- Consolidate an old Scottrade account into main Schwab account. I already did this with old E-trade and Fidelity accounts and I appreciate having less account logins and tax statements to deal with. Makes the most sense to do this during 2016 tax year. And easy to do by faxing a few forms in to get the process rollings.
- Look into opening SEP IRA. I make a little bit of money from online stuff. Generally I put all the proceeds from this into taxable account in Schwab Total Stock Market Index Fund (SWTSX). A SEP IRA would allow contributing around 20-25% of profit into the account. Not a huge amount of savings but may still be worth it.
- Calculate cost saving of recent mortgage refi and planning to pay, if any, extra principle payments.
Thursday, November 17, 2016
Monday, September 12, 2016
The past two cycles with >$25 available to reinvest, I noticed there weren't any A notes to choose from. Not one. Overall I've seen a decline in available notes and seemingly less activity with other borrowers. Of course Lending Club has been in the news recently with some controversy so this clearly has driven away both borrowers and lenders. Add us to this list.
So it makes more sense to move this money away from P-P lending and into our Schwab Total Stock Market SWTSX fund.
Notes on our experience with LC:
Started account at $500. High water mark $757.98 with a net annualized return of 5.07%.
Tuesday, May 17, 2016
Today the perfect one showed up: Chevron/Texaco gift cards. We have summer road trips planned so I jumped at the chance to grab some discounted gas cards.
Paid $184 for two $100 gas cards for Texaco/Chevron
eBay Bucks = $3.68 refund
Citi Double Cash = $3.68 refund
Total rewards refunded = $7.36
Total cost equals $176.64 for $200 worth of summer gas.
Tuesday, February 23, 2016
With that stay we've essentially depleted the remaining Brit Ait Avios we had. And haven't had a travel rewards for awhile. Been happy with Fidelity Rewards Visa and now the Double Cash Mastercard. This year however, I want to churn some travel rewards up. So step one is to rack up some air miles.
We both just signed up for the Citi Platinum AA 50k promo with $3k spend in first 3 months. That is 100k for the two us. But... I've also read if you call up Citi they can increase it to 60k each - 120k total. So I gotta call and ask. As they say, if you don't ask....
- Step 1 - Air Miles - AA 50k promo (maybe 60k) - working on the 3k spend
- Step 2 - select a hotel rewards card to open .... researching options....
- Step 3 - pick a trip
Thursday, January 07, 2016
New year, new list of goals. Keeping it simple, here are a few I'm aiming at this year.
- consolidate investment accounts
- grow side-hustle money
- tweak monthly retirement savings
- some home improvements
- CC churning for free travel
- declutter possessions
- learn some spanish
- expand home veggie garden
- better weekly planning with Five to None
- blog more!
Friday, November 27, 2015
Well, I have. And it's time to kick that corpse and raise the dead blog! Sure, zombies are a major interest in pop culture today. So how many zombie blogs are littered around the internet? You can either kill them …. or raise them up with a pulse. They can't do that shit on the Walking Dead.
So stand back and watch this shit happen, right here on WFM! The puny PF blog with grit.
Thursday, December 26, 2013
But here we go again. This time it will work. Just this past week I found 4 flashlights around the house that haven't ever been used. Or maybe used once. Crazy thing is, there are a few more flashlights around that aren't used.
I have something like 5 headlamps. 5 headlamps! I still only have one head. Crazy!
So this time I really want to rid myself of all this excess. Expunge all this crap. Simply my stuff.
There is no plan. No gimmick. No expert. Nothing more than simply getting rid of stuff at a slow and steady clip. No 2-day donation blowout. No one weekend attempt. Just a slow and steady attempt to "always keep purging." I will keep a page on this blog to keep track of the stats for my own notes.
Donation to thrift shop: 4 flashlights. Almost new.
Selling on eBay: one headlamp, works perfect.
Total less stuff: 5
Friday, August 02, 2013
It won't win any awards, but that's not what summer evenings are for...
Lime quarter squeezed and floated
Couple of ice cubes
Tip? Bitcoin me: 16sVrM2s2zHqtGDQhFs4FjbdSxYs1EKZ7P
Friday, June 28, 2013
Well no more craving. I've loaded up the new Windows 8.1 Preview and like that the Start Button is now present.
But I didn't like that it just goes to the Start Tile Screen instead of the traditional Windows 7 window. I suppose Microsoft will hear complaints about how the new button behaves. I'll be waiting to see what people end up thinking about it. Does is really fix the outcry or just amateurishly appease the complainers that wanted it back?
Wednesday, June 12, 2013
sudo apt-get purge bcmwl-kernel-source broadcom-sta-common broadcom-sta-source (it may not see all of these)
sudo apt-get install b43-fwcutter firmware-b43-installer
Restart and wifi will be good.
Tuesday, June 11, 2013
Can't wait to see more highlights on the product. And so great that it is Made in USA. Fantastic that the entire line of Mac Pros will be US Made. So design firms overseas will have to import these US Made computers. iAwesome.
Monday, June 03, 2013
Heavy fruit. Pepper. Deep color. Bold and lasting. Slight leather that can be easily forgotten in a zin, which I prefer. But I didn't mind it so much here -- the fruits overwhelm it. Overall this is a great glass of zin. Something I can recommend if you like a bolder wine.
The bottle was on sale for about $9 from a MSRP of $13 or so. For a sub $15 zin this hammer is hitting all the places I need.
Sunday, June 02, 2013
I started reducing kitchen clutter with one simple, effective step: jettisoning martini glasses. We had 3 sets ot 2 martini glasses. After a few years in our house we never had used them. Not even once. I thought about getting rid of one set. Then we would have reduced them by 30 percent but still be able to serve 4 martinis if occasion called. What? Who was I kidding. We never would be serving martinis. We don't even have the proper ingredients! So I reluctantly added all 6 glasses to the donation box and didn't look back.
They have never been missed. And now the kitchen has less stuff. So what's your kitchen's martini glass? Find it and get it gone.
Thursday, May 23, 2013
-Open Computer Management
-Expand System Tools > Event Viewer > Windows Logs
-Look in the Application log for Wininit in the source column
-Double click that entry and you'll see all the results of the CHKDSK
Click photo to see larger version: