in choosing one action over another action.
For example, if I...
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Negative Arbitrage-- What Does It Mean?
2007-07-19 18:06:58
Common Sense Personal Finance
One of my reader left a comment about not being able to make money from negative arbitrage. What does that mean?
Negative arbitrage is the opportunity lost when the...
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Arbitrage
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Borrowing Money To Fund A House -- How Stupid Can I Get?
2007-07-17 18:12:36
Common Sense Personal Finance
The other day I saw a house that I really like for 500,000. I had no money for a down payment, so I financed the whole thing at 6% interest rate for thirty years. The...
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Borrowing
House
Money
Stupid
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My Company Is Giving Us A Roth 401k Benefit
2007-07-15 20:05:44
Common Sense Personal Finance
My company just annouced yesterday that employees will have the ability to put money into a Roth 401k or a regular 401k. My coworker asks me, what is the benefit of a...
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Company
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Borrowing Money To Fund My Savings -- How Stupid Can I Get?
2007-07-15 20:03:03
Common Sense Personal Finance
You know what I just did? I borrowed 30k from my home equity line at 7.75%, and I put that into a savings account paying only 5%. I know that everybody is laughing at...
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Borrowing
Money
Stupid
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I Will Teach You How To Haggle
2007-07-11 22:44:58
Common Sense Personal Finance
My wife was shopping for some book cases off of Craig's list. She came across a set of book cases for $150, and we scheduled to meet with the lady.
When we first met...
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Haggle
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First Thing You Need To Do Is To Establish Credit
2007-07-06 17:47:08
Common Sense Personal Finance
I'm screening tenants for my rental unit. The thing that strikes me is that most of the applicants don't have credit history. And I'm thinking, "What? How could you...
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Credit
First Thing
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How to Provide Value To Your Tenants
2007-07-06 17:45:19
Common Sense Personal Finance
First thing about renting your place is that your place needs to be presentable. Repair all the minor thing that detracts from the value of the property, like leaks,...
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I Like To Struggle Now Rather Than Later
2007-07-06 17:44:46
Common Sense Personal Finance
I started saving when I was young. Even when I was going to college and I was flat broke, I would sock money away into a savings account. I maxed out my IRA every...
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Rather
Struggle
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The Parking Cop Is An Idiot? Or Did He Give Me A Break?
2007-06-15 17:17:17
Common Sense Personal Finance
Yesterday, I awoke to find a parking ticket on my car. In San Francisco, the city have street cleanings on different days for different streets. Even if you are a...
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Cop
Idiot
Parking
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How I Screwed My Uncle
2007-06-14 06:26:12
Common Sense Personal Finance
As you may have already known, my wife wants to install hardwood floors in our property. As it turns out, my uncle specializes in installing hardwood floors. In order...
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Screwed
Uncle
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Consumer complaints about Maytag Washers & Dryers
2007-06-10 22:26:53
Have you heard about Maytag washers having a bad design. Recently, my maytag washer sprung a leak, so I started searching on the internet, and I found this article. I don't have the Neptune. I...
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Complaints
Consumer
Maytag
Washers
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I Will Teach You How To Haggle
2007-06-10 09:43:25
Common Sense Personal Finance
All women seem to be born with an innate ability to haggle. It just amazes me how many people fall for it too. For example, I was trying to rent out one of my...
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Haggle
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Buying Preconstruction House
2007-06-07 05:53:21
Common Sense Personal Finance
My friend wanted to buy a townhouse in San Jose. She already has one house. This second house that she wants to buy is a preconstruction house. Currently, the builder...
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House
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Offsetting Loss - Huh?
2007-06-01 18:10:42
Common Sense Personal Finance
Everyone has heard of offsetting gains, but have you heard of offsetting loss? Offsetting gains is where if you have a gain, you liquidate some badly performing...
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How Much Money Do You Need For Retirement
2007-05-31 09:33:35
Common Sense Personal Finance
I found a nifty tool for doing retirement planning on MSN Money. One of the things that people always ask me is how much I would need for retirement. Well, this tool...
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Money
Retirement
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The Game That Credit Card Companies Play
2007-05-26 18:34:46
Common Sense Personal Finance
As you all know, I rack up a huge amount of debt in just a short amount of time, and I'm floating some of it with credit card balance transfers. I also have a home...
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Companies
Credit
Credit Card
Game
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Float Your Tax Payments With App-O-Rama
2007-05-25 05:05:45
Common Sense Personal Finance
It's dangerous but totally doable, but it's already out there in the internet so I might as well mention it. Take the scenario where you have an unexpected tax...
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Float
Tax
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Put Your Money In Safe Harbors During The Hurricane Season
2007-05-22 20:02:00
Common Sense Personal Finance
I heard on the news that this year, we are going to have above average number of hurricanes. If it is another Katrina year, first thing to do is keep an eye on the...
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Hurricane
Money
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My Boss Says A Funny Thing To Me
2007-05-22 07:57:00
Common Sense Personal Finance
She says that she was thinking about refinancing her house so that she can get a higher interest rate so that she can get more tax deductions. I nearly busted out...
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Boss
Funny
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Cycles of Money
2007-05-20 18:03:00
Common Sense Personal Finance
You have notice patterns in money flow in order to be successful. In 1996, if you recognized the housing market was changing and that house prices were appreciating...
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Money
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How To Accumulate A Million Dollars In 15 Years
2007-05-19 21:58:00
Common Sense Personal Finance
There are some people out there that says accumulating a million dollars in 15 years is impossible. I'm telling you from experience that it is totally possible. ...
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