What to invest in August 2020?
Stock investment in 2020. In this article, I will explain why I start to invest more and more in stock market despite the valuation is high.
Retirements.com Blog
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Gained $42000 from Gold and Silver
[Please Like my Facebook page to get notification of future posts] I have been sitting on the side line for my equity investment for quite some time. I missed a lot of opportunities in the stock market by being very conservative. Instead, I purchased a rental property in 2019. The stock market has been very volatile in Q1 2020. As...
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From Debt Free to Owing More than $480K
First of all, I apologize that it is a little bit of click bait. As a seeker of FIRE (Financial Independence and Retire Early), I am always cautious about my personal finances. No, I didn’t lose my shirt. It is actually quite the opposite. Anyways, it has been more than a year since I posted my last article. I thought...
How to get an excellent credit score?
Credit score is a number provided to a person by the credit bureaus based on multiple factors. In the US, FICO credit score is one of the most well known credit scores. For the general public, FICO credit score has a range between 300 and 850. The higher the number, the less likely the person will default or delinquent on...
Irrational exuberance continues in 2019
Dear readers, I haven’t been posting anything for almost 2 years. In fact, I took the site down and focused more on my family and finances. During this time, I have accomplished some of my financial goals and I hope to share with you in this blog in the future. Back in June 2017, I wrote the article ‘How to...
How to invest in 2017?
Someone suggested that we are likely in a triple bubble (stock, bond and real estate). It is high probable that a major correction is going to happen in the near future. Protecting retirement savings should be the highest priority in this market condition. In this article, I am going to go over how I invest in year 2017. Stock Market...
You should start saving for your retirement when you are young
A lot of people spend their 20s spending money as they get it, for necessities like food and rent or for luxury items that they don’t really need. In their 30s, they may have moved up to home ownership, but they’re still spending all their money on their mortgages, their children and travels. By the time they’re in their 40s,...
Best financial advice from my dad
Today is father’s day and I’d like to share some of the best financial advice I received from my dad. These advice struck me like lightnings when I first heard from him and until today, these are still the guiding principals for my personal finances. I am very glad that I listened to him decades ago. Do you really need...
Million Dollar Retirement
One of the questions people often ask is that whether they can retire on a million dollars. In this article, we are going to discussion how much income you can expect in a million dollar retirement. First of all, congratulations to you if you are one of those fortunate ones who amassed a million dollars in your nest egg. It...
12 Common Sources For Retirement Income
In my previous articles, we discussed about what Financial Independence is and why it is important to actively involve in retirement planning. Let’s review the 12 common sources for retirement income so that you can better prepare for funding your retirement. Social Security This is one of the most obvious one on the list. You work hard during your career...
How to protect your assets from market crashes
In my previous article, I showed that average annual return of S&P 500 index was about 5.3% in the last 20 years. However, the stock market did not always produce positive returns. Every time the stock market crashes, there are those who lose everything. And this can make people hesitant to invest at all. Unfortunately, investing is the only way that most...
Local travel: Cherry Picking in Brentwood, CA
Enjoying life can be really simple. A spontaneous visit to nearby places may be all you need. We don’t need to wait for retirement to have fun. Local Travel Spring is the best time to visit local farms in San Francisco Bay Area. We went to pick fresh Cherry in Brentwood on Sunday. We didn’t plan this trip ahead of...
What is Financial Independence?
Financial independence, defined as simply as possible, might be described as: Paying your bills and having a few dollars left over. Maybe it’s a little more complicated than that, maybe you need more than “a few dollars” to really claim financial independence. But that definition expresses the basic principle of it rather well. If you have a million dollars in...
