About The Author and Site, Guest Posts and Advertising

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Saving to Invest is a Personal finance blog that covers a wide spectrum of topics from money to taxes to working and retired life. Feel free to browse our categories/archives for a flavor of the topics and news items I cover. I started this website as a way to educate myself on saving and investing more effectively, but it has rapidly evolved into a serious venture as its popularity and presence has grown.

About me: I admit it, I am a personal finance junkie and this blog is the main channel through which I share my thoughts/views and hopefully add some value to my readers. Iam married with young kids, have a decent household income, growing share/funds portfolio and hope to retire sooner rather than later. Until the crashes of 2008, I was on track to hit the millionaire status by age 40, but now I may have to wait a few more years. While the year that was has made me reevaluate many of my money and investing philosophies, I am still an active investor and believe that in the long term, smart money management and regular investing are the secrets to financial freedom.

I hope you enjoy what I write about and get some useful ideas and information from the site. As always, I would love to hear your thoughts and feedback. Unfortunately, due to contractual reasons in my day job, I need to post somewhat anonymously. But I assure you, I am a real American living a normal life and try to make it like the rest of you out there.

You can subscribe here (cost = $0) to get the latest posts delivered by email or via your RSS reader. You can also follow this site and get regular updates via Facebook or Twitter.

So why Saving to Invest? I chose the title because, in my humble opinion, it reflects the secret to financial freedom for most people. Here it is : Wealth = Savings + Investments. Simple, and it is the basic premise of this blog and my financial philosophy. Unless you are bestowed with family money or win the lottery, the only way to reach financial freedom is to save effectively (i.e. don’t spend more than you earn) and to then invest that money effectively over the medium to long term in a diversified portfolio and retirement accounts. Easy? No, and it takes a lot of work, discipline and desire to get there. This blog reflects that journey and provide the information to help you get there.


If you are interested in advertising on this site or pursuing other commercial opportunities, please email me at advertising@savingtoinvest.com – Due to the volume of inquiries I receive it could take multiple business days to respond. I will not respond to offers for paid links/articles or items not related to this site.

Guest Post Submissions and Guidelines [NOT ACCEPTING GUEST POSTS (including PAID ones) at this stage]

Have something meaningful to say about the world of Personal Finance? Or perhaps you are an up and coming blogger or website owner that wants more publicity. Then consider writing a high quality original guest post for Saving to Invest. This site receives over 100,000 monthly visitors and has 9000+ subscribers. Guidelines for posts (strictly enforced)

  • Should be between 700 to 1200 words;
  • The post body can have a maximum of 2 links back to your site and 1 in the byline
  • Article must be 100% original (I will check it) and not published elsewhere. It must also be related to the topic of personal finance, taxes, economic stimulus, insurance, investing and/or saving money. E-mail me with proposed topics if in doubt.

*** No links back to purely commercial or selling sites. I am serious about this. I will not accept posts that link back to credit card, pay day loans or other “sales” sites. Please don’t waste my or your own time by sending me these SEO focused articles. 

If you are interested, then email me your original guest post at saving2invest@gmail.com – Please send articles as a word document or in html.

T&C’s for article submissions – I retain full editorial and approval rights, including removing and/or substituting links. I may also put in some related advertising of my own. Articles should stay away from direct product promotion and blatant advertising. However I may insert ads into guest or paid posts at my discretion. All articles will remain the property of this site and may not be re-published for a period of at least 12 months without permission. After 24 months, attribution links may be removed.

Examples of some recent guest posts:

Standard Site Disclaimer : The material, comments and posts displayed on this blog site is the copyright work and intellectual property of the author of this blog. Unauthorized copying and piracy is illegal and in breach of copyright laws in the United States and elsewhere. The content of this blog is the author’s opinion and personal view based on research conducted by him. Nothing written here is an invitation to buy or sell any particular security. Readers are encouraged to conduct their independent due diligence and seek advice from a qualified professional before taking action on any idea posted here. The author is not liable for any losses incurred by the readers. Click here to see the  Terms of use and Privacy policy covering this site

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6 thoughts on “About The Author and Site, Guest Posts and Advertising

  1. Do you keep an archive on how those have changed over time? I am thinking that the maximum periods nd perhaps the maximum payments were longer/higher in mid-2009 when the recession ended. How can I find these?

  2. I am widowed over 75 and trying to understand how much salary I may draw in 2018 from an entity I will control under circumstances as follows:
    1) the entity will have both a 401(K) and a ROTH 401(K) set up. The 401(K) to allow deferrals with 100% match.
    2) I contemplate being the only (full-time) employee. I may add either part-timers or independent contractors as necessary (if needed).
    3) I intend contributing (& therefore deferring) maximum allowed ($18500 ?) + Catch-up ($6500 ?) (= $25000 ?)
    4) Company would match ($25000 ?) but am I correct that (from your article) only $18500 would “count” toward my $55000 maximum from ALL (excluding Catch-ups)?
    5) If I read your article correctly, company could contribute maximum $36500 ($55000 less $18500). Thus, if I draw salary of $36500, company could match $36500 and I would have $11500 of (perhaps taxable) Gross Income. Am I correct so far?
    6) I would like company to make maximum allowable Profit-Sharing contribution to my ROTH 401(K). How much would that come to? Am I correct that, because $55000 ($18500 counted as from me and $36500 from the company), ZERO could be contributed to the ROTH 401(K)? I would not want that!
    7) Could the company match LESS THAN $36500 as a salary deferral and instead make a Profit-Sharing contribution to the ROTH 401(K)? How much less?
    8) With this information, the new Standard Deduction that will be applicable for me in 2018, and the new tax brackets that would apply to me, I may be able to figure out what salary would be “best”. Any thoughts?

  3. Recently I had same experience just like you. On May 29, 2015 I was panic to find my car and called 911. The police man gave me the towing company phone number. Even I had the permit they said that it is hard to see from the outside. I placed on top of my front window. I had to spent $160.00 to get back my car. My weekly payroll is only 184.34. After I get back my car, I had to live with $20.00. Life is not fair. I try to live honestly, sincerely , but my life is horrible.

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