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Month: December 2017

Small Ways to Improve Your Finances in 2018

Small Ways to Improve Your Finances in 2018

2017 is almost over. It has been a really interesting year in the ROB household both good and bad. Financially, the good things have been:1) I maxed out my 403b for the second time; 2) We got Mrs. ROB started on her retirement savings; 3) I had an article featured in Rockstar Finance; 4) We got to be on TV regarding the new tax bill; 5) I continue to pay down debt and save without really adding any new debt;…

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We Are on CBS This Morning

We Are on CBS This Morning

While I have not publicly revealed Mrs. ROB’s name to my audience anyone who follows my blog on Facebook will know who she is. Mrs. ROB (Amber) and I were interviewed by CBS This Morning to determine how the tax bill might affect us. Amber, who used to be a former TV producer, got to get back in the old TV groove again when the crew was in our house. And, as always, she gets the best and final word….

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Should You Invest in Individual Stocks?

Should You Invest in Individual Stocks?

I have always been interested in personal finance and money. I remember I wrote a really crappy essay in high school called “Money Rules the World.” I would actually read about the stock price of my dad’s company in our local newspaper. Before I started college one of the professions I investigated was becoming a stock broker (I don’t think they even exist anymore). I watched the Dow Jones climb during the 80s and 90s and wished I could join….

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This Journey Has Never Been About the Money

This Journey Has Never Been About the Money

A couple of days ago I was talking with some folks and one person remarked that I seem really preoccupied with money. In fact, when she read my blog (and apparently they read regularly) they noted it was always about how to save more or get out of debt or whatever and it connoted for them the image that I am “obsessed” with money. I admit I probably did the German Shepard stare where I cocked my head to one…

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Wineries, Wineries, and More Wineries

Wineries, Wineries, and More Wineries

One of the things that I have grown to love over my years of travel is good food and good wine. In fact, I fancy myself a bit of a tour guide when it comes to wineries, particularly in our local area. One of the first things Mrs. ROB and I did when she came to visit me when we first started dating was doing some wine tasting. Apparently, no one had ever taken her before. So I instantly scored…

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Public Employees: Use This Account to Supercharge Your Savings

Public Employees: Use This Account to Supercharge Your Savings

There are about 10 million or more employees in the United States that work for state or local governmental agencies. Those government agencies will often offer a pension plan and/or a traditional retirement plan like a 401(a) (note I didn’t say 401k there is a slight difference) or 403b. A lot of times these employers will mandate a contribution like 5% or 10% of your salary. However, that 10% contribution is lower than the recommended 15% put forward by many…

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Should You Invest in Cryptocurrencies?

Should You Invest in Cryptocurrencies?

One of the hottest things in finance today are cryotocurrencies. Cryptocurrencies are a digital, decentralized currency that it not tied to any specific country or anything. Satoshi Nakamoto, the creator of Bitcoin, wanted to create a digital cash system that was independent of different countries and the like. A cryptocurrency, like Bitcoin, works in the digital world in the sense that a network is created among people (now it is a lot of people) who say that this particular currency…

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Guest Post: Why Should You Discuss Retirement Planning with Your Children?

Guest Post: Why Should You Discuss Retirement Planning with Your Children?

*From time to time I will have some smart people write guest posts for my blog. Today, we have Rick Pendykoski, who has his own retirement planning firm and has some important advice in talking with your children about retirement planning.  Saving for retirement is complicated enough when you’re single, but it gets a lot more challenging when you have children. You need to balance your financial needs against theirs at least till college, if not beyond. In all this,…

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