It's time for the ultimate robo-investor showdown.  I decided to download all three apps last year and find out which one I liked the best.  Acorns and Betterment are true robo-investors where you set your risk tolerance and send them money as/when you can Acorns.comAcorns is a very simple but effective app for roboinvesting. You attach a bank account, can make one time investments, or set up recurring investments. I decided to try the reoccurring investing. What I liked about this program is that there are other ways to invest. They have something called "round ups" where you can attach a credit card and if you spend say 28.77, the next .23 will be taken aside and when you hit…

We all have one of those cigars. One that is so special that you intend to keep it for that ideal location, but that special occasion never seems to come or if an occasion comes you grab a different cigar... You know, just in case a more special occasion comes along right? So on your average Friday night, hanging out on the back deck by a fire, I decided to light up my 20+ year old Fuente cigar that has been sitting in my humidor so long that the wrapper has turned a sticky yellow color. Still in the wrapper Old vs new wrapper comparison https://www.youtube.com/watch?v=UetyS1VZ1Ww&w=640&h=480 Aged so long, that it sparkles! So with some trepidation, I cut the cigar…

Who knew this was a thing?!  Most ski mountains have turned into year round resorts, and Gunstock is no exception.  They have a giant zip line course, a smaller adventure zip line and obstacle course, segway tours, mountain top yoga, mountain biking trails, hiking trails, a pond with paddle boards and other items, even a mountain coaster.  Simply put, it's a fun place to be anytime of year. The zip line is amazing and I had done it in the past.  That morning while the wife was doing the mountain top yoga, she found out they were holding a moon-lit nighttime zip line run.  Limited to one group of 20 people. We got the last spots. It wasn't just a…

Simplicity.That's what I love about excel sheets. I watch people make things far more complicated than they need to be in excel, but truly you just need it for keeping track of a few numbers and totaling them up.Me personally? My wife and I have been using the same excel sheet for 17 years now.  No lie.  Same spreadsheet.  It's actually been in an OpenOffice format now for sometime, but you get the idea - It's the same thing as excel.We started the excel sheet back on 11/26/2001We are currently on cell 16,032 and started on cell 10For those that don't use anything, here is a sample excel file that is actually modeled after one I use for work. It's…

Carter's Simple Rules 1. Spend Less Than You Make 2. Invest In a Total Stock Market Index Fund ... and that's it! It doesn't need to be any more complicated than that and it really is that easy.   You can stop reading and go on with your life after this major wisdom drop. Think on it for a while. If you have time, I broke it down much deeper so keep reading or come back and read later.   Investing People become confused because there is an endless supply of investment choices, because we all want a short cut; We all believe we can do it faster and better, that you're going to be the person to beat the average, the next Warren…

Tonight was the last night for the Wednesday Motorcycle meet up in Milford New Hampshire. And what an absolutely perfect night it ended up being! After a couple of weeks of cold and rainy weather, today broke that repetition and the sun came out with temperatures nearing 80° Was a fine way to end this weekly tradition. Until next year!!

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