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How Millennials are Changing the Market, DUH!

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What is up OSC readers???  This post was originally titled "In between generations."  I identify with the genX childhood experiences, but I can also relate to the buying habits of millennials.  As a result I often feel stuck in between the two generations and wanted to write about my angst.

Then someone beat me to it.
In fact a bunch of people beat me to it...but I digress.
I do feel as if I grew up as an analog kid but became a digital adult.  I was around when dial up happened and then gave way to dsl.  I remember brick phones, flip phones, sliders, qwerties, blackberries, flip touch, and then the almighty...


The point is that I've been around the consumeristic block a bit.  My in-laws and I have a great relationship as well and we love trading stories of the here & now v.s. the old day.  I also enjoy talking to my grandparents about consumerism (although my grandparen

Net Worth Update: October 2017

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DISCLAIMER:  Hello.  This is a monthly net worth report.  I am currently using my banks website to track my net worth, along with personal capital.  I do not include the value of my house but do include the mortgage as a debt.  I do this because it is unlikely we will sell and I prefer liquidity to perceived value.  Sit back, grab a beverage and enjoy comparing yourself to my numbers.  You'll feel better about yourself, I promise:)

Hello again faithful readers.  Fall is in the air....at least for the moment.  Round' here the weather changes faster than a kid can barf up his (excessively eaten) candy corn at a football game <---- Yes I did do that once.

If that thought doesn't excite you, maybe my numbers will!

Net Worth: - $75,354 Difference from September 2017: + $7,197 Total Cash Available: $13,459 Total Investments: $54,429 Total Debts: $143,242Side Note:  I started using round numbers for the main section of this report...looks a bit cleaner I think.
Account Breakd…

Middle Class, Schmiddle Class

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Everywhere I look these days someone is discussing the "downfall" of the middle class in America. This of course spirals into talk of how the economy will fail because we NEED the middle class.
News anchors and bloggers are quick to blame the oppressive CEO's and the growing income inequality...but what is really going on and can it be fixed?

First lets define middle class.  Middle class is often defined in terms of income.  The stats below are often what you will see if you flip on a T.V.

Income stats from www.cnbc.com

- Household of one: $24,042 to $72,126
- Household of two: $34,000 to $102,001
- Household of three: $41,641 to $124,925
- Household of four: $48,083 to $144,251
- Household of five: $53,759 to $161,277

Other studies indicate that middle class is measured by wealth.  If you have around $400,000 in assets then you may be considered middle class.

Do you spend 38,000 - 50,000 annually?  Then you may be middle class.

I've always thought this defined middle c…

Net Worth Update: September 2017

I've been looking back on my old Net Worth Posts and I've noticed something...why the heck didn't I label them in the title by year???

Oh well.  Mistakes will happen.

You should read the following disclaimer so as not be confused by how the numbers have changed dramatically over the past year.  Fear not my anxious number peepers, it's all still there and accounted for.

DISCLAIMER:  Hello.  This is a monthly net worth report.  I am currently using my banks website to track my net worth, along with personal capital.  I do not include the value of my house but do include the mortgage as a debt.  I do this because it is unlikely we will sell and I prefer liquidity to perceived value.  Sit back, grab a beverage and enjoy comparing yourself to my numbers.  You'll feel better about yourself, I promise:)

Net Worth: - $82,551.83 Difference from December 2015: + $24,098.21 Total Cash Available: $10,415.37 Total Investments: $50,614.74 Total Debts: $143,581.94 Account Breakdow…

In-practical Wishes and Dirty Dishes

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In-practical Wishes
Lately I've been all wrapped up in fancy cars.  Blame it on youtube channels and Mr. 1500 talking about his awesome NSX!

The problem with me dwelling on my dream car...

The Lamborghini Countach 
is that I never will be able to freaking afford one (unless its the hot wheels version).  Even if I could afford to fork over hundreds of thousands of dollars to purchase this beauty I could never keep up with the maintenance.  My current income level would never support it. Lets say that one day I become a millionaire and this car ends up being a small percentage of my wealth.   Would I still want to own it?
Probably not.  The car doesn't jive with my value system.  
Do I love beautiful sports cars?  Yes. Do I love going fast?  Yes.
Ok.  So what's the problem?
Do I love showing off?  Not really. Do I want people to assume I have a lot of $?  No.
Hmmmm....
Do I like driving just to drive aka "cruisin"?  Nope. Do I think that operating more than one veh…

Are we Lucky? I Prefer Blessed.

Confession time...  I ripped this idea straight from the much bigger, (and better), blog Financial Samurai. If you haven't read any of Sam's articles go ahead and head on over to his website now...

Now that I've lost all of my readers to Sam's site lets continue.  In the latest article, Financial Samurai writes about three times he was lucky.

1. The first time Sam believes he was lucky is when he met his wife.  I think that many of us with wonderful spouses can relate, where would we be without a chance encounter?  Do I believe that "luck" has kept our marriage together and thriving for the past (5,6, or 7) years?

NO!  Part of it is my wife's extremely forgiving nature...I mean I can't even remember our exact wedding date without looking.  Hard work, tears, fights, and unselfish behavior make our marriage unique and strong. So maybe luck brought us together but it sure didn't keep us there.  We did that with hard work and sacrifice.

#2. The secon…

Hot Showers are a Luxery!

Today I'm going to bring you another fine lil ditty from my draft folder circa 2015.  I wrote this after running one chilly fall morning.

Brrrr. It's cold outside.  Think 40-50ish degrees fairenhieght with a brisk breeze.  As I stepped into the solace of the school building all I could think about was the warm shower that awaited me.  Nothing is better than a piping hot shower after a long cold run.
I quickly hopped into the shower and was rewarded with a blast of cold water.  Yikes I shouted with gusto.  I quickly retreated and let the shower continue to run while I began brushing my teeth.  After a solid 5 minutes the reality set in....this was going to be one cold morning shower.
Now, I could go into detail about cold shower taking methods here, but I'll spare you the bore.  Let's just say it involves a lot of jumping and screaming.
While gulping down my hot coffee I had time to reflect on that mornings unfortunate events.  I realized that even though it was cold, I …