• Money

    Surviving the Early Days of Parenthood

    I find the topic of this post to be ironic because I don’t actually believe there is any “end” to parenthood. I also find it ironic because I think I’m still in the throes of the “early days” of parenthood. I have two boys. A 2.4 year old and a 4 month old.  I say 2.4 year old because I don’t know how to address their ages right now. They’re almost exactly 2 years apart. Until the younger one hits his first birthday, I’m going to keep using the decimal system otherwise things could get weird when he’s 11 months old. I’d be telling people that I have a 2…

  • Money

    Marriage: Combine or Separate Finances?

    My 5 year wedding anniversary is quickly approaching. While that can seem like a long time, I have been with the same wonderful woman for nearly 15 years. Before we got married (actually right after we got engaged), we discussed the future of our finances and there was no argument: we would be combining our finances. It was really a non-issue for us. We closed the checking and savings accounts and credit cards that were redundant and kept the ones that worked best for us based on ease of use, branch locations, interest rates, points/miles, etc. My wife and I rarely, if ever, fight about money. I’m very lucky that…

  • Money

    Pay Someone or Do It Yourself?

    During the last snowstorm I was looking out the window enjoying a glass of wine and watching the snow fall. Then I saw a truck with a snow plow pull up to my neighbor’s driveway, spend all of 5 minutes moving the snow around, and drive away. It was clear the plow was hired and was in fact not a friend of my neighbor’s, as the company on the side of the truck is the same one that he has cut his lawn on a weekly basis in the summer. What I saw next really baffled me. My neighbor and his teenage son went out and spent the next 30…

  • Money

    Market Timing – A Fool’s Game

    Time in the market is better than timing the market. The world markets gesticulated wildly last week (Feb 5-9). 1,000 point swings in the Dow and 50 point swings in the S&P were a daily occurrence (sometime multiple swings in one day). Volatility and uncertainty was rampant and it seemed like every other talking head was sure of either one of two things: This is only a minor hiccup in a historic bull market run. Nothing is wrong with the fundamentals. This is the start of a market correction of 10-20% from the highs seen early this year (i.e. January 2018). It seems to me that no one really knows…

  • Travel

    Travel Fridays – Iceland

    Welcome to Travel Fridays! With Friday being my favorite day of the week and travel being one of my biggest passions, I’ll be featuring a new destination on select Fridays with reviews and tips. Of course, these are based on my experiences with specific hotels, attractions, museums, and the like. Next up is a trip that my wife and I took as a 5-day babymoon before the birth of our first child: Iceland. Most people think traveling to Iceland is a haul, but it’s actually a quick 5 hour flight from the NYC metro area airports. You land at Keflavik International Airport, which is about 45 minutes to an hour…

  • Keys to Prosperity

    Personal Capital Review

    I have spent the entirety of my adult life focused on my finances and mine and my family’s financial health. Nearly every day I talk with co-workers, family, or friends that floor me with their foolish (naive?) ideas about alternative investments, spending $X on toy #348, etc. While it was fun to speculate, that’s all I did, speculate. That was the impetus to start this blog. At the same time, I was busy building my financial spreadsheets in Excel and focusing on improving my family’s financial health and increasing our net worth while minimizing the tax effects of our efforts. I spent countless hours in Excel (and admittedly still do).…