If you’re looking to save money when buying a home, you may want to let only the listing agent represent you instead of having a buyer’s agent. This is called dual agency. It’s an unusual move, but one I’ve conducted three times. Overall, this strategy has saved me about $350,000. In real estate, a listing […]
Buying A Home Directly With The Listing Agent Can Save You Lots Of Money Read More »
As a real estate investor since 2003 and a private real estate investor since 2016, I’ve learned that understanding the capital stack is crucial to making smarter investment decisions. By grasping the nuances of debt versus equity investing in commercial real estate, you’ll be better equipped to invest in a risk-appropriate manner. Most individual investors
The Capital Stack: Debt Versus Equity Investing In Real Estate Read More »
In 2020, we bought a forever home. We found a relatively good deal as panic set in during the first month of lockdown. We decided that if we are going to be cooped up for an unknown period of time, we might as well live in a more comfortable space. The forever home is about
Enjoy Your Forever Home For Now, It Will Likely Change Read More »
One of the sad realizations I’ve had post-vaccination is that my life won’t really change. Although my family has some financial security and no bosses to report to, I’m not sure we will truly be free unless our loved ones are also free. The first thing I did after getting my second shot was try
You Will Never Truly Be Free Unless Your Loved Ones Are Also Free Read More »
Although being a millionaire sounds nice, it’s not that impressive anymore thanks to inflation. In order to be a real millionaire, you will need to have a net worth of at least $3 million, not $1 million. A $1 million net worth provided a great lifestyle before 1990. Not so much today. If you retired
Are You A Real Millionaire? $3 Million Is The New $1 Million Read More »
The average credit score in America is now 715 according to Experian in 2026. Back in 2019, the average credit score was 703. Hence, the average credit score has been inching up over time as household balance sheets strengthen and the excess of the past fade. During a global pandemic, the average American improved their
The Average Credit Score In America Is Now Excellent Read More »
If you want to be rich, happy, and free, you must cultivate your X-Factor. Your X-Factor can be building something on the side that makes money beyond your day job. Your X-Factor can also be developing a top 1% talent in a sport, music, or art that provides you a tremendous amount of joy. Some
Your X-Factor Is Key To Being Rich, Happy, And Free Read More »
Are you wondering when to take Social Security? The answer is a little more complicated than it seems. Officially, you can start your retirement benefit at any point from age 62 up until age 70. Your benefits will be higher the longer you delay taking Social Security due to Cost Of Living Adjustments (COLA) that
When To Take Social Security? Make So Much It Doesn’t Really Matter Read More »
If you decide to sell your house to simplify life, lock in gains, downsize, or relocate for a job, this article will help you minimize your capital gains tax bill. You may even be able to pay no capital gains tax after selling your house for big bucks. According to the IRS, most home sellers
How To Pay No Capital Gains Tax After Selling Your House For Big Profits Read More »
Back in 2019, I spoke to representatives at Yieldstreet at the LendIt conference in San Francisco to learn more about their platform. Ah, I miss those in-person conferences. What intrigued me about Yieldstreet was their investment offerings in legal, art, marine, and supply chain finance, which I knew very little about. In 2021, here’s a
Yieldstreet Overview And The Broader Alternative Investing Landscape Read More »
