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Month: December 2017

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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