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Apr 272015
 

Tweet Let me start off this post with a bit of a scandalous statement. I know, WHAT A SURPRISE, huh? Most personal finance books are trash. Okay, they’re not trash. It’s just that if you’re an intermediate or advanced student of the subject, most will be filled with stuff you already know. Authors cater to the lowest common denominator, because that’s where the dollars are, yo. For people just starting out, this isn’t a bad thing. If you know nothing, everything is going to be enlightening. But for people who Read More […]

Apr 242015
 

Tweet Ah, cliches and rules of thumb. Because if there’s anything that’s predictable, it’s a human’s ability to take a complex subject and boil it down into one pithy sentence. My favorite example lately is John D. Rockefeller. I just got finished reading a mammoth 800 page biography on the may, which chronicled everything from his tumultuous childhood to his dirty old man stage, which I can assure you, was quite delightful. He pioneered everything from vertical integration to using science to improve his refining yield. His institute revolutionized charitable Read More […]

Apr 222015
 

Tweet To save time, circle the choice that best applies. Hey, (friend/Facebook acquaintance/person I met that one time while drunk but am Facebook friends with for some reason): Thanks for taking the time out of your busy schedule to email me! I really appreciated hearing from you. And congratulations on finally (paying down your debt for good/finally leaving this damn town/starting your own business/other). I know it can be a tough step to take the plunge and admit to the world that you’re going to do something to make your Read More […]

Apr 202015
 

Tweet Here’s a question for you guys. How do you sleep at night? No, dammit. That’s not right. Are you going to stop DICKING AROUND and actually ask the question? Who are you talking to? I don’t know. Let’s get to the damn question. Why exactly would you own bonds in a portfolio? There are a few reasons, like: Interest payments, yo. Even if they do suck these days Balancing the portfolio Take some of the risk off equities These days, owning bonds is less about the yield and more Read More […]

Apr 172015
 

Tweet If we got together and made a list of reasons why the average person buys a brand new instead of gently used car, it would probably look a little something like this: Reliability Actually frugal since they intend to drive it into the ground Uh, I dunno New cars aren’t *that* much more than a used car Stop asking me, geez Let me add another reason, one that exists but nobody ever mentions. Vanity. Yes, even though the PF world constantly likes to point out that we’re not the Read More […]

Apr 132015
 

Tweet If I was in a Starbucks, I’d be the living embodiment of a digital nomad’s wet dream. But I’m not. I’m currently sitting in a Dunkin Donuts in Ulsan, South Korea, listening to the same shitty half Korean/half English Dunkin theme song, which plays approximately every six minutes. Come on, Dunkin. You ALREADY have me here. I’ve already exchanged $3 for an english muffin so bad that even Guy Fieri hates it, and we’ve established that guy would eat a pizza laced with motor oil. There’s no need to repeat it Read More […]

Apr 102015
 

Tweet If you listen to the internet (which, I cannot stress enough, is something you should never do), there are a few things that are greater than whatever this generation’s sliced bread is. FaceTime? (My MacBook did that edit automatically, because Steve Jobs lives inside. Oh, you actually believed he’s dead? His body is dead, but his mind is very much alive.) Taking crappy pictures of your food? Selfies? I assume the kids all like these things. Traveling the world is probably tops on that list, because travel has become Read More […]

Apr 082015
 

Tweet This week, the feds sent the personal finance community into a bigger tizzy than that time I flexed my pecs by letting it leak that the TFSA contribution limit would double to $11,000 per year, starting in 2016. For savers, this is pretty good news. According to stats I found in the deepest depths of the internet (next to the horse porn), only 17% of Canadians have be able to sock away the maximum allowed contribution, which currently stands at $31,000. In fact, the TFSA is so poorly used Read More […]

Apr 032015
 

Tweet Let’s talk a little bit about benchmarks. No, those aren’t benches in the park. COME ON PEOPLE THIS IS IMPORTANT SHIZZZZZZZZZ. The argument goes something like this. If you’re not beating the S&P 500, or TSX Composite, or The Dow Jones Industrial Average, or whatever easily matched index, then you might as well switch to passive funds and help the investors of Blackrock Investment Management get slightly richer. Those suckers, trying to “actively” invest. Let’s all point our fingers in scornful laughter! Don’t piss yourselves, morons! Sorry. I am Read More […]

Mar 302015
 

Tweet You know how all the politicians talk about the middle class like they’re a group of people who can turn broken monitors into delicious pizza? The media does the same thing with small investors. “Oh, the financial industry is so bad! Only the rich can navigate it successfully! Whatever will we do with the small investors?!?!?!?” (hits fainting couch). Okay, it’s not that bad. They do have a point. Let’s say you’re just starting out and you have $10,000 to invest. Your options include: Go to a bank and Read More […]