Several reads from Fidelity's website:
With rates so low, should you pay off your mortgage?
I love the comment about the liabilities side being more important than the asset side. Hits home for me!
Key Ages for Retirement
This was a really good graphic for those who may be thinking about retiring early. (Applicable for those in the U.S.)
Freebies in Retirement
Again this is focused on those in the U.S. but I'd recommend doing a search for similar items in your own country.
8 Urban myths of personal finance
8 Financial decisions you'll regret forever
To prosper, create a financial rulebook
Each rule in this post is a wonderful one. But if it's not for you, don't adopt it. Just make sure you have your own handful of rules that you follow consistently.
Most Americans have financial regrets
Oh yes this one is true too.
A quarter of you don't have an emergency fund
Even if all you have is a $1 - start one now!
How the wealthiest of Americans got rich
Enjoy!
Pru
Saturday, July 23, 2016
June 2016 - Dividends (Money!!!)
Oh boy this post is late in coming :-) Thankfully the dividends didn't just magically disappear because of my lateness.
In June 2016, I earned $321.01 in dividends. Yay! It's like free money! Seriously I love the quarter end months because that is when the money starts rolling in :-)
Every single penny of those dividends were reinvested for future dividends.
As always I do like to imagine what I might spend that money on. $321 is a good amount. Assuming I was in retirement, it would be $107/month (averaged over a quarter). $107 could pay a monthly bill (utility, internet, cell phone) or it could be 2 weeks of groceries for me. That is really tangible. And it makes me want to keep saving and investing.
Dividends & Capital Gains page has been updated.
Pru
In June 2016, I earned $321.01 in dividends. Yay! It's like free money! Seriously I love the quarter end months because that is when the money starts rolling in :-)
Every single penny of those dividends were reinvested for future dividends.
As always I do like to imagine what I might spend that money on. $321 is a good amount. Assuming I was in retirement, it would be $107/month (averaged over a quarter). $107 could pay a monthly bill (utility, internet, cell phone) or it could be 2 weeks of groceries for me. That is really tangible. And it makes me want to keep saving and investing.
Dividends & Capital Gains page has been updated.
Pru
Saturday, July 16, 2016
Where's Pru?!
I'm here *waves hand*. Not doing that well I must admit. Let's just say for the past 10 days or so I've been eating a ton of plain crackers as I am ill. Yeah so definitely not doing well.
This illness combined with nonstop rain, high temperatures, high humidity has me very depressed and feeling awful. Change and forward movement seem very far away I must admit.
As for my finances well, they are OK. I read the Wall Street Journal each day along with other financial news/blogs. And I have been watching the stock indices - very surprised to see stock values increasing (and then decreasing) and increasing. Very worried about the long-term implications of Brexit but happy the UK has moved quickly to choose a new Prime Minister.
And I have transferred funds to my brokerage account. These will be used to purchase some ETF shares probably next week.
Despite the fact that I continue to contribute money to my brokerage account and overpay my mortgage each month, I don't feel as if I am getting ahead. I don't know if this is a temporary feeling but it is definitely contributing to my overall feeling of depression.
Ever have days (and weeks) where you feel as though you are doing everything right and working so hard to only dig your ditch a bit deeper? I suppose it could just mean that the goal is enormous but not that it is necessarily the wrong goal.
I'm rambling. Best to stop talking/typing :-) I hope to get back on the blogging horse soon enough and update my pages. I need to set up some transfers for this month and decide on which ETFs I'm purchasing (no new ones this month).
Leaving ya'll with a few links to peruse.
Savvy Retirement Moves for Women
Articles like this depress me. It is so evident how much we are not valued in this world and how far away we are from being valued.
Where Clinton and Trump Stand on 9 Issues Affecting Your Pocketbook
*sigh* I hate politics. I don't want to get into politics. But this is a pivotal election year. And decisions made post the election will impact all of us - ALL of us regardless of where we live in the world given that the U.S.A. has such a huge impact on the world still. When I read what the candidates have said all I can do is sigh and silently cry because I'm not happy with either candidate. Seeing things in black and white (no race pun intended despite the candidates), is very interesting. I think when we watch the candidates speak, our minds do not register certain things as when we read the speech that was made. More people who intend to vote should read, read, read and then think a little, and then vote.
4 Things to Look for in a Tiny Retirement Home
Very interesting! I keep coming back to these tiny homes!
Happy reading,
Pru
This illness combined with nonstop rain, high temperatures, high humidity has me very depressed and feeling awful. Change and forward movement seem very far away I must admit.
As for my finances well, they are OK. I read the Wall Street Journal each day along with other financial news/blogs. And I have been watching the stock indices - very surprised to see stock values increasing (and then decreasing) and increasing. Very worried about the long-term implications of Brexit but happy the UK has moved quickly to choose a new Prime Minister.
And I have transferred funds to my brokerage account. These will be used to purchase some ETF shares probably next week.
Despite the fact that I continue to contribute money to my brokerage account and overpay my mortgage each month, I don't feel as if I am getting ahead. I don't know if this is a temporary feeling but it is definitely contributing to my overall feeling of depression.
Ever have days (and weeks) where you feel as though you are doing everything right and working so hard to only dig your ditch a bit deeper? I suppose it could just mean that the goal is enormous but not that it is necessarily the wrong goal.
I'm rambling. Best to stop talking/typing :-) I hope to get back on the blogging horse soon enough and update my pages. I need to set up some transfers for this month and decide on which ETFs I'm purchasing (no new ones this month).
Leaving ya'll with a few links to peruse.
Savvy Retirement Moves for Women
Articles like this depress me. It is so evident how much we are not valued in this world and how far away we are from being valued.
Where Clinton and Trump Stand on 9 Issues Affecting Your Pocketbook
*sigh* I hate politics. I don't want to get into politics. But this is a pivotal election year. And decisions made post the election will impact all of us - ALL of us regardless of where we live in the world given that the U.S.A. has such a huge impact on the world still. When I read what the candidates have said all I can do is sigh and silently cry because I'm not happy with either candidate. Seeing things in black and white (no race pun intended despite the candidates), is very interesting. I think when we watch the candidates speak, our minds do not register certain things as when we read the speech that was made. More people who intend to vote should read, read, read and then think a little, and then vote.
4 Things to Look for in a Tiny Retirement Home
Very interesting! I keep coming back to these tiny homes!
Happy reading,
Pru
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