Archive for December 2011

SERIES: Top 5 Ways To Improve ROI – Part 1

Welcome to the latest series on this wildly popular website – JosephSangl.com – “Top 5 Ways To Improve ROI”

ROI: Return On Investment

Everyone wants to receive a positive return on their investment.  We are delaying the use of our money so that we can have more money in the future – at least that is the goal.  However, many people are seeing negative ROI over the past several years.  This is why I am writing this series – to help each of you make your money earn more.  These are the top five rules I use to maximize my money, and it has worked out well for me.

Part 1  Don’t invest for the short-term.

I am just not smart enough to make sense of every single nuance of the entire world.  I do not know how a grasshopper invasion in Antarctica impacts oil production in Siberia, yet we have all seen that sometimes seemingly unrelated items have a major impact on financial performance.  For this reason, I spend a great deal of time thinking about which investments to choose before I acquire them, and then I hold them for the long term.  Day-trading (or anything like it) has a feeling very comparable to gambling in Vegas, and it usually winds up with the same result.

What are YOUR experiences with investing?  Have you ever “day-traded”?  Tell me your wins AND your losses!

Read the entire series (available after 12/19/2011)

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Christmas Shopping List – Stay On Track

8 years ago, my family figured out how to stay within our Christmas spending budget.

  1. We planned BEFORE buying a single gift (using the Mini-Budget)
  2. We pulled the planned money out in cash (except for on-line purchases)
  3. We put away the debit/credit card (except for on-line purchases)
  4. We stuck to the plan (diligence)!

You can do the same!

How are YOU doing with your Christmas spending?

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Sangl Home Pay-Off Spectacular – December 2011

Every month there will be an update of Joe & Jenn’s Home Pay-Off Spectacular!

Here’s this month’s update!

Total Squares:  2,426

Paid-For Squares:  1030  1050

Squares Remaining:  1396 1376

% of House Owned By The Sangl’s:  42.5% 43.3%

% of House Owned By Wells Fargo:  57.5% 56.7%

Here is the updated Sangl Home Pay-Off Spectacular (click to view large size)

We CRUSHED the mortgage again this month with three payments!  I am so fired up!  It is amazing what can happen when you stay focused on a specific goal for a long time.  We have encountered so many obstacles as we attempted to eliminate this mortgage, but now we are making huge progress every single month.

How are you doing on YOUR house pay-off spectacular?

If you do not have one, you can get one here => Pay Off Spectacular – House.

Read previous Sangl Home Pay-Off Spectacular Updates