Why An Adjustable-Rate Mortgage Is Better Than A 30-Year Fixed-Rate Mortgage

128 Comments / Mortgages / By

For most people, an adjustable rate mortgage is better than a 30-year fixed-rate mortgage. With an adjustable-rate mortgage, you will likely save more money during the duration of your ownership. Even in a rising interest rate environment, an ARM will likely still save you money in the end because rates will eventually go back down. […]

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A Money Gratitude Journal: The Best Way To Feel Better In A Bear Market

30 Comments / Investments / By

To get through a bear market, you should have a money gratitude journal. It will help you feel more appreciative about everything you have. Simply write down all the things you spent money on that could have been invested in the stock market instead. That is the amount of money that you spared from getting

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Overcoming The “One More Year Syndrome” To Do Something New

66 Comments / Career & Employment, Retirement / By

The “one more year syndrome” is a debilitating syndrome faced by people who want to retire but keep putting retirement off. Before you know it, the one more year syndrome might turn into five years or even 10 years of still working at the same place. Then you might look back on your life with

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Follow The Money: A Look At The Best Paying Government Jobs

86 Comments / Big Government, Career & Employment / By

This article looks at the best paying government jobs. Government jobs may not pay as well as private sector jobs, but the benefits and pension are very attractive. Government jobs are also very secure, which is something attractive during a bear market or a pandemic! In fact, due to a collapse in interest rates in

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Alternative Investment In Venture Debt For Income And Returns

30 Comments / Investments / By

Alternative investments continues to grow as a percentage of my portfolio. I like alternative investments because they tend not to have any visible volatility. Further, I can make an investment not not have to think about the investment for many years. In this article, I’ll discuss why I’m investing more in debt. Alternative Investment In

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Fundrise eREIT™ Review: Real Estate Investing For All Investors

69 Comments / Product Reviews, Real Estate / By

After publishing my post, Focus On Trends: Why I’m Investing In The Heartland Of America, a couple readers pointed out that Fundrise, one of the leading real estate crowdfunding platforms, offers various eREITs. Further, on February 13, 2019, Google announced they are investing $13 billion in heartland real estate to expand their offices and data

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A Successful Real Estate Crowdfunding Investment: Key Lessons Learned

35 Comments / Real Estate / By

This article will profile a successful real estate crowdfunding investment. Real estate crowdfunding started in 2012 and is therefore a relatively new investment alternative. However, real estate has been one of the longest investment classes in history. In October 2016, I decided to invest $10,000 in my first real estate crowdfunding investment. It was a

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Why I’ll Always Regret Selling My Online Business For Millions Of Dollars

60 Comments / Entrepreneurship / By

During my exploration process of selling Financial Samurai, I consulted with a friend who sold his website for $2.8 million some years ago. He offered to share what transpired, what he would have done differently, and why he wished he would have held on. He regrets selling his online business. The numbers and timing have

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The Economy Or Maybe Your Life: How Much Pain Are You Willing To Endure?

187 Comments / Retirement / By

Americans are facing a difficult dilemma during the pandemic. We have to decide between the economy or maybe your life or my life. How long are we willing to purposefully shut down our economy to combat the coronavirus and risk losing even more people due to a great depression? I don’t know the answer, which

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