After publishing my post on actions to take in a rising LIBOR environment, it dawned on me that besides refinancing your adjustable rate mortgage, you should also consider refinancing your student loans as well, if you have any. It feels like a lifetime ago, but I used to have ~$40,000 in business school loans that […]
How Student Loan Forgiveness Can Cost You A Fortune Read More »
Ever since publishing, How To Get Health Care Subsidies Under The Affordable Care Act, I’ve been feeling a little left out. In order to help others get health care subsidies, my family has been paying our full health care costs. It is an honor to help others, so I don’t mind. However, after not visiting
Getting Your Money’s Worth For The Health Care Premiums You Pay Read More »
The cheapest international city in the world is San Francisco. I have visited over 60 countries and over 150 cities and it is clear San Francisco provides the best lifestyle and wealth-building opportunities. Although you might see headlines that San Francisco is one of the most expensive international cities in the world, you’ve got to
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During times of stock market weakness, like during the vicious March 2020 sell-off, it’s a common knee-jerk reaction to find as many safe havens as possible. Some are happy to keep their money in money market accounts. If you are wondering: Should I buy CDs during a stock market correction? The short answer is that
Should I Buy CDs During A Stock Market Correction? Read More »
Cash management is important during bad times, but also during good times. Give the increasing volatility in the stock market, cash management is even more important to manage stress. At any given time, every investor must always decide three things: 1) How to invest their new cash flow 2) How to invest their existing cash
Cash Management Is Really All About Stress Management Read More »
There are three retirement goals to shoot for in order to comfortably walk away from your day job and remain retired. They are: Accumulate 25X your annual expenses Accumulate 20X your annual household income Be able to live off a 0.5% annual withdrawal rate Instead of viewing these retirement goals as at odds with each
Reconciling Three Retirement Goals: 25X Expenses, 20X Income, 0.5% Withdrawal Read More »
Let’s look at the best strategies to get out of debt. Once you get out of debt, you will likely become happier because you will feel less financial burden. I graduated from business school in 2006 with roughly $55,000 in student loans. Although $55,000 is a lot to pay off, I was already a “debt
The Best Strategies To Get Out Of Debt And Become Happier In The Process Read More »
Partially due to the pandemic, partly due to larger balances, more people are wondering whether they should withdraw funds from a 401k or IRA before retirement to help pay for life. There are plenty of reasons to withdraw money from a 401k or IRA early. Unfortunately, some people go too far and end up using
Legitimate Reasons To Withdraw Funds From A 401k Or IRA Early Read More »
Are you looking to buy investment property? Smart move given there is a ~4 million undersupply of homes and the economy is strong. This article will discuss how to correctly value and analyze an investment property for maximum potential profits. I’ve been a real estate investor since 2003 and have made millions in capital gains
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Hopefully, everyone who has access to a 401k is contributing to a 401k. To not do so is a mistake you don’t want to realize when you’re old and unwilling or unable to work. This post will discuss all the top 401k mistakes that hurt your retirement. Let us be clear. The government isn’t going
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