Consistency is the secret to everything you want

I started a work out program this week. Its the same program I’ve started at least 6 times now and have stuck with for maybe a week.  Then I’ll usually tell myself:  I can’t dedicate all this time to it.  Then I’ll move on to something else. I started studying for an industry certification a […]

Refinancing Again?

Like Ben Bernanke I’ve refinanced twice in the last 2 years. Generally, if you plan to stay in your home forever it makes sense to refinance when the rates fall 1% or a ‘point’ below your current rate.  If the interest rate on your mortgage is 4.375% and you can get a better rate for […]

Why you should mess around with stocks

In case you weren’t paying attention, the S&P 500 is up 14.33% from the start of the year.  The Dow Jones is up 8.91% from January 2012 until today September 8th, 2012.  So if you did nothing January 1st but created an account at and bought the ticker IVV or RSP or some other […]