Boston Marathon

Boston Marathon

I’m not feeling well.  I traveled over the weekend, and it appears I’ve brought back some type of viral infection.  At times my joints ache, and I’m overcome with fatigue.  My body temperature swings wildly, often culminating in excessive sweating.  This leads to a nearly unquenchable thirst and a persistently dry mouth.  After doing some research online, it appears these symptoms can last for months, sometimes years depending on the severity.  I’ve come down with a virus called the marathon.  This virus is highly contagious, as over 30,000 people were…

Make a good choice; Daily!

Make a good choice; Daily!

Every Tuesday at 6pm, I meet with other members of the FandM Track Club for our weekly speed workout.  There are usually between 20 and 40 runners of various paces and ages.  In the past, I have aligned myself with some of the fastest members of the group.  Many are former college runners who usually grind me into the crevices in the track. This year, I often start the workout with this group, only to quickly be placed into purgatory, left to circle the track alone, without the benefit of…

I’m a money Alchemist!

I’m a money Alchemist!

Unicorns, the Lock Ness Monster, Dragons, all are mythical creatures.  They exist in fantasy and the imagination of many, yet at one time their legend was so strong that many would have insisted they were real.  A different kind of fantasy was practiced throughout history, as alchemists attempted to combine various materials and substances in order to create gold.  Unfortunately for the alchemists, none were successful.  Then as today, if you wanted more gold, you needed to go and find it hidden within the earth.  No combination of materials, heat…

Looking back can sometimes show us the way forward

Looking back can sometimes show us the way forward

I enjoy reading about others who have achieved financial freedom, it motivates and inspires me to do the same, sometime however, it makes me impatient.  These people are where I want to be, doing things I want to be doing, and yet here I am with student loans totaling $45,668 and a mortgage balance of $113,620. I want to pay off these debts, invest in my tax advantaged accounts, and continue to grow my real estate business.  As you can see, I have several different goals, all competing for my…

$90,000 – Choose your car wisely

$90,000 – Choose your car wisely

All figures in this article are my best estimates based on vehicle miles driven, miles per gallon, and current gas prices ($2.49).  These numbers only include my professional working career which began in August of 2004, and my wife’s career which began in the summer of 2006. I’m the proud owner of approximately 13,005 gallons of gasoline. I don’t own a gas station, nor did I install tanks and a pump in my back yard, as some type of bulk purchase savings plan.  In fact, I only still possess around…

What have you been up to?

What have you been up to?

Today, I’d like to a chance to provide some updates on past projects or themes that we’ve discussed on this blog. Related: Student loans, why I could have paid them off but didn’t. Debt Demolition:  We currently have two loans, a student loan, and a mortgage.  Currently, we are focused on paying down our mortgage in order to obtain a home equity line of credit.  This will allow me greater flexibility in pursuing my real estate investing.  During January and February of 2017, we have only made the minimum payments…

Would you throw cash in the trash? You probably are!

Would you throw cash in the trash?  You probably are!

Have you ever been a scavenger? Kids do it naturally all the time, just this week, as I took my classes outside to enjoy the record warmth, I was presented with all manner of junk.  I received a lacrosse ball (approximately 5 times, as this ball was continually re-found, after I placed it near the door), a crushed soda can, some type of plastic plug, and a golf ball.  Kids naturally find things, their imagination naturally assigns value to these objects. I’m not a big scavenger at the age of…

To save $1,800 – How hard would you work?

To save $1,800 – How hard would you work?

Once, I bought a house. This house came with a tree. Ordinarily, I like trees, but this tree and I do not get along.  Its a wild mulberry tree, which means it grows extremely fast, several feet in one year, quickly negating any trimming.  This tree, grows in a fence row, in the alley beside my property.  The alley is only a walkway, about 3 fee wide, its no place for a tree. Two or three years ago, this tree had branches rubbing against my house and roof.  Not good….

$3,600 for the Right to Work!

$3,600 for the Right to Work!

Have you ever placed a bucket under a facet with a slow leak, just to see if it really matters? I have, and that bucket was full every time I checked.  One little drip, every few seconds equates to a lot of water over time.  If you have holes in your financial plan, money is dripping away and filling someone else’s buckets!  When I saw an article headline stating that American’s have $3,600 per year dripping down the drain, I immediately grabbed some buckets and headed out the door looking…

A Squirrel in the Kitchen

A Squirrel in the Kitchen

In our backyard grows a century old Scarlet Oak. This tree provides abundant shade for the yard and patio while also serving as a squirrel hotel.  The money maker in me would love to charge these little fur-balls a nightly rate, but anytime I bring up this subject, the squirrels hide in the branches and attempt to hit me with acorns.  At this point in our standoff, I’m resigned to observing their daily routine while hoping for a breakthrough. As I watch them gather acorns, hide them in various places…