my Retirement calculator – can you retire now? 1

my Retirement calculator - can you retire now?
I decided to create a modern, easy to use and practical on-line retirement calculator, and I open-sourced it too!  There are ton’s of these available all over the internet, but none really quite had enough details or the specific details I wanted to make them useful.  So I approached this  retirement calculator from the FIRE ...

most Americans will likely retire into poverty 3

most Americans will likely retire into poverty
Came across an interesting 2¢ video on Youtube basically discussing what you need to do to have a shot at retirement.. needless to say it got me thinking..  and here’s my own 2cents conclusion..  Great video but oohhh 2¢ , way too optimistic with those projections. The short answer is that thanks to wealth inequality , probably ...

US taxes : why doesn’t the I.R.S Automate our tax returns?

US taxes : why doesn't the I.R.S Automate our tax returns?
It’s 2019 and the US government already has all the major  information about your annual taxes, so why are we still filing tax forms like its 1950’s? Sadly automated tax filing already exists in many countries, so  why not here in the US? simple answer corporate greed.,the tax preparation industry and lobbyists have pushed hard ...

next US stock market correction like 90’s Japan Nikkie bubble? 1

next US stock market correction like 90's Japan Nikkie bubble?
Could the next stock market correction / crash be like the 1990’s Japan Nikkie Bubble? A question to ponder, as the stock market as of this writing at the close of  2017 has reaches all-time highs levels for all the major indexes.  Could we see a correction so severe and long lasting that it might ...

Topics I wish were taught in high school; but wasn’t ..

Topics I wish were taught in high school; but wasn't ..
Having grown up in the US and having gone through the public education system from K to 12 grade in the 90’s  , I have a pretty strong opinion  about some of BASIC LIFE KNOWLEDGE I SHOULD HAVE BEEN TAUGHT, but wasn’t. Rather as an adult I had to piece together this knowledge through experience. ...

protecting your IRA | 401k account for big stock market correction 2

protecting your IRA | 401k account for big stock market correction
It’s July 2018 , and the stock market has been on a tear since the US  2016 election (S&P 500 2181 Nov 7 2016) to today 2742 (Jul 1,2018) its been up 25.7%+  for the S&P 500 index., many stocks are richly valued. There’s a growing chorus of  market and economic experts (Jim Rodgers,  Peter ...

401k – a risky retirement and what you can do… 2

401k - a risky retirement and what you can do...
My premise is that the 401k WAS NEVER ORIGINALLY designed to be a true retirement instrument , (one that accounts for inflation and is not subject to the  whims of the market, aka potential declines, and offers a steady stream of income into retirement). I’m going to outline there are substantial risks in 401k as ...

Everything you need to know, how to buy a used car on Craigslist 2

Everything you need to know, how to buy a used car on Craigslist
I have purchased my last three personal vehicles on Craigslist (CL) and have landed some great deals, saving thousands of dollars in most cases. It’s my personal belief  that CL is the best way to score tremendous deals on auto and truck sales, if your willing to do a little of the leg work and ...

Cord cutting in 2013: costs and everything you need to know 9

Cord cutting in 2013: costs and everything you need to know
Cord cutting , is the act of ending a monthly cable or satellite TV subscription, it’s one of the easiest disposable income items to remove when budgets get tight, because its something we can all pretty much define as a clear luxury. There are many reasons cable and satellite costs are exorbitantly high, generally the reasons are because of conditions beyond ...