The big news today is the tech market being down by hundreds of billions. NVIDIA lost at least $500 billion in market cap today and my IWM calls are up in value by 50% and was very tempted to roll them into March but I’m going to hold strong. If I didn’t already have a…
I Never Thought AI Would Take Over My Life
I’ve decided to compile a list of AI things that are taking over my life and my bank account. I’m also hugely disappointed in Apple, Google, and Microsoft for falling so far behind despite their AI “offerings.” Image Creation Over the years I’ve sourced images for a variety of activities, including this blog, from many…
Dumping Udio for Suno Because It Made Me Cry
Last April, I wrote this post about using Udio to make my own music for my own use largely because I got fed up with copyright nonsense, greed and selfishness. I’ve been looking for some better options and quite frankly I find some amazing new AI tools almost every day but none that has made…
Banking Cyber-security Has Gone Insane!
I’ve now had three different incidents with banking cybersecurity that has resulted in major inconveniences. Wise I use Wise app to transfer money back and forth from the U.S. to Europe. The app and service has been pretty good but lately they have gone insane with cyber-security. It’s already bad enough to jump through hoops…
Play Time Over, Time To Make Money On IWM
Following up on this post regarding my plan to sell covered call options on IWM from back in November, I had written I would wait until the new administration had been sworn in and that’s now done so it’s time to make money. Since November I have been accumulating IWM via buy-write transactions and ended…
How I Reduced Colds & Flu At Home
For 2025, I am keeping a tighter eye on my annual household operating costs. I’ve already put in an order for new HVAC filters for my home and those cost me about $50 for a pack of 6 but that’s not what this post is about but it’s related. The other HVAC expense I have…
A Whopping 7.254% Interest Rate On Municipal Bonds
I’m giddy with excitement. I got an email from Fidelity on some new municipal bonds offering a whopping tax equivalent yield of 7.254 percent. The real yield is 4.57 percent but keep in mind that the interest is free from state and federal income taxes so the adjusted yield is equivalent to about 7.25 percent….
How Much Money Is Needed To Retire?
One of the most annoying questions I see on websites like Finance.Yahoo.com ask something like, “I have $5 million dollars, can I retire now?” It’s an annoying question because the answer is always going to be the same: it depends. If you have a $100,000/month shopping habit, then $5 million may not be enough to…
Happy Makar Sankranti
For my Hindu readers, happy Makar Sankranti!
Adding Climate Risk Lens To Investment Portfolio
Last year I wrote a post on how I evaluate municipal bonds that I own in my portfolio. I also wrote a post about what bonds to avoid. I like to think that I’ve been very thorough in my bond selection process but one key thing I left out was climate risk and that’s going…