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Why Paying Down Your Mortgage Might be Bad

By Carmello on February 1, 2012

Paying down your mortgage can be a great way to build equity, but how exactly do you benefit from paying down your mortgage? Well to answer that question we first have to have a basic understanding of the tax benefits associated with home ownership. As an taxpayer you are entitled to the GREATER of EITHER […]

Do Not Buy Gift Cards Unless They Give You Something

By Carmello on January 30, 2012

Normally you should not buy gift cards for friends and family, unless you are getting an bonus or incent. Gift cards generally tend to be an insult to money. You take good old fashion money (taken virtually everywhere) and convert it into something that has less actual fair market value immediately. If you wanted to […]

Is Prepaying Your Mortgage the Right Financial Move?

By Carmello on January 28, 2012

Making extra payments on your mortgage? Is prepaying your mortgage the right move? Do you save any money when you prepay? I am not talking about “paying down your mortgage.” I am talking about prepaying your due payments for your mortgage. For example it is currently January and I’m talking about prepaying  for March – […]

Hockey is Expensive

By Carmello on January 16, 2012

I became a newbie in the land of hockey, but boy hockey is expensive. It cost me roughly $800 to become involved with an adult league, not including gas and wear and tear on my car. You need a helmet, faceguard, stick, tape, hockey socks, jersey, shin-guards, elbow pads, chest piece with shoulder pads, skates, […]

Pandora (Symbol: P), A Falling Knife of a Stock?

By Carmello on January 9, 2012

Pandora Media, Inc. (Symbol: P) has taken a giant hit in recent times from its 52-week high of $26 a share. Now even while trading for roughly $10 a share, it’s hard for me to justify buying into the stock. Let me start out by saying, I personally use Pandora – a lot, but my […]

Investing $1000 a Month in Stocks

By Carmello on January 9, 2012

My dream is to invest $12,000 a year or $1,000 a month in stocks every single month. Not only can you get a killer diverse portfolio, but you can potentially strike it rich. Let me break it down to you. As times goes on I see that my goal is to live as frugally as […]

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