Month: November 2016

You May Be Among The 1%

Don’t think so? You may be closer than you think. Read on.   I grew up hating the rich because, in my idealistic younger days, they represented the anti-thesis of equal opportunity and egalitarianism.  I heard stories from my parents about people who used their government connections to score sweetheart business deals, dodged their taxes, and were slave-drivers […]

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Affordable & Better Healthcare: It is Visionary

‘Tis the season of health in U.S. and the mood is not healthy.  Open enrollment periods in ACA (‘Obamacare’), fears about repeal of Obamacare by the new U.S. administration, and consequently, media and personal finance blogs worrying about impact of impending changes on the cost of health insurance and even the viability of early retirement.  In addition, […]

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Think, Act and Profit Like a Business

Whether you invest in the stock market via index funds or individual companies for your retirement, the success of your investments depends on the profits of publicly-traded companies.  As Benjamin Graham said, the stock market is a weighing machine in the long term and only a voting machine in the short term.   What it […]

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Financial Independence is Much Harder as a Couple

Love ain't FIRE

Love ain’t FIRE

It’s true.  Math and Science don’t lie!  I will prove it in this article. 

Getting to financial independence or retired early (FIRE) stage is not easy – it requires of years of persistent effort, discipline and an ability to think for yourself and often against the ‘grain’ of modern lifestyle and social norms.   Maybe one in a hundred people will have the wherewithal to reach FIRE.   So, the probability of getting to FIRE is say about 1%, whether you are a man or a woman.

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M.O.N.E.Y. for Nothing

Recovered from election fever yet? As I said before, we will be persistent and will progress forward no matter who gets elected. Can we get back to business and personal finance?  Good. Everybody wants money.  Okay, maybe not these disciplined Buddhist monks going to their prayer hall.    But even the slippers they wear cost […]

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It’s Not (Always) About The Number

How mainstream finance sees you

How mainstream finance sees you

The problem with traditional retirement planning and even personal finance oriented websites (including this one) is that they all focus a lot on the number, that is, our retirement stash that we aspire to get to.  For those having a set target, this laser-like focus on ‘hitting’ that number can turn into an obsession.  For those with say, a $1 million target, reaching a precise figure of say, $933,240, may still feel like they fell short.  That is far from the truth.  The number doesn’t define who you are or isn’t even a gauge of what you have accomplished in life.

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How I Screwed Up My Early Retirement

Don't miss it!

  Don’t miss it!

Opportunities in life are like a train in an impoverished country.  You better get on it whenever you see one going in the direction you want. Otherwise, you don’t know when the next one will come!

This post is a confession of my screw up where I passed on a rare chance to retire early….real early.  Read this tale and avoid the mistake I made, so you can catch the express train to early retirement.  Otherwise, you never know if it will stop by your station again. (more…)

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