Common Sense Financial Wisdom From My Wife

Techie Diva presents the HP Magic Giveaway

noreply@blogger.com (The hubby) — Thu, 11 Dec 2008 16:44:00 PST

Techie Diva is giving away $6000 worth of electronics. Hurry now, today is the last day to enter. Here's a snippet from her blog posts. As we mentioned in our teaser post, Techie Diva has teamed...

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All This Volatility Is Driving Me Nuts

noreply@blogger.com (The hubby) — Tue, 07 Aug 2007 00:25:00 PDT

Common Sense Personal Finance All this volatility in the market is really crazy, so I decided to change my strategy. I think that value stocks are more stable during these volatile times. After...

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When The Volatility Dies Down

noreply@blogger.com (The hubby) — Fri, 27 Jul 2007 09:33:00 PDT

Common Sense Personal Finance When the volatility from the market crash yesterday dies down, I think I'm going to invest in some mutual funds. I like emerging markets. I was thinking of investing...

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Before You Do A Balance Transfer Make Sure You Pay Off Your Balance

noreply@blogger.com (The hubby) — Mon, 23 Jul 2007 23:21:00 PDT

Common Sense Personal Finance I almost fell for this one. I have a credit card with 10k balance at 3.99% for the life of the balance. The credit card company sends me another balance transfer...

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I Have A New Stupid Idea

noreply@blogger.com (The hubby) — Sun, 22 Jul 2007 10:50:00 PDT

Common Sense Personal Finance Let's say you need to borrow 80k. And let's say you can borrow 100k or 80k, and they will both be at the same rate. Assuming there is no prepayment penalty and...

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Opportunity Cost -- What Does It Mean?

noreply@blogger.com (The hubby) — Thu, 19 Jul 2007 08:52:00 PDT

Common Sense Personal Finance Another reader mentioned opportunity cost in the comments. Opportunity cost is the difference in return in choosing one action over another action. For example, if I...

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Negative Arbitrage-- What Does It Mean?

noreply@blogger.com (The hubby) — Thu, 19 Jul 2007 08:32:00 PDT

Common Sense Personal Finance One of my reader left a comment about not being able to make money from negative arbitrage. What does that mean? Negative arbitrage is the opportunity lost when the...

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Borrowing Money To Fund A House -- How Stupid Can I Get?

noreply@blogger.com (The hubby) — Tue, 17 Jul 2007 07:52:00 PDT

Common Sense Personal Finance The other day I saw a house that I really like for 500,000. I had no money for a down payment, so I financed the whole thing at 6% interest rate for thirty years. The...

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Borrowing Money To Fund My Savings -- How Stupid Can I Get?

noreply@blogger.com (The hubby) — Sun, 15 Jul 2007 10:19:00 PDT

Common Sense Personal Finance You know what I just did? I borrowed 30k from my home equity line at 7.75%, and I put that into a savings account paying only 5%. I know that everybody is laughing at...

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I Will Teach You How To Haggle

noreply@blogger.com (The hubby) — Wed, 11 Jul 2007 12:20:00 PDT

Common Sense Personal Finance My wife was shopping for some book cases off of Craig's list. She came across a set of book cases for $150, and we scheduled to meet with the lady. When we first met...

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I Like To Struggle Now Rather Than Later

noreply@blogger.com (The hubby) — Fri, 06 Jul 2007 08:07:00 PDT

Common Sense Personal Finance I started saving when I was young. Even when I was going to college and I was flat broke, I would sock money away into a savings account. I maxed out my IRA every...

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How to Provide Value To Your Tenants

noreply@blogger.com (The hubby) — Thu, 28 Jun 2007 18:18:00 PDT

Common Sense Personal Finance First thing about renting your place is that your place needs to be presentable. Repair all the minor thing that detracts from the value of the property, like leaks,...

