Once, during a friends and family get together (of course, pre COVID times), I started an engaging conversation with a 21 year old who had just graduated and was exploring his opportunities in the world. Very soon the topic moved into stock investing and he started asking questions about investment strategies. My first response was to tell him that I was, no way, in a position to advice him about investing given I knew very little about his goals and growth potential. Nevertheless, he wanted to know how I started doing it. After a few days I met him again and he had more questions and that led to me thinking about writing this blog post.
Here are few of my thoughts and my approach in investing which could help a person starting in the wide world of investing.
Continue reading “My Stock Investing Journey”
Situations arise where we need an email account setup using the domain we own. Like in my case, with my side consulting gig, it became more important for me to have a real email with my business domain name to present myself professionally.
Having an email for your business or blog with the domain provides a higher level of professionalism which cannot be achieved using a Gmail or yahoo account. At the same time, it helps segregate emails coming from my family and personal contacts to the ones I receive from my business contacts.
Continue reading “Create an email account with your domain name for free”
In a recent poll conducted by NBC showed that 75% of millennials in the US are in some form of debt. A quarter of millennials — those 18 to 34 years old — are over $30,000 in debt, including 11 percent who are over $100,000 in debt. Only 22 percent of millennials are debt free. This has caused many to hold off some of the key milestones in their life.
There was time in my life, as well, when I had approximately $36k in revolving debt and these did not include my mortgage, car payments and others. Over a period of 4-5 years, I was able to turn around my financial situation to just the house mortgage debt and approximately $125k savings in the bank. How did I do it?
Continue reading “4 Simple Debt Management Tricks and Tips”
Managing personal digital information is crucial in this day and age. These materials can include digital photographs and videos, documents, e-mail, website passwords, and quick notes.
In this post, I will go over four apps or services that will help you become a Pro on managing you data. It may not necessarily work for everyone in every situation. Nevertheless, they do help in consolidating the information and manageable format.
Continue reading “Manage your digital data like PRO using these 4 apps”
Traveling with kids is not easy and it gets worse when it is a long haul international flight. Over the past 5 years, my wife and I have had 10 trips which includes 11 countries with our now 12 and 7 year old children. Obviously from these number of trips, it is evident that we love traveling. My kids love them as well and are always look forward to the next trip.
Among all this, there was (emphasis on the “was”) something they hated. It was the plane ride, the waits at the airports for security check ins, at the gates before and at the time of boarding and finally immigration when they get back. I could not disagree with them as I hated these too but being an adult, but I was not in a position to complain.
Continue reading “Traveling with Kids? Do these to take the hassle away”
Having been using Lending Club as an investing platform, here is my experience….
I had been reading a lot on generating passive income. Few of the blogs mentioned peer-to-peer lending as a way to diversify investment portfolio. Lending Club and Prosper were the two popular vehicles. Not having tried this platform, I decided to start small.
Today I wanted to bring up my experience after two years of investing on Lending Club.
Continue reading “Lending Club Review – My 2 year Investing experience”
UPDATE: In August 2019 Automatic made a decision to move to an optional subscription model of $5/month to get all the features explained in this post. At the same time they decided to expire the existing hardware from the time of writing this original post and replace with another model. I was disappointed, at the least to say, of this change making my OBD hardware obsolete and having to not only buy new hardware but also enroll in a subscription plan to get the benefits. I have since then decided to stop using the product.
I have left the original post as it did impact my driving habits and it has sustained even to this day.
Connected cars were one of the big highlights at the 2018 LA Auto Show in November last year. Almost every brand had their own version, showcasing the unique features they had to offer. One of the features that interested me was the Mercedes mbrace service wherein a customer specialist at Mercedes is notified in the event of an accident or collision. Now, this is not a new concept, similar services are offered by On-Star. The part I did not like was the monthly subscription fees for the service.
One day, I accidentally, stumbled upon a social media ad of Automatic Car Adapter. It was $69.99 for a unit at that time and there were no subscription fees for the accident notification service. I decided to give it run.
Continue reading “A little gadget that drastically changed my driving habits”
With energy costs on the rise, every home owner should be looking into ways to cut energy usage thereby saving costs and reducing carbon footprint. When we had bought our new home in 2014, the house came installed with all the standard fittings such as CFL lights, programmable thermostats, energy star appliances, etc which are considered energy efficient systems.
Here are 4 simple things to save energy consumption.
Continue reading “4 things a home owner should do immediately to save on energy costs”
I, personally, feel landlines are a thing of the past. We’ve had a landline phone connection through our Comcast subscription. Due to constant sales calls, we started ignoring it and in some case led us to missing some important calls like from our kids school. Monthly we were paying $30 for a service that was not providing a value to us.
Since we both had our cellphones with us almost all the time. It was time to eliminate land phone service, but then we ran into issues where we needed to provide a “home” telephone number. So I started to check on other free options or even a low cost option. Continue reading “Save $30 or more per month on your phone costs”
We have been home owners, living the American Dream, since 2009. Our first starter home was a 1,600 sq.ft town-home with three tiny bedrooms. With our second child born in 2012, we had out grown the house by two fold. However it was not until 2014 that we finally decided to move into a 3,400 sq.ft new construction house. If it was today, we might have gone smaller, probably in 2,400 sq.ft. range but our justification at that time was the possibility of our aging parents coming to live with us. Regardless, we felt it was good time to buy a house as the housing market was beginning to recover from the Lehman crash is 2008.
After couple of months of house hunting, we finally decided on a new construction neighborhood which met most of the items in our list.
Continue reading “Shave off years in mortgage by a small change in monthly payment”