During the 2008 – 2009 recession, I lost about 35% of my net worth in about six months. I don’t plan on doing that again. I want to share how we can make lots of money during the next downturn. In 2022, the S&P 500 gave up all its 2021 gains. However, thankfully, the S&P 500 […]
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Stocks have returned roughly 10% a year since 1926. The question is: What percent of Americans own stocks? According to a 2023 Gallup poll, roughly 61% of Americans own stocks. That’s up from 58% in 2022, 56% in 2021, and 55% for 2018-2020 According to the Federal Reserve, of the 10 percent of families with
What Percent Of Americans Own Stocks? Read More »
Below are the top financial products I use or have used to help me achieve financial freedom. Each product provides an actionable solution that is synergistic to the advice I provide in my articles. There are literally thousands of products to choose from and I’ve passed on 99.9% of them. Let me help you cut
Top Financial Products Read More »
Are you wondering how the stock market has performed during previous Fed-rate-hike cycles? This article will explore whether stocks perform well or poorly when borrowing costs rise. On March 16, 2022, the Federal Reserve approved its first rate hike since December 2018. 11 Fed rate hikes later, the Fed Funds rate is at 5.25% –
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Well folks, the volatility is back again. There’s a growing chance of a recession after 11 Fed Rate hikes and now trade wars by the Trump administration. What’s worse, there might actually be stagflation, where inflation remains high while economic output declines. For those of you who’ve been consistently investing since 2009 or earlier, experiencing
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Unfortunately, we may have to accept the reality of living with dead money for a while. The forecasts of lower expected returns in the stock market over the next decade may very well be coming true. As a result, we must adapt and think ahead. In this post, I’d like to discuss several suboptimal financial
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Term life insurance is the cheapest, most appropriate, and best type of life insurance for the vast majority of Americans. Whole life insurance is the other type of life insurance with a cash component that can be used to build wealth in a tax-deferred manner. I’ve personally got a $1 million, 10-year term life insurance
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It’s not easy refinancing a rental property mortgage nowadays. The lending market has tightened up with higher rates and fears of another recession. This article will discuss the documents needed to refinance a rental property mortgage. Rental property mortgages are always between 25 to 50 basis points higher than a primary home mortgage due to
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My grandfather used to own a small, 8-acre fruit and plant farm on the western side of Oahu. It was a magical place nestled next to the majestic Waianae mountain range. The farm was part of his retirement income strategy as he rented out a portion of the land to his neighbors who grew green
FarmTogether Review: A Sustainable Farmland Investment Manager Read More »
Whole life insurance is a type of life insurance designed for individuals who plan to have significant assets or have significant assets while also desiring to protect their family from an untimely death. Coverage does not expire as long as the policyholder’s account is active and in good standing. If you’re looking to buy whole
Whole Life Insurance: What It Is And How It Works Read More »
