Author: josh.overmyer

Soured on Precious Metals

Originally drafted July 11, 2016. In an attempt to become a diversified investor, I began purchasing precious metals in mid-2012. Earlier, in 2011, Silver had touched $50 to match the all-time high experienced in the 1980s, and Gold had broken out to new highs above $1900. By the time I started investing, Silver had retreated … Continue reading "Soured on Precious Metals"

My mortgage payment jumped 10%

In the world of Personal Finance media, there is a never-ending battle between renting and owning the home that you live in. This article is not going to get into that. I followed the traditional advice and followed “The American Dream” to buy my own home just 11 months after college graduation. That’s almost been … Continue reading "My mortgage payment jumped 10%"

Lifetime Wealth Ratio

Have you ever wondered how much you have made (from W-2 income) in your life? If you started as a teenager like me, it can be hard to remember allllllll the way back to the stone ages (1990s – before the iPhone was invented and every teenager dreamed of crafting the perfect AIM away message)… … Continue reading "Lifetime Wealth Ratio"

Change

It’s the beginning of a new year, which always seems to be people’s favorite time to start some new habits or make other (big or little) changes in their lives. We’re installing a new Presidential administration later this month (despite what the incumbent and his cult would have us believe). Gyms (if allowed to be … Continue reading "Change"

2020 Goals recap

Recapping 2020 Goals (which, TBH was a very hard year to meet any goals). Here is what I wrote in my final post of 2019: Looking ahead to 2020, I already have 2 trips planned for January, 1 in March, and hope to take many more. I’ll attend CampFI Southeast Week 2 in Gainesville again, … Continue reading "2020 Goals recap"

Purple Lessons

As you may know, I’m part of a group of nerds who writes about money on the internet. We find joy in helping others avoid some of our missteps, find better bank accounts and credit cards, and some of us aspire to retire early. One of my favorite money nerds is doing just that! On … Continue reading "Purple Lessons"

Superfan

It was 22 years ago, during the annual high school basketball County Tourney. I was a freshman in high school, trying to sit with the cool kids in the student section, with one eye on the basketball games and one eye on the cheerleaders. Back in middle school, I’d been on the basketball teams in … Continue reading "Superfan"

A Primer on Flood Insurance

Originally written on October 14, 2018 Updated August 27, 2020 on the day that another Category 4, Hurricane Laura impacted the Louisiana/Texas Coast. Today, Louisiana and Texas were battered by Hurricane Laura, a Category 4 hurricane with over 140mph winds. 2 years ago, Hurricane Michael struck the Florida Panhandle with over 160 mile per hour … Continue reading "A Primer on Flood Insurance"