I gave up on offering people financial advice a long time ago. I also gave up on listening to financial advice from others a long time ago too. What do these two things have in common? The common denominator between the two things is financial intimacy. In order to truly help someone with financial advice,…
More GSE Bonds Called
In February I’ve had about 20k worth of GSE bonds called. These were essentially government loans to farmers. I had almost 6% interest on these bonds and it makes sense for whoever took out these loans to refinance at today’s lower rates. Ironically, the recent PPI report had hotter inflation than expected which has led…
AI: Building Money Agents For Your Investment Portfolio
Here is a preview of something that I am working on in the background. You may have heard that AI “agents” are all the rage now but one thing that I haven’t seen or heard is anything about a “money agent” that helps optimize your investment portfolio. The way AI is projected to decimate white…
Rotating From IWM To TLT
Every investor needs to make decisions for what’s best for their needs at their current point in time. For me, I am rotating away from small caps (IWM) to bonds via TLT. This is largely a move to reduce risk as TLT is a 20 year bond ETF. Don’t take anything you read here as…
Zepbound: My Health Journey – February Year 3
Well I went to the doc and told him I have flat lined in weight loss. Doc upgraded me to 15mg but I have to take the 12.5mg as an intermediary step which I started this week. Ironically I lost 2 lbs in February BEFORE starting the new higher dose so I am hoping I…
Made 20% Return In One Day By Accident
What a crazy week. The volatility in this market has been insane. Yesterday I attempted to sell 10 contracts for January 2027 on a particular equity I own and I accidentally clicked BUY instead of SELL in the options screen. I quickly tried to undo it by selling them back but the market moved due…
My Rental Property Strategy
My rental property strategy is fairly simple. Find a home that can generate the cash flow with a reasonable return. I won’t go into the details into the type of home, city, specs, etc because every investor is looking for something different. Some want stable cash flow, others want home appreciation while someone else pays…
Is 2026 The Right Time To Buy A New Home?
I started to write this post almost a year ago back in March of 2025 but never got around to writing the full post. I have been wanting to add another property to my rental portfolio but the market has been insane. I haven’t really written about real estate now in years because unless you…
Detailed Returns For One Account @ Fidelity
A reader asked for details on my recent post on my account returns. Because there are many components and options trades, I didn’t have the time to calculate the detail so I downloaded all the transactions for 2025 for one account and uploaded them to AI and asked it to create a detailed dashboard. The…
AI: RSP, QQQ, IWM & Timing The Market
I wanted to answer the question, “can you time the market” so I created scenarios using RSP (equal weighted S&P 500 ETF), QQQ (tech stocks) and IWM (small caps) and asked AI to figure it out. The answer surprised me a bit but you decide. Scenario Setup I downloaded the historical data from RSP, QQQ,…