This past weekend I went to Home Depot and bought some seeds and soil for a home garden. Over the years I have gardened on & off largely growing small veggies but mostly herbs for my kitchen. Unless you’re a farmer, the math for home grown veggies almost NEVER works in favor of the home…
Category: Personal Management
Update On 401K For 2026
It’s March and I am approaching the $24,500 2026 limit for 401k contributions. People over 50 can contribute an additional $8000 however if you were classified as a highly compensated employee those contributions need to be made to a Roth IRA vs a deferred 401k contribution. I called my 401k provider to understand my options…
Boosting FICO Score By Timing Payments?
I pay off my credit card every month. I didn’t always do that and I recall 25+ years ago when my wife and I first got married that the interest charges on those cards exploded the balance when not paying the off immediately. It was a tough lesson to learn during those early years. Because…
Zepbound: My Health Journey – February Year 3
Well I went to the doc and told him I have flat lined in weight loss. Doc upgraded me to 15mg but I have to take the 12.5mg as an intermediary step which I started this week. Ironically I lost 2 lbs in February BEFORE starting the new higher dose so I am hoping I…
What Were My Returns From 2025 Thru 2026?
I am starting the process of working on my taxes so I’ve had a chance to look at my returns from a variety of brokerage accounts. I am not including my cash accounts because cash accounts have money going in and out and it’s too difficult to track what were investment returns and what was…
The Best Investment I Ever Made Didn’t Cost Much
The best and most important investment I ever made didn’t cost much in relative terms. What was that investment? It was investing time in educating myself. During our youth, we all are forced to spend time in school. We start in kindergarten, then 1st thru 6th grades, then 7th-8th and then four more years of…
Zepbound: My Health Journey – January Year 3
It is amazing that I am now starting year 3 on Zepbound. Over the past two years I’ve lost about 40 lbs but around November I started “flatlining” on weight loss. I had the same thing happen on the first year around the same time. Starting Jan 1, I got on Atkins diet for two…
My Sinister Water & Gas Bill
As I continue to declutter this year I came across some old water bills from the city and I was a bit shocked at what I found. My water bill has grown 115% over 8 years for the exact same amount of water although the “sewer” charge has grown and we have less people living…
Annual Cost of Physical Therapy $5000 & Scam Care?
I have a bad back. Most of the time it’s ok but over the years my back pain flare ups have been happening with higher frequencies and often the pain, when it happens, is at a much higher level than in the past. To that end, one of the things that helps is getting physical…
New Home AI Lab Up & Running
After using AI to save $1000 on a new network at home, I decided to use some of those funds to build me a home AI lab. It was a rough start which you can read about here but I now have my lab fully operational but I am still tweaking a few things. My…