Earth Day – Simple things to save Money and Earth as well

We only think about conserving energy and saving the planet when the gas price goes up and when we feel the pinch in our budget. But every year Earth Day reminds us that we need to do something whether gas price is up or down. It also gives us opporunity even during this time of unprecedented environmental challenge, for every citizen to make an impact.  This year Earth day is on April 22 and I want to share few simple things which I do every day and has an impact. You can also try it out and be satisfied for doing something.

1. First thing, avoid paper bills unless its really necessary. If we all reduce paper usage, it will eventually reduce the number of trees cut for this purpose. Many utility companies, financial institutions like banks, mortgage servicers, insurers are campaigning to reduce the paper waste by requesting customer to signup for ebills over the internet or email. Obviously they have better motive  which is to reduce their cost but still it makes sense to help reduce the paper waste by moving to ebill solutions. But do it subjectively.

If you think your bill will change every month and needs to verify before paying, you shouldn’t sign up for auto withdrawal but if they have an option to get ebill and then pay online then go for it. If they only have option for ebill and automate the payment, then continue with paper bill in those situations. On the other hand, if the bill stays same all throughout the year, you don’t need the paper bill. For example, mortgage is always going to be same every month and you can avoid paper bills instead get ebill reminder to pay them or setup auto deduction.

2. Next comes Electricity. We use lot of electricity at home everyday which is either generated by Coal or Wind. Wind is good but we don’t have lot of windmills to support our electricity demand. Currently it’s most electricity comes from coal which has lots of waste and emissions. For your part, reduce electric consumption by using fluroscent bulbs as much as possible instead incandescent  bulbs.

You might find incandescent bulbs cheaper than compact flourescent bulbs but things are getting better these days. Even if you pay more and buy flourecent bulbs  they will last longer than their counter part. So think again and do the right thing. We changed 90% of lightings to flourescent bulbs. Also Turn off the lights when you leave a room whether at home or office. Start making it as a practice. Don’t forget to Turn up the Thermostat during summer and Turn down during Winter. Turning up to 78 degrees uses less electricity and Turning down to 65 degrees during winter will use less natural gas to heat up. Both saves you money and good for the environment.

3. Plastic is another big chemical waste which is ruining our earth’s composition.  Try to reduce plastic waste. It also emits lot of unhealthy gas during decompositon or recycling process. You can help by reducing the plastic use by reusing them as much as possible. For example, save Ziplock bags or any plastic bags after first use and try to use them few times before you throw it out. Avoid bottle water if you can use filteration system like Reverse osmosis. That reduce plastic waste and also gives you good, healthy water for cheap. Check out a Costco offer for Reverse osmosis I posted last week.  


4. Water is another precious resource from mother nature. Try to reduce water consumption by not  leaving the water running while brushing your teeth or shaving.  Nearly tens of gallons of water just goes down the drain during our daily activities. By saving water, you save money and also natual resource which is getting wasted. So try to avoid wastage by only using limited quatity when needed during shaving, doing laundry, watering the lawn, washing the car, washing dishes.

5. Finally, Petroluem/Gas/Oil. Carpooling is the best way to reduce carbon footprint by reducing fuel consumption and also saves money on fuel cost and vehicle mileage. Also there are reports about effective driving can reduce gas usage. May be it’s true but it is hard to change your habit immediately whether it’s good or bad. No harm in trying, so I recommend you try one change at a time and see the effect and go from there. Like try to avoid rising your engine too quickly when you start from lights. Do it slowly which won’t consume more fuel. Try small things like above and you might see the difference in your gas tank.

These are just simple things which I follow and feel good in both saving money and helping save the planet. There are many websites like this one which shares lot more tips to help to do your part and make an impact in reducing bad impact to our Mother Earth.



Happy Earth Day!!

Another exam, Another license – Why I took Texas Real Estate Salesperson License Exam?

Many of friends were puzzled after hearing my recent action about passing yet another exam. That’s right, I took the Real estate Salesperson license exam and passed with flying colors last weekend. Being an IT guy, they know that I already went out of the league to clear the CFP exam inthe first attempt and now Real estate license exam. What’s going with this guy? Is he going crazy by just taking exam after another?

