The Impulse Buy and Dumb Purchases

Have you ever bought something that later on, you regretted purchasing? Have you ever spent more for something than you needed too or simply should have? Have you bought something that seemed like a great deal but it turned out to be more of a rip off? If you keep saying no to all of these questions then you either live in a cave or you’re not being very honest with yourself. Anyways, a few weeks ago I had one of these experiences. Continue reading “The Impulse Buy and Dumb Purchases”

The Overflow

When I ran across a Christian music streaming service similar to Spotify but for only Christian music, I was excited. Part of the excitement was the fact that the monthly price was half that of most music streaming services, $4.99. I will also mention this was the first streaming service I’ve tried. I’m still stuck in the days of buying to own. But this service stuck out to me for another reason beyond the price. They advertised exclusive devotionals from leading Christian artists which led me to sign up for their 7 day trial. So if your a panhead or love to throw up your rawkfist read on to learn more about this service. Continue reading “The Overflow”

Good News for Retirement Savings

I talked about it before, when it comes to saving for retirement, time matters. According to Chase Bank, Baby Boomers began saving for retirement at age 40, Gen X began at age 30 and Millennials began at age 23. This is a big deal. The earlier you start saving, the more time your savings has to multiply. It gives more room for the rule of 70 to work its magic. Continue reading “Good News for Retirement Savings”

NFL Struggles Continue

It’s been on the news a lot this year, NFL viewership is down. The once mighty beast that no one thought could be slayed has been taken down…a little. The odd part is the NFL doesn’t seem to know why they are struggling. Despite all the money they make and all the power they have, they simply can’t figure out why viewership is down. They’ve blamed it on the election, the World Series and other events that have stolen their thunder. But if they don’t know what is going on then how do they expect to fix it? This is a situation that no business wants to be in because their hopes are simply in the hands of fate and wishful thinking. Continue reading “NFL Struggles Continue”

The Death of Scottrade

Do you have a company that your fiercely loyal to? A company who might not be the best in the industry but you love them flaws and all? For me that company is Scottrade. Recently the news came out that TD Ameritrade was in the process of purchasing them. Needless to say I was devastated. Is this an overreaction to something that happens everyday? Probably but Scottrade is not something that can’t be easily replaced. Continue reading “The Death of Scottrade”

It’s Finally Over

You know what I’m talking about, the elections. No matter how you feel about your local, state and federal elections, the fact of the matter is, they finally all are over for this year. I’m pretty sure I just heard the entire US cheer but any polls you read would defiantly show the opposite. I know, it was a bad joke but I’m not even going to delve into politics with this post. What I will delve into is something I’ve been talking about since I started this blog and it’s something I will be talking about for a very long time. Continue reading “It’s Finally Over”

Where to Now

If you haven’t heard about it elsewhere, you can read about here on my blog. Stocks are overpriced compared to historical metrics. One big reason for this has been an earnings recession that has continued to drag on. The S&P 500 index has seen year over year earnings decline for five straight quarters. These declines haven’t been massive like the ones during the recession but it is not good that prices were rising while earnings were declining. I do believe there are some glimmers of hope on the horizon but not everything is clear quite yet. Continue reading “Where to Now”

A Bite Out of the Apple

Apple continues to struggle. They’ve been the darling of the stock world for years and yet they are continuing to have trouble. Their Q4 results showed a revenue decline of 9%. Every company experiences this from time to time but what is troubling is the declines were almost across the board. Iphone sales down 5%, Ipad sales down 6% and Mac sales were down 14%. All core products and nothing but declines. Their other product category was also down a massive 21%. The one segment that wasn’t down was their service business. It rose a whopping 23.5%, keeping their performance from being an utter disaster. Their stock obviously took a hit due to this news. So what is the problem? Continue reading “A Bite Out of the Apple”

Oh How it Grows

I’m sure you’ve seen and heard all of the stats about people not saving enough, spending too much and simply put their pile of debt is suffocating them. If you haven’t read about it elsewhere, you can easily read about it on my blog. But instead of focusing on more and more numbers and stats I want to shift focus with this article to encouragement. Four simple words that you might have once believed but you no longer do. You can do this. Continue reading “Oh How it Grows”