Deeper Dive in The Rule of 72 Part II

In part one the example of a 14 year old who invests $5000 one time of the money earned while babysitting showed the power of compounding over a long period of time. Of course as effective as it to invest one time for a long period of time is the most effective way to make use of this is to do the same process multiple times .

Parcheesi with 72 Spaces

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Deeper Dive in The Rule of 72 Part I

Previously I went over briefly the Rule of 72. After going the rule over with a few people in the last couple of weeks it seems the power of the tool is lost until it is applied in a personal finance context. The math behind the rule is simple. The number of 72 is divided by the interest rate of an investment equals the time in years the money will double.


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Top 10 Cutest Kittens on Youtube

The Top 10 Cutest Kittens on Youtube is a video that last 9 minutes and 23 seconds. Although many people enjoy these videos I think there are other ways to spend 9 minutes ans 23 seconds.  In the same amount of time I’m going to brainstorm, write this blog and suggest 10 things you can do instead of watch cute kitten videos.

The most amazing thing is the number of viewers that watch this. I wonder if all those people who watched the whole video actually thought of anything else they could be doing. (Just over seven million!)


Ten Things (that can be done in the same amount of time)

  1. Drink a couple of glasses of water ; the body is made mostly of water and more water is good for you.
  2. Start a retirement plan
  3. Plant some seeds of some plant; more oxygen in the world can’t be bad.
  4. Go for a short walk; it is healthy and it clears your mind
  5. Call someone you haven’t talked to in a while just to say hi.
  6. Do a quick check of your bills (this helps keep you from getting late fees; you can even set up a calendar reminder to do it monthly)
  7. Read a chapter of a book you’ve been wanting to read
  8. Take a power nap – sometimes a quick charge of your batteries keeps you going
  9. Change your light bulbs to LED (see the impact – bottom of the post)
  10. Write a blog post about things you could do in 9 minutes and 23 seconds (or even better create your own list!)

Have a nice day and do something in 9:23….

Money – The Time Tool

The saying “Time is Money” is in my eyes not correct. It implies money is more valuable than time. If this is reversed “Money Is Time” this would imply to reverse. Time is finite on a personal level. You can’t get more time but, you can leverage the time you have with money to make the time you have more valuable.


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Enter Snow Miser – “He’s Too Much”

Winter is here and Snow Miser gave us the first cold days of the 2015-2016 season. The increased cost of heating is the biggest usage of energy of the year here in metro Atlanta. In fact the energy bill of November, December, January, and February is about 50% of the kWhs used throughout the year. One fourth of the months of the year produce one half of the energy used.



Snow Miser – “The Year Without a Santa Claus”

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Use Time To Make Money

I was watching a movie the other day on my VCR. The movie was” Nightmare on Elm Street” 1984 version. The tape was priced with a sale sticker of $15.99. I had bought the movie in the early 90s. I see the same VHS movie for about $5.00 on Ebay. In 20 years it decreased 2/3 in value. The DVD version was going for $6.00. BluRay was valued at $3.99 .

The cost of movies has gone down with better quality. The same for many consumer goods. Which begs me to think what can I wait to purchase and purchase for less? I still use a standard def – Tube TV 33″ while I know friends who payed top dollar for HDTVs when they first came out.

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Wealth and Time – Time Is Money

 “Time Is Money” – Benjamin Franklin
Often it is said “time is money”. Many people don’t know where the phrase comes from. It comes from an letter by one of the Founding Fathers of the United States, Benjamin Franklin. There is much wisdom that comes from the past. I have outlined the highlights for me here: