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Archives for March 2016

Career Insurance: Protecting Your Most Valuable Asset

March 31, 2016 By ESI Leave a Comment

Businessman working on computer and showing thumbs up

For the vast majority of people, their career is their most valuable financial asset. Nothing else they own is likely worth as much (several million dollars over a lifetime). And even if they do have something more valuable (like an investment portfolio), it was probably earned as a result of their career. As with anything valuable, you need to take steps to protect your … [Read more...]

Filed Under: Career, Insurance

The Day My Most Valuable Asset Took a Hit

March 28, 2016 By ESI 19 Comments

Businessman holding cardboard box moving out of office

Many ESI readers are friends of mine and know about a career move I made a couple years ago from Michigan to Oklahoma. Several have asked me to give an update on that move and how I ended up in my new state of Colorado. It's a story full of twists and turns (and some good learnings), so I thought the rest of you might want to hear it as well. Backstory Just to get … [Read more...]

Filed Under: About, Career, Earn

Six Times It’s Easy to Ask for a Discount

March 24, 2016 By ESI 1 Comment

Pink piggy bank with coins near it

A few years ago when my mom was ill she had to stay in a hospital away from her home. My dad got a hotel room for $89 a night initially, but when it was apparent that his stay would be longer than expected, he asked the manager if he could get a "long-term rate". The manager said he could and agreed to let my dad stay in the same room for $67 a night from that day … [Read more...]

Filed Under: Save

How to Earn Thousands with Credit Card Rewards

March 21, 2016 By ESI 19 Comments

Three credit cards fanned out

As I noted in Earn Overview: How to Grow Your Income one way to pick up some extra funds is to look for small opportunities to make money here and there. Today we are going to talk about one of those opportunities: making money with cash back credit cards. The idea is as simple as using a credit card to make your purchases and earning rewards and signup bonuses for doing … [Read more...]

Filed Under: Earn

Do I Need to Add Physical Gold and Silver to My Portfolio?

March 17, 2016 By ESI 16 Comments

Stack of gold and silver bars

A few years ago I read a copy of Buy Gold and Silver Safely: The Only Book You Need to Learn How to Buy or Sell Gold and Silver. I was considering buying gold and/or silver at that time, but the rest of the world was as well and prices were sky high. I decided I would not buy at that point but revisit the subject once prices normalized a bit. Fast forward a few years and … [Read more...]

Filed Under: Invest

Why I Use a CPA to Do My Taxes

March 14, 2016 By ESI 6 Comments

US tax form 1040 being filled out

When it comes to financial issues, I'm generally a do-it-yourself guy. I don't need a financial planner because I'm my own financial planner. I don't need an investment advisor because I'm my own investment advisor. And the list goes on. I figure that if I know how to do something, why do I need someone else to tell me how to do it? Besides, no one cares more about my money … [Read more...]

Filed Under: Taxes

Why I Invest with Index Funds

March 10, 2016 By ESI 20 Comments

Businessman moving a pawn on a chess board

I've commented here a few times that I have a good portion of my assets in index funds of various kinds (US stocks, international stocks, etc.) Today I would like to give the reasons I have used index funds as my primary investment vehicle for the past 15 years or so. Before I begin, I'd like to make a book recommendation. If you want a great and detailed read on why index … [Read more...]

Filed Under: Invest

The Best Personal Finance Books of All Time: The Millionaire Next Door

March 7, 2016 By ESI 8 Comments

Shelves of books in a library

I have read hundreds of books on all sorts of financial topics -- general money management, investing, retirement, and on and on. Unfortunately the vast majority of them aren't worth the paper they are printed on. They are poorly written and contain little valuable information. That said, there are many books that stand out for one reason or another -- and I mean this in a … [Read more...]

Filed Under: Books

Financial Details of My Real Estate Investments

March 3, 2016 By ESI 47 Comments

Drawing of house with various investment words pointing to it

Now that I've shared how I got started in real estate investing, I thought I'd give you the details on my rental properties. Before I get into the specifics, I want to share a few general comments: There are three properties with a total of 14 units. They are in-line with my real estate objectives and strategy. Before I purchase any property, I run financials … [Read more...]

Filed Under: Invest, Real Estate

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