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When it comes to long term investing, I believe that you should focus more on dividend yields and cash flow versus speculation and share price appreciation. While this might mean avoiding sexy names like Apple (AAPL) and Amazon (AMZN), there is nothing unsexy about constant cash flow with regards to your assets.

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Dividend Income [...]

Investment advisers and the investment industry has continuously stressed the importance of diversification and asset allocation, however investors have often ignored this, as they were too busy chasing high returns. Since the market meltdown over a year ago investors have learned a hard lesson that asset allocation is vital to an investment portfolio. In this [...]

The Cash for Clunkers Bill (aka. Gas Guzzler Rebate) entitles you to a $3,500 or $4,500 credit for trading a drivable car made within the last 25 years, with a combined city/highway fuel economy rating of 18 mpg or less to a new higher fuel efficiency car. If the mileage improvement is 4 mpg or [...]

I’ve never owned a vehicle. It’s awfully inconvenient to not be able to drive around. My commute takes twice as long via bus than if I were to drive. Going to grocery store is a pain, and I have to align buying toilet paper with the generosity of friends. Going out for dinner with my [...]

This article is part of the Money Matters for All Ages group writing project being conducted by the M-Network and other blogging friends. See the bottom of this article for the full list of participants and links to their articles. Please check back daily, as I will update the links as new articles are posted! [...]

Last Friday, my friend at Mrs. Micah: Finance for a Freelance Life started a writing project that asked us to share our best PF practices of the year. I thought it was an excellent way to wrap up the year, so I will add my two cents here. I wanted to refer to my old [...]

This is a guest post I wrote for BeingFrugal.net on September 20, 2007.
In “The true earning power and the real cost of luxuries,” I discussed the concept of true earning power. If the thought of making only $3.85 from a $30 per hour wage does not motivate you to be more frugal, here are [...]

This week lesson with my wife was about different investment vehicles. I am not an investment guru, so our conversation was mainly around the ones we do use. However, I did some Google searches and included other investment vehicles I do not use for the sake of completeness (links are pointing to Wikipedia).
Various Investment Vehicles

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I think I’ve developed a mild case of obsessive-compulsive disorder. I constantly check my blog traffic stats, emails, and discussion forums to the point where it became counter-productive. Does refreshing my browser repeatedly to see updated stats and new discussions in various forums help me reach my goals? No, not at all! I do not [...]

There are a lot of sites that help you determine how much you need to save for retirement to maintain your lifestyle. I have never been comfortable with them because they usually don’t share the logic behind their calculation. So I came up with the following 3 easy steps to calculate my own retirement needs.

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