How I save $110 a month on TV (Includes Review of Sling TV).

About 2 years ago, my cable+internet bill had reached $180.  I was fed up with the cost.  I really only watch TV to watch news and sports.  Being a sports fan (mainly college football), I had ESPN, ESPN2, and ESPNU.  After calling the cable company and not having any options to lower my bill, I decided to look at other options.  I came across Sling TV, which is a streaming service that offers the ESPN channels.

I signed up for the free preview and decided to make the switch.  My Sling + Internet bill is now a total of $70, a savings of $110 per month.

A Funny Thing Happened when I Called to Cancel Cable TV

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My Biggest Investment Mistake and Why I don’t buy Individual Stocks!



We are all human and err from time to time.  The key is to learn from the experience and not make the same mistake again.  I will discuss my biggest investing mistake and what I have learned from it.

We have all seen the investing advice:  buying this stock will make you rich, and this stock will set you up with a long term dividend income streamWhen I started investing, I listened to this advice….and I paid for it, literally!

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My experience buying a $2500 house

I bought a house for $2500 a few years back at the tail end of the real estate downturn.  I was surprised (as I’m sure you are!) when I found it available.  I bought it directly through the county office, as the previous owner did not pay their taxes.  When you buy a property like this, you don’t know what you are really buying until you own it as you can’t go inside.  When I bought it, I was wondering if I made the right decision.

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Recent Purchase – How I bought into 500+ Dividend and Dividend Growth Companies

From my recent post on midyear goals, I stated that I wanted to direct contributions into more dividend and dividend growth stocks.  By wanting to increase my passive income, I am directing a higher percent of my monthly contributions towards dividend stocks.  In this post, I will discuss my approach.

How did I buy into 500+ Dividend and Dividend Growth Companies?

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Dividend Growth vs. Total Return Strategy (Decisions, Decisions, Decisions)

So here I am again, working to determine the investment strategy I want to follow to hopefully lead me to a path of financial independence.  This post will tackle something that I have wondered… Which strategy is better?  Dividend Growth or Total Returns?  I know there are a lot of passionate bloggers for each approach.  This post will explore my thoughts and an analysis to help me think about it.

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Simulation: 2017 Grads Avg Salary by Year for Career

Congrats to the Class of 2017!  I hope you find have found jobs that will be challenging and will lead to a long career in your chosen area.

This post explores the likely progression of your salary over time.

According to a Time article, the average starting salary for a 2017 college graduate is $49,785 and for engineers it is $63,036.

Let’s look at a simulation to see how your Salary will likely grow by your age.

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What really is passive income? (Real Estate and Boxing don’t mix!)

There are a number of potential ways to generate income, including a job working for someone, working for yourself, investing in real estate, investing in the stock market, side hustles, peer to peer lending…..  You get the picture.

My definition of Passive Income is money that makes itself, without any effort required.  It is truly having your money work for you.

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S&P 500 Dividends for Passive Income? (Decisions, Decisions, Decisions)

I am at a phase where I would like to start to increase passive income to get to a point where I can live off of it.  This will take years and good planning.  I have not focused on passive income up to now, and I will be exploring several options to increase passive income.

Today:  The S&P 500 Dividends

Since graduating college, I have saved a little each month in a Vanguard S&P 500 Index fund.  I took a finance class, and the professor recommended to  save in a S&P 500 Index fund before venturing into individual stocks or other investments.  He was a wise man and I appreciated the advice he passed on.

Are S&P 500 Dividends a good source of passive investment?

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Personal Finance is Confusing!

If you are like me, I’m sure you have a lot of questions about Personal Finance.  Here are a number of the questions I have had.  I will briefly share my thoughts about these topics in this post.

  • Should I even save or invest at all?
  • Should I invest in a 401k?  Pre-tax 401k or Roth 401k?  How much should I contribute?
  • Should I invest in a Roth IRA?  Should I invest in a Traditional IRA?
  • Should I invest in taxable accounts?
  • Should I invest in Individual Stocks, ETFs, or Mutual Funds?
  • Should I listen to the advice I am given?

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