Category Archives Money

My annual self-imposed no purchase for 30 days.  It falls roughly sometime between September 15th to October 15th. I figured this time of year works best because there are no major holidays, no reasons to really go out and buy things. School shopping is over and Halloween isn't here.  I also find that no one is really Christmas shopping yet either. Making this the perfect time to not buy a damn thing and honestly to see if it can be done. Rules of the Game: This is personal, not family related. Go family if you want to play on the hardcore level only. The rest of us are doing it just personally! Of course you can buy food. Grocery shopping…

It was only a matter of time, but I don't believe anyone expected Fidelity to be the first company to come out with zero fee funds.  Vanguard is usually the company most online think of and recommend when it comes to low fee funds.  Fidelity looked them square in the eye and said:  We can do better. The two funds they created are: FZROX FZILX The FZROX follows the United States total market.  The description from their site:  The fund seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks. The FZILX fund is their international fund: The fund seeks to provide investment results that correspond to the total return of foreign…

Got the call today that we are approved to make that next, albeit nerve wracking, step towards purchasing an investment property.  We have our eye on one.  Said we would visit it last weekend.  We didn't.  Maybe I'll see if it's still there this Saturday to go see.  If it is, maybe it was meant to be.   Regardless, I'm not out to buy something just to buy something... But I on the other hand I do what to buy something.  Hmmm...   This diversification of my current portfolio is going to lose me money in the short term.  I've sold stock to fund this purchase that has been up 30% over the past 12 months.  ADP to be exact.…

I froze my credit after the big Equifax hack.  I needed to thaw it temporarily so my bank could run a credit check for my loan since I want to purchase an Investment Property   I tried logging into TransUnion first.  What a cluster F***.  I decided I was going to post links to make it easier to find how to Freeze and thaw your account after spending 5 minutes trying to honestly find where to have this done and not be sold some crap I don't need.   TransUnion:  https://freeze.transunion.com   (Costs $10 in my state) When you do TransUnion - Be sure to write down your username and password - and they will have you create a "PIN" for your…

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