马虎活得糊糊涂涂，糊涂做事马马虎虎
难得糊涂。望能帮助大家解答投资理财的问题。使大家在投资理财的过程中， 不马马虎虎以及不糊糊涂涂被人忽悠, 尽快实现财务自由。
博文
(2017-12-13 21:38:36)
First,Ihavetworealstoriesaboutafamilywithlifeinsuranceandafamilywithoutlifeinsurance.Thetwofamilies'outcomesaretotallydifferentaftertheprimarybreadwinnerdied.
Thefirststoryisaboutafamilywhenthehusbanddiedinhis40ssuddenlyfromaheartattack.Becausehehadpurchasedseveralmilliondollaroflifeinsurance,hisfamilydidnotsufferfinancially,theywereabletokeepthehouseandtwochildrenwenttoprivateuniversities,...[阅读全文]
(2017-12-10 19:51:58)
Investmentisveryimportantforraisingfamily,kids'education,andretirement.Formostofuswhoearnanincomefromworkingforacorporation,investmentdoesnotneedtobeacomplicatedthing.Hereisasetofquestionsandanswerstohelpyouinyourinvestmentjourney.
Doyoumaxoutyour401(k)?
Youshouldmake401(k)contributionsassoonasyoustartworking.Ifyourcompanyhas401(k)contributionmatching,thatisfreemoneyandyouaregettingarais...[阅读全文]
(2017-11-08 18:45:02)
REITstandsforRealEstateInvestmentTrust.REITisatypeofsecuritythatinvestsinrealestate.Theyaretradedin3differentmarketsandregulateddifferentlybySEC(SecurityandExchangeCommission).
PublicREITs:tradedinmajorexchangesandregulatedbySEC.Thedailypricesarepublishedinmajorfinancialpublicationsandwebsites.
Publicnon-listedREITs:nottradedinexchanges,butregulatedbySEC.
PrivateREITs:nottradedinmajorexch...[阅读全文]
(2017-11-05 15:48:16)
401(k),403(b),457(b)etchavebecomeaverywidelyusedsavingandinvestmentvehiclesformostofAmericanswithitstax-qualifiedandcompanymatchingfeatures.Intheseplans,therearewideselectionofmutualfunds,ETFs,andcompanystockstochoose.
Iwouldsuggesttochooseindexmutualfundssincetheriskislowerthanthesectorspecificmutualfundsandalotlowerthananyindividualstocks.Ifyouwanttoownsomeofyourowncompany'sstock,theruleo...[阅读全文]
(2017-09-24 09:43:00)
Whenwearetalkingabout$2Mforretirement,weassumethat$2Misinvestableasset,notincludingyourprimaryresidence.Thereasonbeingisthatweneedtheassettogenerateincomeandyourprimaryresidenceispartofyourasset,butitdoesnotgenerateincome.Theassumptionisthatthe$2Misnotbeingtouched,youwillliveofftheincomegeneratedfromthat$2M.
Ifyouinvestthis$2MinS&P500,thatwillgenerate$200Kincomebasedonhistoricalaverageannua...[阅读全文]
(2017-07-15 06:30:41)
Beingalandlord.Therearemanytradesforwhichyouneedtoknowsomethingaboutthehousestructure(civilengineering),electric(electricalengineering),plumbing(civilandmechanicalengineering),HVAC(mechanicalengineering),etc.Thiswillhelpyoutomaintainyourrentalpropertiesanddealwithcontractorssothatnocontractorscantakeadvantageofyou.Thereareplentygoodandhonorcontractorshttp://bbs.wenxuecity.com/tzlc/1187631.html,but...[阅读全文]
(2017-07-12 21:19:00)
Inagrowtheconomy,wewillexpectvacancyrategoingupsincemorepeopleareopttobuyhousesinsteadofrenting.Wewillexpectthiswillbethetrendinthecitieswithhealthyeconomy.Startingfrom2010,wecanseetherentalvacancygoingup.Thiswillputpressureonrentalmarketsaroundthecountry.Therentincreasewillslowdown.Itisagoodnewsfortherenters,notsomuchtothelandlords.Viceversa,inarecessionaryeconomy,peoplelosingjobsandincomegoingdo...[阅读全文]
(2017-07-12 11:49:17)
Yes,Iwouldhireafee-basedfinancialadvisortoreviewmyinvestmentportfolioandprovidesomesuggestions.Thisway,youareonlypayingone-timefeefortheadvice,notcontinuousmanagementfee.Iwillusethefee-basedadvisorwheneverIneedthehelponmyassetallocationoranyfinancialmatters.
Therearesomeprofessionalswithhighincomes.Theyliterallyhavenotimetomanagetheirownmoney.Theyneedafinancialadvisortohelpthemmanagingtheirmone...[阅读全文]
(2017-07-04 11:29:00)
401(k)isalongterminvestmentforretirement.Thequestionoftransferingmoneytobondshouldbelookedthisway.Itshouldbeanassetallocationquestionbasedonyourage.Asyouareclosertotheretirementage,youshouldhaveallocatedmoreassettobond.TheallocationthatIwilluseis70%equity/30%bondwhenyouareinyour40s,60/40whenin50s,and50/50in60s.Buttheseallocationsarejustageneralguideline,youcanholdmoreequitythanbondifyouhavemoreris...[阅读全文]
(2017-07-04 11:28:03)
Thetarget-datefundsin401(k)aregoodchoisesforfirst-timeinvestorsorforsomeonetoobusytomanagetheirretirementaccounts.Theyhaveabalancedapproachtotheretirementages.Insteadofdoingtheassetallocationyourself,thetarget-datefundswilldothatforyou.
Youjustneedtoselectyourretirementyear.Thefundswillrebalancebetweenequityandbondmarketsbasedonyourretirementyear.Forexample:ifyouareinyour30s,thetarget-datefundw...[阅读全文]
