I originally wrote this post in early 2016. LIBOR has risen dramatically because the Fed has raised rates 11 times since 2022. Therefore, this post still has relevance today on actions to take in a rising LIBOR enivornment. This LIBOR has risen dramatically since the end of 2015. The catalyst was the Fed raising the […]
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If you want to achieve financial independence, focus on building net worth even more than growing income. A big net worth gives you more flexibility. You are also taxed at a lower rate. A high income is great. But W2 income is taxed at the highest rates. Instead, you want to generate as much investment
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Crowdsourcing knowledge is a good idea if you want to invest in commercial real estate. Commercial real estate is one of my favorite asset classes to build wealth post the pandemic. I particularly like residential and industrial properties in the Sunbelt, where Fundrise mainly invests. Office properties in coastal cities look like good value as
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A do it yourself investment checkup guide is vital for all DIY investors. I’ve been a DIY investor since 1996, when I invested in my first stock online through Ameritrade. Investing myself lead me to a career on Wall Street in equities and then to starting Financial Samurai in 2009. Everybody should get in the
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Let’s look at some investment strategies for retirement baed on modern portfolio theory. As a retiree, you are focused more on capital preservation since you can’t or don’t want to go back to work. After publishing my post, The Best Asset Allocation Of Stocks And Bonds By Age, I decided to do a comparison of what
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During times of uncertainty, make sure you are on top of your cash. Cash management is really about stress management. The more cash you have and the better you know your cash flow, the less stressed you will be. Buying anything close to the top of the market is risky. For stocks purchased in 2000, it
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The people of Great Britain decided to shoot themselves in the foot and punch the rest of us in the face by leaving the European Union (Leave: 51.9%, or 17,410,742 votes, versus Remain: 48.1%, or 16,141,241). The movie is dubbed Brexit. As a result, the pound fell to its lowest levels in 31 years and
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In America, we are truly blessed with opportunity to help us chart our own course and grasp success as much as we desire it. Services provided by financial institutions are one of the things that we as American citizens have easy access to, allowing us to utilize financing and credit to further our goals in
Kiva Loans: Alleviating Poverty Using Microfinance Read More »
China is one of the wealthiest countries in the world. With over 1 billion mainland Chinese, it is an inevitability that China will become the richest country in the world one day. Here’s a look at how to profit from the wealthy mainland Chinese as they look to buy more foreign assets and diversify. Mainland
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In order to achieve financial freedom, you must build your financial nut as large as possible. Once you have a larger enough financial nut, it will be able to generate enough passive income to cover your living expenses. This is the true definition of financial independence. In some years, your financial nut will return an
Build Your Financial Nut: 401(k) Retirement Contributions Matter Less Over Time Read More »
