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Financial Goals

Short Term (One Year or Less):
-payoff $20,000 in school loans / car payment in one year, as of June 2016.
  •  Down to $8,500 as of Jan 2017
-Update Stock Analyzer to display 10 years worth of financial data for everyone, versus the 5 years currently.
  • Completed and in validation
-Generate $500 per month extra cash from side gigs and safe stock options.
  • Currently averaging closer to $150 with options.
Long Term Goal (> One Year):
-Achieve 50% savings rate of net income.
  • Currently at 30% - Jan 2017                   
-Financial Independence within 10 years.
                              * I post goal updates in the blog.

    Welcome to You Be$t Inve$t !!

    If you like talking about money, investments, early retirement, growing your net worth, and just being an overall financial badas$, you'll hopefully like this site. Sign up and get my posts emailed to you, and while you're waiting check out our Free Investment Tools and high quality Stock Analyzer.
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Latest Article: Thinking About All Things Retirement (and plugging the new YBI Portfolio and Retirement Tool).

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 For those of us that strive to control our finances and get ahead in life, being able predict what a potential portfolio will be worth in the future is absolutely essential. If I save $100/month for the next 10 years, what will the value of my portfolio be? More importantly, what will my purchasing power be? What if I increase that $100 per month by 10% per year? What if I only make quarterly deposits to my account? These are all questions that effect real people every day.

The problem is that projecting an investment portfolio into the future requires many assumptions. The most important of which is the rate of return you expect to earn on your investments. The second most important is what the inflation rate will be during that same time frame. While most people track stock market returns like a hawk, they don’t look at the other side of the coin. If the stock market returned 10% in one year, that’s great right? But what if inflation was 12%? Congratulations, your purchasing power decreased by 2%. Dammit!!!

In searching for high quality investment calculators online, I found that the majority are just too simple. They either don’t allow you to input a recurring payment (such as monthly or quarterly), or they don’t take into account inflation, or they don’t allow you to differentiate what your returns would be between stocks and bonds, etc. Most of these online calculators just don’t have enough customization options to truly get a picture of what an individual’s future portfolio could look like. Therefore… they’re useless! Plain and simple! These calculators are about as good as a large pile of mierda.

So I wrote my own portfolio and retirement spreadsheet, and I made it customizable. Take a look at the input screen below. You’ll notice that it allows you to specify a payment frequency, as well as a growth rate. It will take into account your allocation between stocks and bonds, and the corresponding returns. It allows you to input an inflation rate. And best of all, it allows you to build up a projected portfolio value, and then analyze it using three different retirement approaches.  Read on...

The Stock Analyzer Tool

The Stock Analyzer is an automated stock analysis tool, geared towards value investors developed to make stock analysis faster, easier for the average person, and above all affordable.

I use the analyzer extensively for any stock I'm considering purchasing, and it's been extremely helpful in interpreting the financial strength, viability, and fundamental value of the company.

Try this tool risk free. I stand behind my work and am confident it'll help you as much as it's helped me.
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A variety of financial tools are available for free download. Just visit the Free Tools page.

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