If you’ve read any of the Harry Potter books, you’re familiar with Hermione Granger, one of Harry’s friends at the Hogwarts School of Witchcraft and Wizardry. She’s a planner and an anticipator. She’s also a bit of an optimizer. She is anything but a procrastinator. In many ways, I understand Hermione. When planning and executing… Continue reading Hermione Loses
The other day I was listening to a Planet Money episode on the topic of escheatment or unclaimed property. It was a fascinating episode, including a dude who lost thousands of dollars in stock gains all because he didn’t log into his etrade account for years. And the key takeaway from the episode is maybe… Continue reading Unclaimed Money
I’ve had a Google Voice since 2007. That was actually in the pre-Google days when it was called Grand Central. I love a lot of things about Google Voice beyond the frugality of it, but there’s also some annoyances. My Google Voice Setup Google Voice provides a single phone number that you can route to… Continue reading Saving Money Using Google Voice
While writing the post about front-loading my 401(k) contributions a couple weeks ago, I made some additional calculations that I thought were interesting enough to share in a separate post. In the post, I used a theoretical example using a single fund, VTSAX, over a 10 year period. After 10 years of front-loading the annual… Continue reading Is 401(k) Front-loading worth it?
Shortly after we bought our first home, I threw together some spreadsheets to examine the amortization of our mortgage. I wanted to experiment how prepayments towards the principal of our loan would affect the total amount of interest we paid to the bank. I learned a couple things that I thought I’d share. More Interest… Continue reading The Effect of Early Loan Payments