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First Thing You Need To Do Is To Establish Credit

noreply@blogger.com (The hubby) — Wed, 20 Jun 2007 08:28:00 PDT

Common Sense Personal Finance I'm screening tenants for my rental unit. The thing that strikes me is that most of the applicants don't have credit history. And I'm thinking, "What? How could you...

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Consumer complaints and reviews on Maytag Corporation - Product quality

noreply@blogger.com (The hubby) — Sun, 17 Jun 2007 09:13:00 PDT

More Maytag complaints: Consumer complaints and reviews on Maytag Corporation - Product quality. I have a Maytag Legacy washer for about three years, and now it is leaking. I have to replace it...

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My Company Is Giving Us A Roth 401k Benefit

noreply@blogger.com (The hubby) — Fri, 15 Jun 2007 08:32:00 PDT

Common Sense Personal Finance My company just annouced yesterday that employees will have the ability to put money into a Roth 401k or a regular 401k. My coworker asks me, what is the benefit of a...

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The Parking Cop Is An Idiot? Or Did He Give Me A Break?

noreply@blogger.com (The hubby) — Fri, 15 Jun 2007 07:41:00 PDT

Common Sense Personal Finance Yesterday, I awoke to find a parking ticket on my car. In San Francisco, the city have street cleanings on different days for different streets. Even if you are a...

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How I Screwed My Uncle

noreply@blogger.com (The hubby) — Wed, 13 Jun 2007 07:35:00 PDT

Common Sense Personal Finance As you may have already known, my wife wants to install hardwood floors in our property. As it turns out, my uncle specializes in installing hardwood floors. In order...

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Consumer complaints about Maytag Washers & Dryers

noreply@blogger.com (The hubby) — Sun, 10 Jun 2007 13:26:00 PDT

Have you heard about Maytag washers having a bad design. Recently, my maytag washer sprung a leak, so I started searching on the internet, and I found this article. I don't have the Neptune. I...

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I Will Teach You How To Haggle

noreply@blogger.com (The hubby) — Sat, 09 Jun 2007 23:34:00 PDT

Common Sense Personal Finance All women seem to be born with an innate ability to haggle. It just amazes me how many people fall for it too. For example, I was trying to rent out one of my...

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Buying Preconstruction House

noreply@blogger.com (The hubby) — Wed, 06 Jun 2007 19:32:00 PDT

Common Sense Personal Finance My friend wanted to buy a townhouse in San Jose. She already has one house. This second house that she wants to buy is a preconstruction house. Currently, the builder...

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Offsetting Loss - Huh?

noreply@blogger.com (The hubby) — Fri, 01 Jun 2007 08:10:00 PDT

Common Sense Personal Finance Everyone has heard of offsetting gains, but have you heard of offsetting loss? Offsetting gains is where if you have a gain, you liquidate some badly performing...

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How Much Money Do You Need For Retirement

noreply@blogger.com (The hubby) — Wed, 30 May 2007 23:36:00 PDT

Common Sense Personal Finance I found a nifty tool for doing retirement planning on MSN Money. One of the things that people always ask me is how much I would need for retirement. Well, this tool...

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You Should Create A Balance Sheet To Analyze Your Personal Finance

noreply@blogger.com (The hubby) — Wed, 30 May 2007 08:50:00 PDT

Common Sense Personal Finance You should occasionally do a balance sheet for your personal finance in order to keep track of your money. Here's are the things you need to do: 1. Split your assets...

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Chinese Shares Plunge on Tax: Financial News - Yahoo! Finance

noreply@blogger.com (The hubby) — Wed, 30 May 2007 07:41:00 PDT

There's squeezing in the China's market. China's Finance Ministry tripled the stamp tax from 0.1 percent to 0.3 percent. Chinese Shares Plunge on Tax: Financial News - Yahoo! Finance Will the...

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The Game That Credit Card Companies Play

noreply@blogger.com (The hubby) — Sat, 26 May 2007 08:27:00 PDT

Common Sense Personal Finance As you all know, I rack up a huge amount of debt in just a short amount of time, and I'm floating some of it with credit card balance transfers. I also have a home...

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