Cricket Wireless Review – How To Cut Your Cell Phone Bill In Half And Get Better Service

save money by switching from verizon to cricket

The year is 2010 and cell phones are blowing up (popularity wise, not in a Note 7 way).  I had just switched from Sprint to Verizon with a beautiful plan that came with:700 minutes per monthUnlimited text messagesUnlimited data (!!!!!)That’s right kids; unlimited data used to be included in almost every plan!  Later that year I got married and upgraded to a family plan.  For 2 smartphones and 1 dumb phone, I was paying $180 per […]

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What Is The Average Return Of The Stock Market?

One of the most important numbers in the world of FIRE (financial independence/early retirement) is known as the 4% rule.   This comes from the well known Trinity Study that found the optimal portfolio drawdown rate was 4% of the initial balance. If you assume that inflation will be around it’s historical average of 3%, then a 4% withdrawal rate means your money must grow by 7% in order to keep up with inflation and your withdrawals.   But where […]

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Buy It For Life – Good Investment or Overpaying?

Buy It For Life – Good Value or Waste of Money?Over the last couple of years there’s been an increased interest in the idea of buy it for life. The ‘buy it for life’ philosophy is simple:Instead of paying $10 every 6 months for a cheap water bottle, spend $30 for a high quality water bottle that will last 3+ years. And on the surface, it’s obvious to see the appeal.  The math is simple and it looks […]

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AFI Hedge Fund Update #3: Slow Recovery and Lessons Learned

passive income side hustle reports

Better but Still Underperforming the S&P Early in 2017 I decided I was going to take $10k from my Roth IRA in Vanguard and use it to trade options.  I’ve always had an itch for making speculative investments and I’ve wanted to try options trading for a long time. After basically breaking even with $10k I decided to move over another $10k as well as $3k that was in my wife’s Roth IRA.  I probably […]

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AFI Hedge Fund Update #2: 3 Months In

Results After 3 Months My experiment in options trading started a long time ago, about 1 year ago.  After months of learning and making mistakes, I didn’t have a good grasp on my results other than they weren’t great. Starting on March 3rd of this year I began recording my account balance every morning the market opened.  This way I could track my account balance in my Roth IRA and my wife’s IRA, both of […]

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The Best Brokerage of 2017: TastyWorks

What to Look for in a Broker There are a ton of brokerages out there, you’ve probably seen ads on TV with a talking baby or an old person who looks so happy to be paying $7.95 per trade. The truth is that any brokerage that spends a ton of money advertising on TV has to be making up for that with what they charge you in commissions.  The less money your brokerage wastes, the lower […]

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