I’m busy moving servers this week so I dug into my Evernote archives for help. You can find a passive versus active investing article on every single investing site ever. If you don’t, then they probably forgot, or have one on standby for situations just like mine. Anyways, the analogy I use isn’t perfect but it gets my point across. Enjoy.

First, I’ll make this perfectly clear. I’ve never been a fan of arguing passive vs active. It’s a joke and a terrible waste of time on the level of trying to convince a die-hard Republican to vote Democrat. Pushing against a brick wall isn’t fun. Continue Reading…

I don’t know anyone who thought interest rates would stay low for this long or go lower. But falling rates do have one benefit. All you homeowners out there have another opportunity to refinance your mortgage. Mortgage rates fell for most of 2014 to rates we haven’t seen in two years.

Two years ago it looked like the last great chance to lock in historically low mortgage rates. If you missed it, the market gave you a second chance. Current 15 year and 30 year mortgage rates are getting close to those all time lows. You can check the FRED charts below. Continue Reading…

I’ve been wrestling with server problems and customer support the past week. It’s why this weeks post was shorter than usual. That, and it gave me the excuse to try out a cool charting tool too.

We all deal with computer problems from time to time. A server is simply a computer that fires off web pages when its working correctly. When its not, it’s like dealing with your typical computer problem. You try to fix it yourself or turn to customer support for help, hoping it’s an easy fix or the support lives up to the promises made when you bought in.

Sometimes things work. Promises are delivered. Other times you get all promise and no delivery. Continue Reading…