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 scottrade.com and bought the ticker IVV or RSP or some other […]