There’s a common joke here in the SF Bay Area. How do you know someone went to Stanford? They’ll tell you within the first couple of sentences. We Americans have a tremendous desire for status and prestige. When we work hard for something, it’s our second nature to tell everybody about our achievement. You do […]
The Definition Of American Prosperity Needs An Adjustment Read More »
Before I show you the 20-year annualized returns by asset class between 1999 – 2018, I want you to guess the following four things: 1) Of the following asset classes, the S&P 500, a 60/40 stock/bond portfolio, Bonds, a 40/60 stock/bond portfolio, REITs, Gold, Oil, EAFE (Europe, Asia, Far East), national real estate, which performed
Annualized Returns By Asset Class From 1999 – 2018 Read More »
If you want to get rich, it’s probably wise to buy real estate as young as you can. Inflation is too powerful of a force to combat. The earlier you buy real estate, the more you can let your returns compound. In addition, buying real estate keeps you disciplined as a forced savings mechanism as
Buy Real Estate As Young As You Possibly Can Read More »
The college admissions scandal that involved rich parents buying their kids way into various schools is a shock. It was dubbed Operation Varsity Blues. However, there is a legal way to profit from the college admissions scandal as well. A good investor always looks for opportunity no matter the circumstance. If you can identify and
A Legal Way To Profit From The College Admissions Scandal: Student Housing Read More »
As a credit card user, it’s also good to explore the benefits of debit cards. Here are some of the benefits of debit cards over cash and credit cards. I have mainly used credit cards since college. If you are the same, then this post will look at ways in which we can use both
The Benefits of Debit Cards Over Cash and Credit Cards Read More »
Are you wondering how to get your spouse to go back to work after having a baby? I am since having our second child. Ever since my son was born, I’ve felt increased financial pressure to provide. It didn’t matter how much I had in the bank or how much our net worth had grown
How To Get Your Spouse To Go Back To Work After Having A Baby Read More »
In general, I’m a fan of paying off your mortgage, no matter the situation. However, paying off your mortgage is a bad move whenever the yield curve is inverted. Paying off your mortgage is a suboptimal decision when you have a negative real mortgage interest rate as well. I’ll use a case study to explain
Paying Off Your Mortgage Is A Bad Move When The Yield Curve Is Inverted Read More »
Plan for retirement so you can live well when you no longer can or desire to work. This post will show you how to plan for that inevitable day. The main reason why I’ve gotten more conservative with my investments is not because valuation for the S&P 500 is near an all-time high and earnings
How To Plan For Your Retirement The Second Time Around Read More »
Travel hacking is one way to save money on travel. This post is part of a travel hack rarely discussed. It sets up the stage and provides some insights into more extravagant spending. We’ll also explore whether more luxurious living is really worth the price. When I got to the 4th floor of my hotel
Guilt-Free Travel Hacking: Finally Living Large On A Modest Budget Read More »
March 12, 2019 is a day I’ll never forget. Not only did the college admissions bribing scandal break that morning, we found out our boy got waitlisted by two preschools. Waitlisted is really just a euphemism for rejected. The first preschool was a Mandarin immersion preschool I’ll call PooPoo about 20-25 minutes away. We had
Perhaps Bribing For Admissions Starts In Preschool Read More »
