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
(2017-07-04 10:55:07)
Wheneveryouswitchajoborretirefromacompany,youshouldalwaysrolloveryour401(k)or403(b)fromyourpreviouscompanytoanIRAaccountcalledRolloverIRAwithFidelity,CharlesSchwaboranyotherbrokeragecompanies.TherearenoanytaxconsequencieswhenmovingyourmoneyovertoaRolloverIRAaccount.Youshouldnotleaveitwiththeirpreviouscompanyorrollovertoyourcurrentcompany's401(k)or403(b)plan.
Somecompaniesevenwillletyoutorol...[阅读全文]
(2017-07-04 10:47:16)
Ihavebeenreadingthepostsin投资理财and大千股坛.Therearealotofpoststhatareveryinterestinginbothforums,butIlikethepostsin投资理财better.
Myimpressionaboutthepostsin大千股坛isthatmostpostsaretalkingaboutveryshort-terminvestments,quiteofthemaredaytradingorshorttermtrading,whichgenerallyIwouldlabeltheactivityas炒股.Ithasbeenproventhat99%day-traderslosemoneyandwilllastabout2to3years.Sothereisnoassetal...[阅读全文]
(2017-07-04 10:29:12)
Mostofushaveverygoodjobs.OverallAsianisthehighestincomegroupamongWhite,BlackandHispanic.AmongtheAsians,wearethesecondhighestgroupwhichmeansthatwearethesecondhighestincomegroupinthenation.Thus,weshouldlivelikethesecondhighestincomegroup,butwedon't.Weliveveryfrugalandbehavelikepoorpeople.Idon'tmeanallChinese,butquitefewofus.
Welikefood.Wherethereisfood,thereareChinese.Ourclothessmellbecau...[阅读全文]
(2017-07-04 10:27:52)
Goldisnotsuitableforourretirementinvestmentgoal.Goldisapartofanassetclasscalled'PreciousMetal',butitisnotanincomegeneratingasset.Investingingoldisaspeculativeplaytowaitforitsappreciation,notlikeinvestmentinrealestate,bondordividendpayingstockwhichwillproduceincomeforyourretirementneeds.
Ifyouareahighnetworthinvestor,Iwouldthinkthatyouwillneedtoinvestingold,justasanassetclassinyourwholep...[阅读全文]
(2017-07-04 10:26:52)
ThisismypostinaTrumptaxcutdiscussion.
TherearealotcountrieswhichhavehighDebt/GDPratio,ChinaandJapanforexample.ButChinaGDPisgrowingat6to7%pacewhichisalothigherthanUS.USGDPhasbeengrowingatrateof1.5to2%forthepast9years.AslongasyouhaveadecentGDP,youshouldbeabletoserviceyournationaldebt.That'swhyChinacanhandleahigherdebtratiothanUS.Wecanhandleourratioof100%,thatisnoquestionaboutit.Butwecannothan...[阅读全文]
(2017-07-04 10:24:56)
2008wasaveryuniquerecessionandseverityinrecentmemory.Ihavemadeastatementinoneofmyposts,Ihavesaidthatwewillnotseeanother2008inourlifetime,orIshouldsaythatthechanceofanother2008typeofrecessionisalmostzero.Theonlyrecessionmoreseverethan2008was1929calledGreatDepression.
WhyIamsayingthatwewillnotseeanother2008recessioninourlifetime?2008isaperfectstorm,everybadthingshappenedatthesametime.Putitsimply,...[阅读全文]
(2017-07-04 10:21:05)
Isitthetimetoinvestinarentalproperty?Beforeansweringthequestion,youneedtoaskyourselftwoquestions.
1.Willtherentalpropertyhaveapositivecashfloworbreakeven?
2.Doesyournewrentalpropertyinanareahaveanappreciationpotential?
IfyouhaveYESforbothquestions,itisabuy!Butactually,theanswerisnotthatsimple.Youneedtolookatyourareaofpopulationgrowth,jobmarket,school,etc.Iwouldconsiderthefirstbuyingquesti...[阅读全文]
(2017-07-04 10:20:36)
Investmentisaverypersonalthingandhasmuchtodowithyourknowledge,experienceandrisktolerance.
Formostofinvestors,astockmarketindexfundlikeSPY,VOOoratotalstockmarketindexfundlikeVTIissuitableforthemsinceitishighlydiversifiedwithlowrisk.Thatiswhyyouwillfindtheminmostof401(k)plans.
ThesectorfundsinvestinaparticularbusinesslikeXLF,XLU,etc.andtheyarenotasdiversifiedasindexfundsandtheriskprofileishigh...[阅读全文]
(2017-07-04 10:20:07)
WarrenBuffettinvestmentrecord40yearsfrom19yearsoldto59yearsold.
1949:$9,800
1956:$140,000
1961:$1M
1969:$25M
1979:$140M
1989:$3.8B [阅读全文]
1949:$9,800
1956:$140,000
1961:$1M
1969:$25M
1979:$140M
1989:$3.8B [阅读全文]
(2017-07-04 10:18:49)
Treesusuallydon'tdamagethefoundationofahouseunlesstheyareveryclosetothehouse,like2to10feetaway.Buttrees'rootsareverybadtoyoursewerpipes.Ifyouhavetreesclosetoyoursewagepipes,youneedtohaveplumbertocleanthelineatleasteverytwoyears.
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