TV Cord Cutting for Dummys

(link to my other Cord Cutting guide posts)

First, let’s talk about College Football.

I posted last year that my experience with CBS College Sports Live was a bummer, as I could not get it to work on my Roku Boxes or Roku TV.

Happily, it worked just fined during the 2017 Football season.

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Maxing your 401(k) or TSP will help you get to this Happy Place faster…

There’s a lot of debate about how much you should put in to your TSP or 401(k) plan every year, and whether you should ‘front-end’ load your 401(k) at the beginning of the year, dollar cost average during the year, or back-end load your 401(k) at the end of the year for tax planning.

Here’s a 401(k) hack that works for me at the end of every calendar year.

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Aldi combines with Instacart

 

Last weekend I had a super busy Friday- I had meetings until 6PM, then I had to fetch groceries so I could feed my family and my sister’s family- who was staying over for the weekend.

Enter Instacart.  A few weeks back, I saw the poster above at the local Aldi and made a mental note (actually an Evernote) to try it out next time I was ready for an Aldi run.  Our Aldi is about 5 miles away from our house, so we only hit it once a month when we are in that area of town – But the trip is worth it every time.  Aldi has prices that beat Costco on many items.

So Friday was the day.  Test drive the combination of the savings of Aldi with the convenience of Instacart – a perfect match.

Or was it?
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New Military Retirement System is a Pyramid Scheme

Lendign Club Provides Investors with Negative Returns

My Lending Club investment returns have been taking a beating lately.  Even with a spread of more than 1400 loans across multiple grades, I’m getting burned with -0.3% Annualized Return.

This account funded in the Spring of 2015, so the loans are in their at their 30 month point, a ‘danger zone’ when Lending Club reports most defaults take place.

This account has followed all of the recommended investing ‘rules’ on the Lending Club website – Buy more than 800 loans, spread out your credit risks, etc.  After following the Lending Club guidance, all I can state is that the performance is rather unnerving, minus 0.3% Annualized Return: Continue reading