Over the years, a number of you have asked me to write a review about what exactly goes on with a free Empower (previously Personal Capital) consultation. Personal Capital was purchased by Empower in 2000 and made the firm even better. The consultation is worth $799 according to them. Common questions include: Is the consultation […]
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A financial adviser should help manage your money properly and make you richer over time. The question I wonder is: Should your financial adviser be smarter and wealthier than you? If someone can’t count to 10 or still possesses a negative net worth after 20 years of work experience, it’s probably not the best idea
Should Your Financial Adviser Be Smarter And Wealthier Than You? Read More »
Are you wondering whether to invest in CDs? CDs are Certificates of Deposits, which are FDIC-insured for up to $250,000 per person. As the stock market and real estate market roar to record highs post pandemic, interest rates are also ticking higher. As a result, more people are logically wondering whether investing in CDs is
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Learn how to become a Certified Financial Planner thanks to Paul Williams from Provident Planning. He’s a fee-only financial planner in Lancaster County, PA, and regularly writes about personal finance from a Christian perspective. If you want to become a CFP®, he’d be happy to talk with you. I was excited when Sam invited me
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Education is the key to freedom for all of us. Therefore, I’ve made the decision to pursue a doctorate degree instead of seeking a fancy tech job. Specifically, I plan to earn a Doctorate in Business Administration with a focus on real estate from UC Berkeley. Considering my MBA from UC Berkeley in 2006, my
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Fundrise is my favorite private real estate investing platform. They specialize in Sunbelt residential and industrial real estate. The company began in 2012 and has grown exponentially. Fundrise has surpassed $7 billion in total asset transaction value and now has over 400,000 active investors. This article takes a deep-dive look at Fundrise’s historical performance and
Fundrise Returns: Comparison To Public REITs And Stocks Read More »
Just like job loyalty, bank loyalty often doesn’t pay. I made the mistake of being a loyal employee for eleven years at my previous firm. If I had job-hopped, I probably could have made $1 million more in my career. During my capital raising process to buy a home with all cash, I’ve had to
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The 60-day rollover rule enables you to borrow money from your retirement plans tax- and penalty-free. You can utilize the rule once a year. However, in general, I don’t think it’s wise to borrow from your retirement plans. If you do, you may get into the habit of robbing your retirement future. You may also
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During the summer, I like to work odd jobs to remind myself of the importance of hard work and determination. This way, it helps me not take for granted the things that I have today. Since starting Financial Samurai in 2009, I’ve been told countless times that I live in a bubble and I’m out
A Summer Job Landscaping A Rental Property With My Children Read More »
After the collapse of SVB and Signature Bank, I decided to review our existing banking relationships and see if we are well positioned to weather another potential bank run. I also wanted to share with you the ideal number of banking relationships to have to feel safe and sound. When I first started Financial Samurai
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