Author Archive | Retire Before Dad

Broken Man

6 Reasons Why Debt Is The Least Of Your Financial Problems

The internet is full of debt pay-down stories and “How To” guides on getting out of debt. Debt is often characterized as the enemy or a ball and chain, but it’s not so bad compared to some broader and more significant financial variables. When looking at the big picture of a personal financial situation, issues larger than […]

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Ireland Cliffs

A Penny Smart, A Pound Foolish

Years ago I went to Ireland with a friend. We rented a car and drove from Galway to Kilkenny via the southwest peninsular route. Ireland is awash with beautiful landscapes and scenic drives lined with intricately built stone walls. The roads, however, can be narrow and tricky to navigate at times. One morning in a […]

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BB Featured

Bollinger Bands – Basic Technical Analysis For Dividend Investors

It’s time for another installment of the series, Basic Technical Analysis for Dividend Investors. Last time, I introduced the subject of technical analysis and suggested that it should only be used as a secondary and supplemental tool after exhaustive fundamental analysis. This post will discuss one of my favorite technical indicators, Bollinger Bands. Technical analysis […]

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FeaturedTechAnalysis

Basic Technical Analysis for Dividend Investors

Does technical stock analysis deserve a place in a dividend investor’s tool belt? Yes, I think it does for adding insight to short-to-mid-term trends and pricing. But technical analysis should only play a secondary and supplemental role after exhaustive fundamental and qualitative analysis. Some dividend investors may steer clear of technical analysis entirely because it […]

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That’s The Way I Want To Go

Two men from very different places in my life passed away in recent years. Both died almost instantaneously and without any forewarning. Both died in the presence of their peers. One died in retirement. The other died while still working. Loss of a Coworker One morning I learned that an hour before I arrived at […]

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Photo credit: <a title="http://commons.wikimedia.org/w/index.php?title=User:Artyominc&action=edit&redlink=1" href="http://commons.wikimedia.org/w/index.php?title=User:Artyominc&action=edit&redlink=1" target="_blank">Artyominc</a>

The Holy Grail of Travel

When it comes to time, money and travel, people fall into one of four categories: Backpackers – Lots of time, but a finite amount of money Vacationers – Enough money, but not much time Broke People – No money for travel and very little time Financially Independent Travelers – All the time and money needed […]

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KB Hutchinson

Spousal Roth IRA – Double Your Tax-Advantaged Savings

We opened a spousal Roth IRA in my wife’s name in 2013 and contributed $5,500 to both her’s and my Roth that year. We’ll continue to contribute the full amount to both of our IRA’s every year going forward, as long as we don’t hit any income limits. Mrs. RBD works her ass off as […]

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Transferring stock from Computershare to TD Ameritrade

Transferring Stock from Computershare to TD Ameritrade

  Note: This same process holds true among other brokerages. For transferring shares to M1 Finance, the no-fee online broker for long-term investors, contact the transfer department in the FAQs for concierge service. M1 Finance is now 100% free.  Read my M1 Finance Review here.  I recently made a simple move that increased my passive […]

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I snapped this shot while riding in a similar bicycle taxi.

Myanmar And The Ugliest $1 Bill I Ever Spent

A while back I read a cool guest post by Money Graffiti on Budgets Are Sexy about the legality of writing on dollar bills. You can read it here. It reminded me of a story from my 14-month backpacking trip about a special and very ugly dollar bill. A consistent necessity throughout my trip was exchanging […]

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1973 Cable TVGuide Square

Bye Bye Cable TV

During a long drive over the Christmas holiday, my wife and I discussed ways to simplify our lives, become more productive and save more money. In my 2014 goals post, I mentioned ways we’d simplify our financial lives, but I left out this particular money and time saving action item. We really enjoy shows on […]

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P & G Logo

Procter & Gamble DRIP – Still a Smart Investment?

Update: I received an email indicating PG has left Computershare for Wells Fargo Shareowner Services and is raising fees. I find this disappointing as we’ll need new accounts at WF. Because of the fees I no longer recommend the Procter & Gamble DRIP. Revolt Against Fees! For information on how to transfer shares out of a DRIP, […]

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Merrill Intern

My Merrill Lynch Internship Experience

Early on in college, I designated the summer of 1997 as the time to get an internship in finance. Other summers I spent working at the beach or goofing off in my home town. Headed into my senior year, it was time to get serious and start building my career. Merrill Lynch offered me an […]

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For Against Keys

Proxy Voting and the Worst Job I Ever Had

Prior to a company’s annual meeting, shareholders receive a package in the mail or via email. It contains an invitation and some documents known as proxy voting materials. The proxy voting package outlines upcoming proceedings that will take place at the annual meeting. Usually this includes voting on the Board of Directors, confirmation of the […]

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Senator William V. Roth, Jr.

Utilize the Roth IRA for Early Retirement

Are you interested in learning about using the Roth IRA for early retirement? Anyone seeking financial independence must understand how to utilize the Roth IRA for early retirement in the context of their own retirement plan. Its usage will not be the same for everyone. Government incentives and laws consequently shape and complicate all of our […]

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