Let’s look at the best alternative to peer-to-peer lending. P2P lending ranks last in my best passive income rankings. Therefore, it’s best to look for better investments. Since first writing about my plans to invest more in P2P through LendingClub.com, I’ve been having a difficult time mobilizing a sizable amount of assets to make a […]
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Zero coupon municipal bonds are a type of low-risk investment you should consider for the low-risk portion of your net worth. I’ve personally built a decent municipal bond portfolio to help generate more tax-efficient passive income. If you buy your own state’s municipal bond, you won’t have to pay state or local income taxes. Nor
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As an investor, you need to adopt a Yin Yang Investor Mindset. In other words, always recognize that whenever one asset class is booming, another asset class may be suffering. If you feel like you missed the boat with one investment, just know there’s another boat somewhere in the world waiting. My investment mindset as a retiree
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Now that President Obama has won, I’d like for us to have a mature discussion on the investment and economic outlook for the next four years. Let’s also touch upon how we should act in public now that big government is here to stay. In order to create wealth, we must make reasonable assumptions about the future
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If you want to know how to get rich, you must practice predicting the future. The better you get at predicting the future, the more money-making actions you can take. Do you remember the scene in Back To The Future Part II when Biff Tannen opens up a safety deposit box and reveals to Marty the
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I originally wrote this post in early 2016. LIBOR has risen dramatically because the Fed has raised rates 11 times since 2022. Therefore, this post still has relevance today on actions to take in a rising LIBOR enivornment. This LIBOR has risen dramatically since the end of 2015. The catalyst was the Fed raising the
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If you want to achieve financial independence, focus on building net worth even more than growing income. A big net worth gives you more flexibility. You are also taxed at a lower rate. A high income is great. But W2 income is taxed at the highest rates. Instead, you want to generate as much investment
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Crowdsourcing knowledge is a good idea if you want to invest in commercial real estate. Commercial real estate is one of my favorite asset classes to build wealth post the pandemic. I particularly like residential and industrial properties in the Sunbelt, where Fundrise mainly invests. Office properties in coastal cities look like good value as
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A do it yourself investment checkup guide is vital for all DIY investors. I’ve been a DIY investor since 1996, when I invested in my first stock online through Ameritrade. Investing myself lead me to a career on Wall Street in equities and then to starting Financial Samurai in 2009. Everybody should get in the
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Let’s look at some investment strategies for retirement baed on modern portfolio theory. As a retiree, you are focused more on capital preservation since you can’t or don’t want to go back to work. After publishing my post, The Best Asset Allocation Of Stocks And Bonds By Age, I decided to do a comparison of what
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