Los Angeles, CA
I help people do money better! Financial Coach, Blogger, Husband, Dad. On a quest for the perfect donut. www.ontargetcoach.com
Wow, hadn't heard about all this hub bub. As I was mowing the grass, I was thinking about his investment advice and how I've strayed from it...oh and I've taught FPU 5x and been trained as one of his financial coaches. 12% is a bit much, I'd prefer 8% as a guide and I've come to be a more of an index fund kind of guy too, instead of his A share mutual funds that he suggests or at least his ELP's do.
1 year, 1 month ago on The Financial Planning Community Wants a Real Conversation with Dave Ramsey
How creative and took some guts to do that. I wonder if you just did that everyday at a different location if that could turn into a business. I bet you could even make more money writing and doing surveys while you wait.
1 year, 3 months ago on I Made $180 Simply Waiting in Line at the DMV
I have been using Feedly for a while which helped me manage G Reader. I'll probably just stick with that for my reading, but am a little uneasy about the future of RSS. I could see them ending RSS to push more people to G+.
1 year, 4 months ago on What the Death of Google Reader Means for Finance Bloggers
I'm down with all the above except beets. Can't get past the dirty feet smell.
1 year, 4 months ago on 7 Inexpensive Powerhouse Foods to Add to Your Diet for National Nutrition Month
Thanks for the article. We use a CPA when dealing with our gifted stocks, especially since they continue to reinvest dividendeds.
1 year, 4 months ago on An Introduction to Cost Basis
Haven't read the Behavior Gap. Thanks for the recommendation.
1 year, 4 months ago on Five best finance books for the average American
Thanks for helping unravel the new rules---It seems the only way to avoid this confusion is to always pack cash.
I'm curious if any big online retailers like @amazon will change their policy?
1 year, 5 months ago on sos095 The Credit Card Surcharge and Responsible Debit Card Practices
Looks like a cool movement! I'm sure you'll inspire countless others with your podcast and useful articles.
1 year, 6 months ago on sos091 Get Out Of Debt with the Debt Movement, Interview with Financial Soldier Jeff Rose
Thanks for the update!
1 year, 6 months ago on End of an Era - Dave Ramsey radio show to switch stations in Nashville
I like the different options you present. I wish I had a Christmas Bonus to apply your ideas!
1 year, 7 months ago on sos087 Smart Moves for a Christmas Bonus
Awesome giveaway and congrats!
1 year, 7 months ago on Win an Apple iPad Mini – Everything Finance’s First Giveaway!
That was an oddly high score. Either mortgages are given priority or me thinks their reported algorithm has some kinks in it.
1 year, 9 months ago on Cranky old guy gets his credit score
Great job on the presentation! You should do this for a living...
1 year, 10 months ago on Ignite FinCon12: No Debt, No Credit, No Problems
Hey I really enjoy the YNAB minute! I'm really digging ours in the free trial period.
1 year, 11 months ago on sos072 The Math behind Whole Life and Term Insurance
I would also find out about quiet hours and who is above or below you if you don't like noise.
1 year, 11 months ago on 5 Questions To Ask Before Signing A Lease
That's awesome! I think the key thing is to ensure your extra money is being applied towards principal and not applied to intest or future interest. I've heard some companies can be a bit tricky unless you specify and even then the processor might get it wrong.
If you really want to go crazy, set up a bi-weekly mortgage payment with your lender and watch the magic happen!
2 years ago on How to turn $100 into $120 in mortgage reduction
Might want to keep key investment statements if you've got complicated cost basis to figure out or scan and store on Evernote.
2 years ago on sos067 How long do we keep this stuff
stay small (well 8 franchises) and debt free..Great lesson in what you do every day. I bet his family life will be better too by not growing as large.
2 years, 1 month ago on Maybe I Can Save You 37 Million Dollars As Well
You could ensure a good donor pool by requiring x amount of usable blood donations before being considered for this type of pay. Maybe that would help ensure the donors are healthy.
2 years, 1 month ago on Soon You Could Make Around $3000 Donating Bone Marrow for Transplants
Hold it for a year and see what happens. You are forgetting to factor in all the articles you'll be able to write from this experience. :-)
2 years, 1 month ago on My First Rental Property: Not Really a Great Investment
Steve, great summary! Do you plan on teaching the new class this summer/fall?