I did answer few of them but decided to post this blog so it might also help others out there who is thinking about making a career change or add more feathers to their hat to take a part time career when it gets tough in these hard economic times.

Real Estate Investing


I started my real estate venture in 2007 when I bought my first rental property. I am well experienced as an investor and part time rental property owner by taking on all sorts of issues with my property staring from fixing problems, hiring handymands to evicting the tenants. After all that, I bought my another property last year and currently both of them are paying themselves with few issues now and then.

With this rental propert experience, I been encouraging and mentoring few of my friends to invest on rental property. Few of them already invested and reaping the rewards of the current good real estate investors market. 

Why do I need Real estate license?


With this sound background in real estate and CFP knowlege, I thought why don’t I start putting the dots and dots together. That way I can help out people in setting their financial house in order and also assist them buying their new home or invest in the rental properties to include in their portfolio. 

In order to do that, I felt it’s better to have the real estate license so I can legitimately help the clients on their home search, negotiate offers for them and also get into property management in the future. Depending on the clients risk tolerance, I am planning to offer different strategies in real estate so it won’t be burden for them.  That’s the whole idea behind getting yet another license so I will have flexibility to help people by doing things in the right way possible.

What are other benefits of having Real Estate Salesperson license?

At the same time, I figured there are other added benefits in having the real estate license.

1. When I buy another property for investing, as buyer’s agent I will save time sending offers quickly instead of depending another agent. Also I even get 3% buyers agent commission which can help with my closing.

2. I can also help friends and families by giving commission rebate who are either planning to buy new home or resale home . It is allowed in Texas if disclosed in papers. That might help with their closing as well.

3. Finally, I can also able to earn some commission out on purchasing investment properties for the clients even after giving some commission rebate.

It seems like lot of advantage to have the real estate license. As always there are two sides to a coin and so far I talked about the good things. But I didn’t talk about the other side. I came to know about expenses and other hassles related in getting and carrying a valid license which I will discuss in the later post.

BTW, I came to know if I need to practice my CFP before getting CFP certification as a independent planner I need to have Security 65 license. I also need to be registered with State and FINRA which is lot of paper work and more fees.  So I havn’t decided about going through that route or find a way out. Don’t be surprised if you hear I am preparing for another exam.

Watts Premier Reverse Osmosis will be on sale at Costco for $149.99

It is a damn good price with saving of $40 from the costco’s original price. Currently selling for $189.99 at costco.com and $249 at watts.com store. This offer is from Mar 28 – April 25, 2011.



It is a 5 stage VOC filteration system capable of filter most of the contamination and bad things in the water. It uses 3 filter and a membrane. Filters cost around $15 for 6 months and membrane which is $75 needs to change only every 2-5 years or so depending on the water quality. Installation is reasonbly easy and doesn’t take a long time if you are do-it-yourselfer.

I been using this same Watts WP-4v RO system for well over 4 years. It has always given good tasty and healthy water and saved me a lot of money and time as well. Actually I am upgrading my old system to new one by taking advantage of this offer because I need to change my membrane anyways which is around $75. So if I buy this system for $150, I get new membrane and new filters and new system for another $75 extra which can run for another 4 years or more.

Let me do some math to help you out. If you are family of 2 and uses 10 gallons of drinking water by buying 5 gallon Ozaka water pack in Costco for $4.50. You will be spending approximately $9 per week which will come out to $468/year. If you buy this system, $149+tax as one time investment and $35 for filter per year which is an on going expense of only $35, saving $400 or so. Only disadvantage on any RO filteration system is it takes 3 gallons of water to make 1 gallon of good water. So you might pay extra for the water every month. Even if you pay $10 extra on your monthly water bill and spend $75 after 2 years for membrane, you will still save a lot and more in the long run.

I strongly recommend to take advantage of this offer starting next week if you are looking for a filteration system which is less expensive and does the job right giving you good water for drinking as well cooking.

Click to check out more details about the system.

Image source – Costco.com