page contents
Are you frugal or cheap? or are you frugal bordering on cheap?

Are you frugal or cheap? or are you frugal bordering on cheap?

I often wonder if my parents considered themselves frugal or cheap.  My father, an engineer and my mother a stay-at-home mom lived a very frugal lifestyle. I come from a family of 14 children so frugality was a necessity. However, sometimes when my parents thought they were frugal, it bordered on cheap. They never really gave it much thought  To them frugal and cheap were synonymous.  it was a lifestyle.  What today’s generation calls cheap was frugal in days gone…

Read More Read More

July 13 roundup

July 13 roundup

July 2018 Roundup From time to time I come across posts that are interesting so I have included the ones I found here. In this week’s roundup, I want to highlight three articles that are worth a read. If you have ever heard of Dave Ramsey.  His message is biblically based and Christians love him. I say his advice will lead his lambs to slaughter eventually. He has some good advice on getting out of debt, but some of his advice is…

Read More Read More

Why my de-risking strategy is such a challenge.

Why my de-risking strategy is such a challenge.

Why begin my de-risking strategy? I was ready to begin my de-risking strategy when the Dow reached 26,615.17 on Jan. 26, 2018, but like everything else I procrastinated.  I was going to purchase more CDs and treasuries. With an increase in the interest-free rate, I calculated it would give me enough runoff from my portfolio where I don´t have to touch the principal-my goal. Eventually, I want to de-risk to a 20% allocation in stocks but will start with 30%, And…

Read More Read More

How to achieve Market-Beating Returns

How to achieve Market-Beating Returns

Market efficiency says you cannot beat the market.  Don’t believe it! Are the markets efficient? Can you have market-beating returns in an efficient market? My economics professor discussed this topic ad nauseum years before I purchased my first mutual fund or my first stock. He did not believe anyone could beat the market over the long term. He believed markets were efficient. The term market efficiency was championed in 1970 by Eugene Fama in the efficient market hypothesis (EMU)   …

Read More Read More

disability does not mean poverty

disability does not mean poverty

My disability forced me to get an education. Now don’t get me wrong.  I hate having a disability.   “What is the nature of my disability you ask?  It is a genetic neurological disorder that goes by the name Episodic Ataxia type 2 (EA2), and It has robbed me of my identity, and the very essence of who I am.  I cannot drive long distances, and I had to make so many compromises that I have been compromised to death. I hate the sight…

Read More Read More

Why I paid off my mortgage (early)

Why I paid off my mortgage (early)

I still remember the day I paid off my mortgage.  We turned a 30-year mortgage into a 10-year mortgage.  When I wrote that final check, I cannot begin to describe the feeling.  It’s surreal. Waking up in the morning, and shouting to the world, “I paid off my mortgage.”  We even thought about having a “mortgage burning party” but were afraid of the jealousy that might occur with those who continued to struggle to pay off their ‘s.  Owning my…

Read More Read More