2 years, 1 month ago on sos064 Dave Ramsey’s New FPU
You'd probably have more than you estimated, especially if the accounts paid dividends...it's fun to watch money grow eh?
2 years, 1 month ago on Compound Interest – the most powerful force in the universe
Agreed, when was it good advice and where are those who were giving that advice now?
2 years, 1 month ago on Financial Advice That No Longer Rings True
Bummer, I was just thinking of trying them out. I wonder if some cities are better than others?
2 years, 2 months ago on My Continued Troubles with Restaurant.com
I've used co-working spaces as writer. I think they can be a viable alternative to the small business owners. I hope taxes don't determine the future of such locations.
2 years, 2 months ago on Virtual Offices May Soon Lead to More Very Real Taxes
I've been using it also. A great addition to ING, I can't imagine what else they could do to improve their Orange Checking (besides raise savings interest rates).
2 years, 2 months ago on Checkmate! Capital One 360 Now Has Mobile Deposit
I hate it when couples say they don't fight. To me that is also a sign of a bad marriage, that means someone isn't putting their 2 cents in.
2 years, 3 months ago on Marriage is like war
I think the only good reasons to borrow from 401K are to avoid a Bankruptcy or avoid a Foreclosure (providing you can still make ends meet after the dust settles).
2 years, 3 months ago on Reader Question: 401k Loan vs Personal Loan or Debt Consolidation
Try walking backwards at IKEA, it is almost impossible.
2 years, 3 months ago on Go the wrong way
PT, I agree on focusing on retirement accounts. There are so many options for retirement it would be difficult to max them all out year after year. If you are maxing them out, then start a business and max out the personal business retirement options too.
2 years, 3 months ago on Help a Reader: Why Use an Online Broker?
You hit the nail on the head. It comes down to personal responsibility for your situation.
2 years, 4 months ago on The Real Crisis In America
I've been using the editorial calendar for a few months now and it's really helped me save time and post more regularly.
2 years, 4 months ago on Seven WordPress Hacks for Bloggers
The line between theft and frugality can be grey at times. Steal your neighbors free chipotle burrito coupons when a new store opens nearby, wrong!
2 years, 4 months ago on Advanced Money-Saving Tactics to Get Free Food
How to fight, the first year of marriage, kids and marriage....wait is the bride in the picture holding the groom's bum or is just me?
2 years, 5 months ago on It's about $*%^ time I start writing about marriage
Not sure I agree with #6. Your age till retirement and how much longer you anticipate being in debt also play a role in deciding to forego the 401K match. Not to mention how long it takes you to be fully vested in that matching funds. Focusing on your debt for a short time can really pay in the end.
2 years, 5 months ago on 8 Reasons We Choose Not to Invest
What a great idea! I know how to do almost all of this already, I paid someone to help set me up originally and I think it probably took them 20 minutes.
2 years, 5 months ago on How to Start a Web Design Business Installing WordPress Websites
Creative 'niche' blog you have, but you didn't convince me to gamble.
2 years, 5 months ago on Is It Foolish To Play The Lottery?
I find it interesting that many of the commenters (including myself) are trying to achieve some level of success of the above mentioned in the articles. Should we study and imitate the successful? Yes, that's why we read biographies isn't it? I will continue to follow the sound financial principals of the above, while also living in my strengths and following my passions.
2 years, 5 months ago on Wealthy, Successful Bloggers: Don’t Simply Follow Their Frugal Advice
Philip, you are affected by this more than you realize. Unions drive up wages and thus prices of goods and services increase.
2 years, 5 months ago on What is a Right to Work State and How Does This Affect Your Finances?
Great perspective and even greater wisdom.
2 years, 5 months ago on Can you be happy when you lose a deal?
Have we hit the money market bottom yet?
2 years, 5 months ago on American Express Personal Savings Account Review
In most small trips, I'd be 'self-insured', but I might consider some kind of insurance if spending more than 2K on a trip.
2 years, 6 months ago on The Costa Concordia Tragedy and the Need for Travel Insurance
Andy, Props to you for the early rise. It's also hard on my family when I get up early as we live in 1 bedroom with 13 month old. When someone gets up, everyone does. Good thing he's a 6:30 am riser though.
2 years, 6 months ago on Anything that motivates you to get up at 5am is healthy