Blog Posts

The BackStory of Mrs. BITA: Part 2

We continue where we left off in Part 1, childhood fast becoming a memory, the specter of college looming. Stumbling into my future The Indian education system is big on exams. As students we are beset by tests. There are tests every month, half-yearly tests and ‘final’ exams. I experienced […]

The BackStory of Mrs. BITA: Part 1

This is the first in a series of exceedingly self-indulgent posts. There won’t be much in the way of numbers here, so if numbers are your thing, move right along and I won’t hold it against you (I: Yes, you will. Me: I will not. I: Liar box). Why am […]

Rent or buy in the Bay Area

To Buy Or Not to Buy

To buy, or not to buy, that is the question: Whether ‘tis Smarter for the pocket to buy The House and hope for outrageous Fortune, Or to Rent and ne’er repair a Thing Buying vs. renting: the eternally debated question on financial independence and personal finance forums. Conventional wisdom says […]

Is there Spare Change in your Couch?

You know that feeling of putting your hand in your jacket pocket and finding $5? Or the feeling of lifting up a sofa cushion to vacuum and discovering loose change? Finding forgotten money is a happy feeling. And maybe, just maybe, if Santa agrees that you have been a very […]

On the path to financial independence: December 2016

“To accomplish great things we must not only act, but also dream; not only plan, but also believe.” – Anatole France This quote goes to the heart of what we as a family accomplished in 2016. It was the year that we started down the path to financial independence and […]

Plans for 2017

The Evolution of our Plan for 2017

We started planning for early retirement and financial independence in 2016, and published our plan to get there. In part, our plan included the following salient points: Save $20,000 in the last quarter of 2016, October to December and Save $120,000 in 2017 It is time to revise the Plan. […]

A Peek Under the Skirt of Financial Blogging

My blog is coming up on its three month birthday. The year is drawing to a close. There is something about the end of the year that makes one susceptible to reflection. I found myself reflecting on my life with my new baby. What wisdom have I earned? What insights […]

Guide to Opening a Taxable Brokerage Account

A Step-By-Step Guide to Opening a Taxable Brokerage Account

Once you get your financial house in order, and are consuming personal finance blogs and books at a rate that practically ensures that you are violating one of the seven deadly sins, it is only a matter of time before you decide that you are going to have to open […]

Personal Capital Security Explained

Personal Capital Security Explained, Part 2

In part 1 of this post we covered some basics of cryptography. This post is going to make many references to part 1, so if you haven’t read part 1, proceed at your own peril. We’re now going to build on the basics to understand how Personal Capital solves two […]

Personal Capital Security Explained

Personal Capital Security Explained

I see you now, eyes steely with determination, mouth set in a grim line. You march towards your finances, resolve in your soul. You will not take no for an answer. You will master those numbers. They will bend to your will. You will make them set you free. The […]