• Finances,  Productivity,  Success

    Why the Turtle Beats the Hare to Success

    One of the blessings that come with age is patience. Time has a way of making you realize that instant wealth or success is a fairy tale concocted by marketers to place your cash in their pocket by taking advantage of your impatience. In his book Good to Great, Jim Collins discusses how mediocre companies develop long-lasting success. His research…

  • Finances

    Do We Need a Job?

    Everyone knows that we need money in order to live. That’s a given. We need to buy food and clothing. We need a place to live. In certain nations (like my own) we need money in order to afford healthcare even. But do we really need a job? We’ve been taught that we need to go to school, get a…

  • Car-Free,  Finances

    A Slice of Slavery

    Katie had to walk to work in the pouring rain this morning. I grieved for her as she headed into the downpour to walk the mile-long trek to her public job. I’ll have to do the same in a couple of hours. I could sit at this keyboard and whine that life isn’t fair; why can’t we own vehicles like…

  • Finances,  Retirement

    Repeating My Way to Freedom

    I just calculated the dividends I will receive over the next 12 months. I have finally topped the $250 mark. In order to consider myself financially free I need to have $6,000 a year minimum in passive income, or $500 a month. I am halfway to my one month’s goal, even with the sizeable investment I’ve made in one non-dividend…

  • Finances,  Minimalism

    Minimalism, Cash Flow, and Turnover

    One of the ways that businesses maximize their funds is by utilizing turnover to increase their cash flow. Instead of purchasing a year’s supply of whatsits in order to make their widgets, they instead purchase just enough to get by for a certain time period like a week or a month. The store I work at uses this principle. They…

  • Finances,  Health

    Self-Analysis

    Last night I face-planted into my computer keyboard. That was a definite sign of why I’ve become so grumpy and frustrated as of late. I’ve pushed myself a bit too hard again, sacrificing sleep for my goals. I have really got to establish some limits here. While I’m happy that I am more productive than I’ve been in quite a…

  • Car-Free,  Finances,  Frugality,  Investments

    Desire and Frustration

    I underestimated just how heavily it was raining as I left work yesterday afternoon. By the time I realized that I should open my umbrella it was far too late. I was soaked to the bone. “I have got to increase my income,” I muttered as I sloshed my way home. If I acquired a full-time job making just $10…

  • Education,  Finances,  Investments,  self-improvement,  Success

    2019 Goal Update

    I received a call on my day off from work yesterday, asking if I would come work for a couple of hours. I wasn’t thrilled at first but then I realized that those hours worked would take me a tiny bit closer to my goal. I worked that short shift with a smile on my face. I’ve made quite a…

  • Finances,  Frugality,  Recycling

    The Art of Building Wealth

    The average person has been led to believe a lie. The average person has been taught that wealthy people can be identified by the clothes they wear, the foods they eat, the home they own, and the cars they drive. They have been taught that the ones with the most expensive wardrobes, homes, and wardrobes are the wealthiest. To quote…

  • Finances,  Food,  Investments

    Income Tax Refund Report

    I spent $296 at the grocery store the day before my birthday. The kid seemed nervous at our barren pantry so I sorted it. I’ll not have her skipping meals because she’s worried that I can’t afford it. Just because she can’t chip in towards the grocery expense right now doesn’t mean that I’ll let her starve. The food should…

  • Finances,  Investments

    2018 Financial Report

    After a huge amount of struggle I finally located an online tax service that would handle the K-1 statement that was giving me so much trouble. I spent $95 to use the service but I consider it money well-spent. They not only managed to increase my refund, they saved me the bother of having to track down someone locally to…

  • Business,  Productivity

    Headless Chicken

    Life has kept me super-busy these past few weeks. I’ve been slowly spring-cleaning my house by doing little things on top of helping Katie adjust to her current situation. At work, my official management training is underway so I stay busier than ever. In order to keep labor costs low, the end of the night has me paired with my…

  • Finances,  Investments

    Taxes are a Pain

    I have just discovered something the hard way: filing your taxes on investments can be a major pain in the butt. I’ve not only discovered that my usual online tax preparation service can’t handle the forms I need to file, but H&R Block wants to charge me an arm and a leg to file this stuff online. For now, I’m…

  • Finances,  self-improvement

    Operation: Katie

    Yesterday morning I was awakened at 8am by the phone. Katie had finished the train part of her journey and wanted to call while she awaited her first bus. She shared with me how she’d decided not to spend the money on a taxi in Chicago; she had gotten turned around and had to ask for help to reach the…

  • Finances,  Investments

    A Tale of Cowardice

    This is the very first year that I will file tax forms in relation to my investments. The very first time in my life that I’ve actually had real, Big Dog investment income to report. I’m having to fight the urge to turn tail and run. The other day I received the small package with the necessary tax forms to…

  • Investments

    (Not So) Light Reading

    You see that gigantic stack of papers in the photo? That’s the latest SEC filings for BlueKnight Energy Partners, one of the dividend companies I’ve invested in. That stack of papers is close to 300 pages of legalese, deliberately designed to be completely incomprehensible to the average person. I have to don a business suit just to get the words…

  • Business,  Investments,  Personal

    Three Jobs?

    Since yesterday was a maudlin day (as you could tell from my post), I called up my beloved Auntie early this morning for some much-needed encouragement. “Well, it’s no wonder you’re exhausted and feeling emotional!” Auntie declared once I’d shared, “You’re working three jobs, taking care of your house, and studying like you were in an actual college class besides!…

  • Cash register
    Business,  Finances

    Surprise Promotion

    While puttering around at work the other day I received a page to the office. “What’s up?” I asked as I stuck my head in. “Have a seat,” the main managers gestured to a chair positioned between them. When I got up from that chair, I had been promoted to management. I started my training the next day. I must…