If you are a homeowner, your mission should be to try and lower your property taxes whenever there is a downturn. You should also try and fight any egregious property tax increases as well. The city counts on homeowners to rollover and not put up a fight. Ever since 2008 I’ve been fighting to lower […]
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Never ask to borrow money from a friend or family member. If you do, you’re likely asking for trouble. You might no longer be friends once money is involved. It is much better to find a way to come up with the money on your own, especially if it is a want and not a
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With mortgage rates staying stubbornly high, even after the Fed cut rates starting in September 2024, it’s time to start worrying about the housing market again. Housing affordability is at an all-time low and prices could easily start declining again. That said, demand is still relatively strong from trade-up buyers and institutional investors. A lot
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After you purchase a home with a mortgage, you may start noticing solicitations in the mail for Mortgage Protection Life Insurance (MPI). Often times, the mail contains alarmist headlines such as: IMPORTANT NOTICE! PLEASE COMPLETE AND RETURN! FINAL NOTICE! MORTGAGE PROTECTION CARD! NOTICE OF OFFERING! MORTGAGE FREE HOME PROTECTION! This type of scare tactic should
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The secret to weight loss is not more exercise. The secret to weight loss is eating less. In the process of eating less, you’ll also save more money. I wrote this post on July 25, 2009, and wanted to revisit it 11 years later. I was 165 – 167 lbs back then. Today I’m 168
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Let’s learn how a structure note works. In CD Investment Alternatives, I touch upon structured notes as a potential CD replacement. Structured notes are riskier than CDs given CDs have a $250,000 FDIC guarantee per individual. That said, it looks like there is some interest in structured notes based upon the comments. Let me first
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Bonds don’t get as much love as stocks because they are considered boring. It’s hard to get rich quick off a bond. But it is possible to see a quick windfall if you pick the right high-flying stock. Despite the lack of sexiness in bonds, if you’re serious about achieving financial independence or are already
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This post was written in January 2020, when the yield curve was inverting. That was the time to refinance your mortgage and I encouraged the entire Financial Samurai community to do so. We did, and are sitting pretty with low mortgage rates and higher property prices. Whenever the yield curve inverts, refinance your mortgage. Let
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Here are some things to do and think about before quitting your job. As someone who negotiated a severance in 2012, I strongly believe you should never quit your job! Always negotiate a severance instead so you have a nice financial cushion for the next chapter of your life. The people who quit their jobs
Things To Do And Think About Before Quitting Your Job High Roller Read More »
Given the bull market has exacerbated the wealth gap, practicing stealth wealth is a strategically wise move. You don’t want to attract haters just because you decided to diligently save and invest all these years. Instead, you want to blend into the crowd so you can live a carefree life. The global pandemic has also
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