If you want to stay on top of everything I write on Financial Samurai, you can subscribe to the Financial Samurai e-mail and private newsletter. The Financial Samurai e-mail is probably the best way to keep in touch. In 2009, the world was falling apart, and my net worth was taking a beating. I thought […]
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A structured note can save value investors from a bad trade. Let me share an example with an Apple stock structured note. Back in December 2012 I started geting interested in Apple (AAPL). The stock had fallen from $705 down to the low $500s as investors began to sour on its margins, the CEO, and
How A Structured Note Can Save Value Investors From A Bad Trade Read More »
Learning to be happy with what we have is on of the keys to long-term happiness. Money is only a tool to a better and happier life. Never forget this. Part of the reason why so many people are unhappy is because they are never satisfied. If you can find your ikigai, your “reason for
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Financial Samurai is one of the leading independent personal finance sites in the world. Started in 2009, Financial Samurai’s mission is to help readers achieve financial independence sooner, rather than later. Let me share with you The Financial Samurai value proposition and why you should sign up for my e-mail distribution list and free newsletter.
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The refinance window only lasts so long. There was a massive refinance window during the global pandemic. However, that particular refinance window has closed. Mortgage rates are now at 17-year highs and the housing market is at a standstill since everybody refinanced in 2020, 2021, and early 2022. When the next refinance window opens, I
The Refinance Window Is Closing: Historical Charts Of The 10-Year Yield Read More »
A number of you have asked me whether you should do a cash-in refinance. So, I’d like to share my thoughts on this interesting scenario. A cash-in refinance is basically when you pay down your existing mortgage to under a certain loan-to-value ratio in order to qualify for a mortgage refinance. Loan-to-value is calculated by
If you want to get ahead, why not just try harder? It sounds simple doesn’t it? Let’s see if trying harder is one key to success. Anybody who knows me realizes I’ve got very little talent in practically everything I do. Complex math was confusing so I stopped at Trigonometry sophomore year in high school.
Why Not Just Try Harder To Get Ahead? The Effort vs. Talent Debate Read More »
It should come as NO surprise to long time Financial Samurai readers that the IRS admitted to targeting conservative groups since Obama became President. The government already discriminates against those who make over a certain amount by charging higher taxes even though they already pay for the majority of all taxes. Meanwhile, the deductions and
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The virtual currency world has exploded with the popularity of Bitcoin and other crypto currencies. This post discusses Olim Dives, a startup before its time. When I first began investing in college with the money I earned from odd jobs in high school, I had no idea what I was doing. Online investing was a
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Are you wondering how to pay off a lot of credit card debt in one month? Let me show you how. It’s really quite simple. Several years ago, I put around $35,000 on my one and only credit card thanks to a home remodeling project and a new watch purchase. My “reward” was a 1%
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