investing

Dividend Stock Portfolio Midyear Checkup

07.11.2014
Dividend Stock Portfolio Midyear Checkup income retirement

Sadly, I have been neglecting our dividend portfolio this year. We have been so busy with our rentals that I haven’t paid attention to our other “passive income” streams. Fortunately, the sales of our rentals are now completed so I can give our dividend portfolio a thorough midyear checkup. I have got to say the dividend portfolio is my favorite passive income stream at the moment. It doesn’t require a lot of maintenance and I know the dividends will keep rolling in. These companies are pretty solid and even if the price drops a bit, I’m pretty sure they will […]

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Should you invest in your 401k if you plan to retire early?

06.20.2014
Should you invest in your 401k if you plan to retire early?

Some readers brought up an interesting point in response to the 3 Ways To Define Financial Independence. Should you count your 401k and IRA when you calculate your Financial Freedom Ratio*? You can’t access these tax advantaged retirement funds without penalty (10%) until age 59-1/2. If you plan to retire at 40 or 50, wouldn’t it be better to invest in a taxable account so your saving is easier to access? *Financial Freedom Ratio (FFR) = investable asset/annual expense. If your FFR is over 25, then you’re close to financial independence. First of all, I count our 401k and IRA in […]

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Don’t Stop Adding To Your Investments

05.14.2014
Don't Stop Adding To Your Investments

Last time, I shared how our 4 plex did in 2013. It’s not generating positive cash flow, but it’s getting close. Unfortunately it’s not the right property for us and we decided to sell and take a little profit. We’ll probably profit about $50,000 and many comments said that it’s probably better to keep the rental. Fifty thousand dollars is nothing to sneeze at, but in the grand scheme of thing, it’s not that much money. That’s only about a year in expenses. The important thing is to reinvest that money and grow it over the next 20 years. That’s […]

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5 Ways Regular People Can Invest In Real Estate

03.21.2014
5 Ways Regular People Can Invest In Real Estate

One of my brothers, Chris, is in town for a visit and we were talking about housing during dinner. He is saving up some cash because he is planning to buy a house in a year or two. He said a house is a good investment, but it’s just too expensive in the Bay Area. Currently he is renting a room in a friend’s home and he is thinking about moving to a more affordable location like Austin, TX. Personally, I don’t think a primary residence is really a good investment. If you’re single, it’s probably better to rent and […]

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