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Home Authors Posts by Pat S

Pat S

Pat S is an active duty military officer. On his off time he enjoys working out, reading, writing and spending time with his dog. Pat became interested in personal finance after several costly mistakes early in his military career that could have been avoided by a basic understanding of personal finance.
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Investing Strategies for Active Duty Military Members

Military members are accustomed to significant challenges. Combat tours, deployments, and frequent transfers are just a few of the difficulties they face on a frequent basis. Perhaps because of this stress, many military members...
municipal bond

What Are Municipal Bonds – Pros & Cons of Investing

Most investors stick with the basics and invest in long-term, tax advantaged accounts for their retirement savings, such as pension plans, annuities, 401k or 403b accounts, and traditional or Roth IRAs. All of these...
early retirement

Early Retirement Planning: 6 Best Tax Efficient Investments

Early retirement...most of us want it, but few actually have the motivation and the know-how to get it. Just like a regular retirement, at or after age 59 1/2, retiring early requires planning and saving....
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Zenni Optical Review – Buy Cheap Glasses Online

If you wear glasses or contact lenses, you know about the costs associated with ordering disposable contacts and with staying up to date and in fashion with new prescription eyeglasses. In fact, the National...
american soldier saving for the future

Federal Thrift Savings Plan (TSP) – Complete Guide & Advice

Possibly one of the greatest benefits to U.S. government or military service is the Thrift Savings Plan. The Thrift Savings Plan (also known as the TSP) is a retirement savings and investment plan offered...
rent rather than buy

10 U.S. Cities Where It’s Better to Rent Than Buy a Home

After the real estate market deteriorated in the wake of the sub-prime mortgage crisis, the prospect of renting a home vs. buying became much more attractive. In fact, this trend has been well supported...
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Should Military Families & Active Duty Members Buy a House or Rent?

There is a great debate among active duty military regarding renting vs. buying a home. Because these military members may be called upon to deploy or change duty stations at any moment, numerous active duty families...
military soldier

What Is a Roth Federal Thrift Savings Plan (TSP)

The U.S. Federal Government's Thrift Savings Plan (TSP) is a deferred contribution retirement plan for Federal employees. The TSP is administered by the Federal Retirement Thrift Investment Board, an independent government agency, for the...
10 High Paying Jobs

10 High Paying Jobs for High School Graduates That Don’t Require a Degree

Traditionally, attending college has been associated with increased earning power, decreased employment volatility, and long-term financial success. In fact, according to studies done by the U.S. Bureau of Labor and Statistics, higher education can...
Difference Between Credit Debit Card

Difference Between Credit Cards vs Debit Cards – Which Is the Right Way to...

If you are able to keep your expenses in check and use credit cards wisely, paying for your daily expenses with credit or debit cards is a no-brainer. Using plastic can greatly facilitate budgeting,...
stock investment bank trade at computer screen

Small and Micro-Cap Stock Investing – Definition, Benefits & Risks

Nowadays it seems like everyone has their favorite investing style. Nowhere is this more evident than Wall Street itself. Everywhere you turn, a different investment advisor or mutual fund is touting a new magic formula...