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 »
Thanks to the fantastic work by the Department Of Justice and the FBI we have learned the average bribe it takes to buy your kid’s way into an elite private university is between $250,000 – $400,000. Although, some bribe amounts went as high as $6 million. The 10-month-long investigation, code-named “Operation Varsity Blues,” uncovered large
The Wide Implications Of The College Admissions Bribery Scandal Read More »
If you’re anything like me, you’re constantly thinking about good small business venture ideas to make money. Through either addressing an unmet need or making something better or inventing the next Facebook, you could be deriving a nice side-income outside your routine day job and have an eventual payday down the road when you want
Good Small Business Venture Ideas To Make Money Read More »
Everybody is getting pumped about the new wave of tech IPOs. These SF Bay Area tech IPOs include Uber, Lyft, Airbnb, Slack, Pinterest, and more. Although some had a hard start initially, all tech IPOs have pumped billiocns into the SF Bay Area economy. The default assumption is that these tech IPOs will bring in
How New Tech IPOs Could Cause SF Bay Area Real Estate Prices To Fall Further Read More »
Do you really want the financial freedom to do what you want when you want? Are you willing to make sacrifices today so you can be free tomorrow? If you aren’t willing to delay gratification, I’m not sure you want financial freedom bad enough. In 2009, with the launch of Financial Tips, I kickstarted the
Financial Freedom: Maybe You Don’t Want It Bad Enough Read More »
Whether you are unemployed by choice or due to unfortunate circumstance, having health insurance is a must. According to The American Journal Of Medicine, 62% of all bankruptcies in 2007 were health related and that’s before the economic meltdown. What’s more frightening is that back in 2001, health related bankruptcies were “only” 45% of total.
Cheap Health Insurance Options For The Unemployed, Self-Employed, Or Early Retiree Read More »
The fear of running out of money in retirement is a rational one. After all, you’ve spent your entire career making and saving money, not pilfering your retirement accounts. But as someone who has been retired, or at least semi retired since 2012, I’m here to tell you the fear of running out of money
The Fear Of Running Out Of Money In Retirement Is Overblown Read More »
