Blogger Profile

C.Osvaldo Gomez

Blog Info

Common Core Money
General Finance
Investing, Real Estate
Start Year:

Blogger Bio

Net worth:
Oceanside, California, United States
Life stage:
DIK (Dual Income, Kids)

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Latest Blog Posts

So I'm on day five of our 7 day family vacation that included a two-day stay in Los Osos-Morro Bay CA.  Currently typing this post up at my parent's condo in East San Jose.  It's been a few years since last the Gomez family visited the Bay Area.  It's always cool to see how much things have changed.  What's changed about San Jose?  1) More traffic  2) New shops and ...
Posted: Jul 19 2017 @ 8:30 PM
"Become a teacher," they said, "you'll get your summers off."  Well, folks, teachers don't get their summers off when they have small children, and that goes for all stay-at-home adults.  You see...little kids are like terrorists.  They have one mission during summer vacation: Fun!  They don't care what you, the parent, have to do on any given day of the week.  In fact, they don't even care that you have ...
Posted: Jul 14 2017 @ 2:06 PM
Credit cards and credit is not rocket science, but for many Americans, it may as well be.  A recent survey of 1500 Americans with credit scores under 640 ("Fair" to "Very Poor") by U.S. News produced some alarming findings.  Most Americans will agree that many among us misuse credit cards.  In 2016, the U.S. Census Bureau and Federal Reserve's data reported that the average credit card debt (for households that ...
Posted: Jul 10 2017 @ 1:11 PM
Let's face it...there's no state in the union like Texas.  My love for the Lone Star State began in the city of El Paso, the first U.S. city I set foot on.  Every time I travel to Texas, and I've also been to Houston and Dallas, I feel very much at home.  The cowboy hats, the boots, and other Western attire people wear regularly in Texas...well, that brings a smile ...
Posted: Jul 06 2017 @ 7:23 PM
If you haven't been paying attention, it's a great time to refinance!  30-year mortgage rates are still very low, and property prices have risen considerably.  If you bought a home during the 2009 crisis, well...congratulations!  You are probably sittin' pretty right about now with a ton of equity.  Still, this doesn't mean you should refinance your property, i.e., get a new 30-year mortgage.If you have a rate above 5%, refinancing ...
Posted: Jul 03 2017 @ 11:34 PM
Success is its own field of study.  Books on the topic go back to the days of the ancients, but when it comes to financial success and wealth accumulation, the earliest one I can think of is Dale Carnegie's, How to win friends and influence people, published in 1936.  I have a copy of this book in my library and I can tell you after having read it that its ...
Posted: Jun 30 2017 @ 10:56 PM
What's up everyone!  This is a good time to be in the market for a used car.  There's a ton of inventory out there and if you shop around with patience, you may be able to score yourself a great deal.  The car industry is struggling, just look at the charts for both GM and Ford (a stock I'm very long on) and you'll see dismal performance that begs for ...
Posted: Jun 28 2017 @ 8:44 PM
According to some latest statistics, there are now over 44 million Americans with student loan debt.  The average monthly student loan payment is $351.  The average student from the Class of 2016 graduated with $37,172 in total student loan debt.  By the way, these are all increases from the previous year.  I remember back in 2000 when I graduated from UC Santa Barbara, I had one question in mind all of ...
Posted: Jun 23 2017 @ 12:52 PM
I can't believe how much money advice out there is being given online that is plain wrong.  Most of this advice is being offered by Generation X'ers or Baby Boomers who have lived conventional lives and want those same conventions to be adopted by younger generations, namely, Millennials and Z'ers.  Vendors too are responsible for misleading the youth.  The mutual fund industry is trying to keep itself from dying out by aggressively ...
Posted: Jun 18 2017 @ 5:24 PM
Working during retirement may sound like blasphemy to many of you.  Actually, even the thought of being able to retire sounds like something out of a fairytale these days.  But let's say for the sake of this post, that you are able to retire sometime within the next five years.  And for consideration, let's also say that you don't want to completely hang it all up, and want to have ...
Posted: Jun 12 2017 @ 6:28 PM


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