Archive | Investing

M1 Personal Finance Free

M1 Finance Review: The Future Of Personal Finance Is Free

We learned of some game-changing news in the online brokerage industry yesterday. One of the most innovative modern online brokers in the space, M1 Finance, announced they have eliminated all fees for all investors. So I wrote this M1 Finance review to introduce readers to the platform and share my experience so far. This announcement makes M1 […]

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Santa Claus vs. Warren Buffett – The Final Unwrapping

This is the fifth annual review of Santa’s stock portfolio. Since I started this website in 2013, I’ve been tracking the investment portfolio of Santa Claus, the foremost expert on Christmas and the holiday shopping season. He’s such a prolific investor he even has a stock market rally named after him. Santa’s stock portfolio is a […]

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PeerStreet Review: Low-Risk Real Estate Investing

Happy Thanksgiving, everyone! Here’s a review I recently wrote that I haven’t shared with subscribers yet. I’m investing on the PeerStreet platform and really like the user experience and returns so far. It’s similar to Lending Club but for real estate. It’s for accredited investors only at this point so not everyone can invest. But if […]

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Getting Started

If I Were Getting Started With Investing Today, Here’s What I’d Do

Sometimes I assume my blog audience is a bunch of 42-year-old Dads like me balancing work and kids while building income streams. But the emails I get tell a different story. Many readers are beginner investors only recently finding my website and getting started with investing. Some are young. Some are not so young. With all […]

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7 Income Streams I Earn While Unemployed

Of all the financial advice I read and practice, the one nugget that continues to drive my decisions is to build multiple income streams. Having experienced two major economic downturns (2000, 2008) as a salary earner and investor, and watching ordinary people get hit hard by the impact of each, I’ve learned to build moats to […]

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10 Life-Altering Money Moves You Can Start Today

Very few decisions during your time on this earth actually change the trajectory of your life. After a party in 2007, I scanned the huge Evite email list to try to find a woman I met there. Then I ‘stalked’ her on Facebook and asked her out. We have three kids together now. Though truly […]

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Why Your 401(k) Is Broken (And How To Fix It)

My 401(k) savings have grown to a plump 6-figure level after 14 years of participating in my employer’s plan. For 13 of those years, it was a very crappy 401(k) plan due to poor fund selection, high expense ratios (fees), and third-party adviser fees. The third party did nothing after 2004. But they still took fees […]

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Fundrise Review: Passive Income via Real Estate Crowdfunding

Fundrise is a Washington D.C.-based real estate crowdfunding company enabling non-accredited investors to invest in high-quality real estate from their computer or smartphone. Investors can earn 8%-10%+ yields via one of the most passive income streams I’ve come across. After six months of investing on the platform, this is my Fundrise review. Update 12/08/2017: Fundrise […]

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Windmill

How To Invest With A Conscience

Is it possible to invest with a conscience? Among the many excuses to not start investing is concerns about investing money in the big mean corporations… according to what comes up in my Facebook news feed. You’ve heard it before… Walmart doesn’t pay for enough health insurance. Exxon pollutes. Monsanto unleashed an army of rabid nanobots […]

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Speculative Investments

When Speculative Investments Pay Off Big

About a decade ago, I was hanging out with a good friend of mine who’s a veterinarian. At the time, I was always looking for speculative investments. So I picked his brain about the profession. When I asked if any specific companies were notable in veterinary medicine, he mentioned one called MWI Veterinary Supply. The […]

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Lending Club Review For Investors – Four Years of Solid Returns

Google announced its purchase of a minority stake in Lending Club in May of 2013. That event opened my eyes to the potential of earning passive income via peer lending. Four years of investing later, Lending Club has delivered consistent returns for my overall portfolio of investments. This Lending Club review will share my personal performance numbers […]

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Coca Cola DRIP

How My 20-Year Investment In Coca-Cola Has Fared

20 years ago, I was a college junior enrolled in investing and corporate finance courses. Being freshly educated about the time value of money, I knew my youth was my most powerful investing advantage. But I didn’t have much money. A few years earlier, my Uncle gifted me one share of Chevron stock through the […]

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CliffO

“As Long As The Stock Market Doesn’t Crash”

I ran into my former coworker, Bob, in the office lobby the other day. We started talking about retirement. He’s planning to fully retire later this year. He’ll be 62-years-old. The last time we spoke about retirement, his target age was 67. I congratulated him for being five years ahead of schedule. He’s one of […]

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