What is this about?

So, blogging about money is certainly not a new concept. In fact, money blogs have been receiving media attention for a few years now. So, why am I starting a blog? Well, I figure, I am obsessed about this subject. I am constantly learning more about this subject. So, I thought I'd start a blog to have a place to collect what I have learned.

This is what this blog is going to be about. It will be a collection of everything from credit cards to retirement to whatever. Basically, I will cover whatever topic that was of importance to me at that moment. And since money is what makes the world go around, that pretty much limits to subject matter to everything ;)

As of today, I am a late twentysomething in grad school. Prior to grad school, I had a full-time job as a stock trader for a major full-service brokerage. So, some of my doctrines are influenced by the mainstream thoughts. However, as you continue to read the blog, you would realize that I have not been brainwashed. In fact, I have some very controversial ideas of my own.

In case you are wondering, my grad school concentration is in marketing. My post graduate job will be in marketing for a pet food manufacturer. So, I am no longer one of the drones in the financial services industry. (This is probably a good thing considering what's going on in that sector.) However, I am forever grateful to have had that stock trader job right out of college. It had instilled in me the importance of managing my personal finances.

I know some bloggers are very open with their finances. I am not yet quite comfortable with that. But here is what I will share. I have a small (and I mean small) five figure Roth IRA at my former employer. Other than that, I have basically no savings. In fact, I have racked up quite a bit of student loans over the past few months. I live off of student loans at the moment, and my loan checks are stored at a high yield savings account. I have a small credit card loan at 4%. I decided to keep that card open because the rate is too favorable. I pay off the balance of every other card every month.

Of course, last but not least, the disclaimer: This is a blog. Nothing more. This is a blog of my personal lessons and personal opinions. Please do not take this as your sole source of information in making your decisions. I do not claim to be qualified to give any professional advice.