As a landlord since 2005, I believe in developing a good relationship with my tenants. I treat my tenants as customers and want to provide the best living experience possible. This article provides tips for prospective tenants in a strong rental market. If you are a landlord looking to find great tenants, this article should […]
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One of the downsides about early retirement is the expensive cost of healthcare in America. Without an employer subsidy, the average cost for a family healthcare insurance plan is about $27,000 in 2026. This post is about how to compare health insurance plans and save money. The extreme cost of healthcare is one of the
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Are you wondering whether private grade school K-12 is worth it? I am since I have two young children and both of them now go to a private Mandarin immersion grade school. I originally wrote this post in 2016, before my children were born. Now I have the experience of paying for four years of
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Everybody should have a net worth target to shoot for by age, work experience, and income. Net worth targets will help you stick to your financial plan and motivate you to do more. With net worth targets, you will likely build way more wealth than if you had zero net worth targets. Too many people
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An Income Sharing Agreement, or ISA, is an alternative way for students to pay for university. Traditionally, students take out loans and take all the risk. If a student graduates from college with no job or a low-paying job, a university isn’t going to make up the difference. This asymmetric risk profile is one of
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The best area to buy property in San Francisco is Golden Gate Heights followed by Forest Hill. For lifestyle and price appreciation potential, Golden Gate Heights is number one. Golden Gate Heights is a quiet neighborhood on the west side of San Francisco, which is a vibrant, safe, and growing area that is attracting families
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According to the U.S. Census Bureau’s Income and Poverty Report In The United States, real median household income data reached all-time highs in 2022 at $76,330. However, it declined by 2.3% to $74,580 in the latest report released in 2H 2023. For 2025, the real median household income is about $80,000. Wonderful! In the prior
Real Median Household Income By Race Reaches Record Highs For All! Read More »
The home remodeling industry is booming because everybody is spending more time at home. In addition, with all the chaos and uncertainty under the new administration, the desire to own real assets that generate income and provide utility has also gone up. The housing market will likely stay robust for years to come as a
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In March 2020, we pulled our son from preschool. We ended up homeschooling him until August 25, 2021, or for 18 months. He’s now attending a language immersion school and so is our daughter. Our experience has taught us that homeschooling can be incredibly beneficial. It is more efficient and can provided customized learning for
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The US government has blessed us with the ability to deduct our mortgage interest expense from our income. This thereby enables us to lower our tax liability. The maximum mortgage tax deduction ultimately depends on income, which I’ll get into below. Although you could deduct mortgage interest on up to $1 million in mortgage indebtedness
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