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 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]
(2017-07-04 11:27:12)
Duringyourworkingyears,youareturningyourincometoasset.Duringyourretirementyears,youwillusetheassettogeneratetheincome.
Ifyouaremaking100kannually,generallyspeaking,youwillneed70%to80%ofyourcurrentincomeduringyourretirementyears.Basedon75%,youneed75kretirementincomeannuallytomaintainyourlifestyle.Toproduce75kretirementincome,youwillneed$1.875masset,notincludingyourprimaryresidence.Thisisbasedon4...[阅读全文]
(2017-07-04 11:19:34)
YouhavetohaveanearnedincomebeforeyoucancontributetoanIRA.Nonearnedtaxableincomecannotbeusedforthis,likerentalincome,interestordividend,etc.
RothIRA:
Contribution:aftertaxmoney. Contributionlimit:$6,000($7,000ifyou'reage50orolder)in2021 Withdrawal:aftertheageof59.5,nopenalty.NotaxifyoufollowtherulesandnowithdrawallimitiftheRothIRAaccounthasbeenopenforatleast5years. TheIRSlinkfor...[阅读全文]
Contribution:aftertaxmoney. Contributionlimit:$6,000($7,000ifyou'reage50orolder)in2021 Withdrawal:aftertheageof59.5,nopenalty.NotaxifyoufollowtherulesandnowithdrawallimitiftheRothIRAaccounthasbeenopenforatleast5years. TheIRSlinkfor...[阅读全文]
(2017-07-04 11:16:46)
Ialwayskeepmyrentalpropertiesinaverygoodshapeandtreatthepropertieslikemyownresidence.Iusethecreditscoresandworkinghistorytodeterminewhetherornottotaketherenters.Ialwaysbelievethattherenterswilltreatyourpropertiesbetterifyoukeepupthemaintenanceonyourproperties,andtreatyourtenantswithrespect.
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(2017-07-04 11:16:10)
FederalReserveOpenMarketCommitteeofFederalReserveBankraisesandcutstheFederalFundrateswhichbankschargeeachotherforborrowingmoney.
TheinterestrateforsavingsaccountsisbasedbyFederalFundratewhichisashort-termrate.AsofMarch1st,2021,FedFundrateisat0.25%,Yoursavingsaccountinterestratedefinitelywillbelowerthan0.25%
ThemortgageratesarebasedonUStreasury10yearsbondratewhichisalong-termrate.AsofNovenber...[阅读全文]
(2017-07-04 11:13:47)
Ifyouhavesteadyrentalincomegainyearoveryearfromyourrentalproperties,yourmightwanttothinkaboutreducingtherentalincomegain.
Youcanborrowtheequityfromtherentalstobuyanotherrentalpropertyortoupgradeyourprimaryresidence,ortopaydownthemortgageonyourprimaryresidence.
Thisway,yourrentalgainwillbegone,sodoesthetax.Inthemeantime,youareexpandingyourrentalbusinessbyacquiringmorepropertiesoryouarecumulat...[阅读全文]
(2017-07-04 11:01:31)
Ifyouarelookingforastockpriceforaparticulardate,internetwillbeaplaceoryourlocalmainlibruary.GettheaccessofhistoricalcopiesofWallStreetJournalthroughthelibruarydatabase,orsomeotherpublication,likeInverstor'sBusinessDaily,ormorelistedbelow.
DailyStockPriceRecordpublishedbyStandard&Poor'sisavailableinboundvolumesatthemainLibrary.Itcontainsdailypriceinformation:
NewYorkStockExchange...[阅读全文]
NewYorkStockExchange...[阅读全文]
(2017-07-04 10:59:08)
Itisveryimportantforanyinvestorstoconsiderassetallocation.Fixedincomeisamajorpartofinvestmentassetallocationastheinvestorsclosetotheretirementageorintheretirement.Itiseasytosaythatyoucanhandlethestockmarketriskwhenthemarketisatornearall-timehigh.During2008and2009,youwouldwishyouhavemorefixedincomeinvestments.Let'slookatanexample.
Ahusbandandawifewere60yearsoldin2007with$2Minvestableasset.
...[阅读全文]
(2017-07-04 10:58:46)
First,thebasementspaceisnotcountedasthelivingspaceinyourhomeappraisal.Ifyouaddsomebedroomsandbathrooms,itwilladdsomevaluetoyourhouse.Sinceitisnotalivingspace,futurebuyerswillnotgiveyoumuchvalueasyournormallivingspace,itdoesnotmatterhowniceyourbasementis.
Addingabedroomandabathroominthebasementdoaddalotofutilityvaluetothehomeowner.Personally,Idon'tthinkthatitisworthofinvestinginthebasementsp...[阅读全文]
