Recently, a trend has developed which puzzled me a little bit so I decided to do a little simple calculation to see what would make more sense.
?
As people might have noticed, the mortgage interest rate has been creeping up quite a bit the past 3 months.? I remember when I almost put down a deposit [...]
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I went to Ikea today and bought some energy efficient light bulb for my home use. Although some of the light bulbs in my house are the energy efficient ones, not all of them are so I bought enough to switch all of them out. The ones I bought were 20W which has a light [...]
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Get Rich Slowly gives us lots of information about credit scores
Blue print for Financial Prosperity talks about how smart people earn more money but save less
Binary Dollar found out how to figure out whether to use a home or a car loan
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Fees are one of the least looked at areas when individual investors compare the different funds to invest in. Consider the following example:
SloppyJoe investing in 1st Fund
SmartSmith investing in 2nd Fund
Expenses
2%
0.5%
Real Return
6%
7.5%
Value of portfolio if you invested $200 per month after 45 years compounded monthly
$551,198.52
$893,406.19
Difference of SloppyJoe and SmartSmith’s value of the portfolio: $342,207.67
This simple [...]
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As some of the readers know, I put $200 dollars in my original post on prosper.com. After 2 months, here are the stats of the 4 x $50 loans.
Amount
@ Rate
Origination
Date
/ Day
Principal
paid / bal
Interest
paid
Late
fees
paid
Service
fees
Collection
fees
Loan
value
Payment
status
$50.00
14.5%
Apr-03-2007
$1.12
$48.88
$0.60
$0.00
-$0.02
$0.00
$49.29
Current
$50.00
12.8%
Apr-02-2007
$1.15
$48.85
$0.53
$0.00
-$0.04
$0.00
$49.22
Current [...]
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This story was brought to my attention again recently and I thought we can all benefit from reading this.
A lady in a faded gingham dress and her husband, dressed in a homespun threadbare suit, stepped off the train in
Boston, and walked timidly without an appointment into the Harvard University President’s outer office.The secretary could [...]
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I watched deal or no deal last night on CNBC, and there is someone on the show that pretty much has a 20% chance of winning 1 million dollars, but is risking $148,000 dollars for it.? We always wonder why people would risk so much money for the chance of 1 million dollars in this [...]
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As promised from the last post about spending a million dollars on gas, I went to research on several ways to save us gas. I was able to come up with 11 ways, which I will share with you today. I cannot really measure how much gas this can save me quantitatively, but I know [...]
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I’m still at the golfing trip I told you about, so I’m not sure when I will be able to post this entry. However, I’m having a great time here since the scenery is nice and best of all, it is free (98% of the expenses paid by the boss)!
Something I do want to share [...]
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Just a quick update since I’m back.? As some of you might notice, the site has changed to another blogging software with a new layout.? I hope that this layout will be more functional with more features to be added in the coming days.? Let me know your thoughts and I hope to continue bringing [...]
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I decided to take the google ads down until further notice. The original thought was that I can use some of the proceeds to help fund the development of the website and possibly donate some of the money to charity. However, it is not performing enough to help in any way so I [...]
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Have you ever paid more just because you wanted the extra convenience? Today, I?? at a trade show and I noticed that there was a food stand inside the exhibitor?? hall. This place has prices that are 15% – 25% higher than the store across the street! The one across the street [...]
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For readers of this blog, you will notice that my net worth is about $110,000 right now. For many, this is a very large sum of money. However, the goal of having 1 million is just so far away. I have been saving much money this past year, but I’m losing motivation right now.
Over the [...]
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I was using the microwave today and I put in the plastic cover of the lunch bowl my fianc? made for me. After heating it up for 3 minutes, the plastic totally changed shape! It?? save to say that it was not something appropriate to do.
Usually, I will go to the store to [...]
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