The Debt Ratio is basically the total assets in a business that was acquired by the business borrowing the money from financial institutions and other such creditors to purchase those assets. The basic formula is Debt Ratio = (“Total Liabilities“/”Total Assets“) Let’s break this down into a real world example: Let’s pretend th
[…] Read more:  What is Debt Ratio?

In my last post, I wrote about what Dollar-Cost Averaging is about and gave some example of how it works. Today, I’m going to talk about how I personally use Dollar-Cost Averaging in my “real life” and why I think overall it’s the way to go. Dollar-Cost Averaging in Practice: 401(k) –  For the most […] The post Dollar Cost Averaging In Practice

You’ll hear many say that it’s smartest to buy a house and rent the rooms out to your friends, but this does not always work, and there are some equivalent alternatives that are much less stressful. My College Housing History When I started college, four of my buddies and I all pitched in and rented […] The post Renting A Room vs Buying A House In College

Dollar Cost Averaging  is an investment strategy where you are investing static amounts of chunks of money spread out over time (instead of a lump sum purchase) in a given investment. You might be wondering “what is the advantage of doing this form of investing”?  You might think that investing in small chunks is inferior […] The post […] Read more:  What is Dollar Cost Averaging?

The financial theory winds have changed again, and this challenge has once again been altered from the initial concept! After some thinking, I’ve come to the realization that me sole managing my friend’s account will gain him nothing with respect to experience in the stock market.  You see there is nothing quite like making your […] The post
[…] Read more:  100K in Five Years Challenge Update 2013-09-09

We had a major computer meltdown recently, so posting is going to be light this week. Apologies to Yakezie Fall Team members and to MoneyPros for the lack of connectivity. If anything, this meltdown has served to highlight our need to upgrade… and in so doing feed a little more cash into maw of the techno-consumeristic beast. The iMac was “only”
[…] Read more:  We Interrupt our Regular Posting Schedule…..

  As I wrote in my last post, the iMac flamed out.  Completely.  I had backed up our data a couple of years ago, most the photos, the music, and some excel files.  But not recently. And now it’s locked up in a frozen hard drive that the geniuses at the Apple store have no idea how to recover.  Not that they were shy about charging us 99 bucks to te
[…] Read more:  Back online, sort of….

As I was editing the notorious 101 Centavos Dividend Portfolio that is featured on this site, it occurred to me that some of the dividend picks shared certain characteristics that would not be out of place wherever banjos are playing and teeth are few and far between. What do rednecks call duct tape? Chrome. Lot of blog posts in the personal finance arena devoted
[…] Read more:  Redneck Dividends

The fight over the Keystone pipeline is still going on. Here’s an alternate proposal.

For those who don’t follow pipelines, or who don’t watch the news, the Keystone XL is a project sponsored by TransCanada (TRP) that would carry oil from the Alberta tar sands down to United States, specifically the terminus at Cushing, Oklahoma (not too far away from you
[…] Read more:  An Extra Large Pipeline of Links

This is a guest post of sorts by our own resident investment guru, Fred Carach, a.k.a. The Riverboat Gambler.  Fred is the author of “Forty Years A Speculator“. Bear in mind that this article was originally written on July 15th, 2008.  Today we are told that the real estate crisis is in the 8th or 9th inning. I don’t think so, the 3rd inning is mo
[…] Read more:  Kiss Real Estate Goodbye – A Real Estate Appraiser’s Viewpoint