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For what it’s worth, I retired at 42. With over two decades in financial services, a CFA designation, and a mix of real estate and investment strategies, I reached financial independence without...
For over half my life, I’ve been involved in the real estate industry as both an investor and a landlord. When it comes to home improvement, I’ve learned a great deal about what works and ...
See three dreamy real estate listings of homes in Puerto Rico for a wonderful retirement....
With 2024 almost done, I'd like to share my year in review. For the vast majority of investors, this was a banner year, with the S&P 500 up ~24% and real estate prices in most of the country conti...
As the holiday rush fades, another shortened trading week could still spark outsized moves, with housing data poised to confirm ... Read more...
Welcome to this week’s edition of the Sunday Best! From public housing policies to landlord involvement and nostalgic trading, we ... Read more...
My wife just reached FRA and has applied for Social Security. I reach FRA next November. We still have a mortgage on a 3,100sf, two-story house, which is way more than we need now. We know we need to ...
Spoiler alert: It's the secret weapon of savvy real estate investors. Here's how it works and details about the tools you need to do it....
Now that the Fed has cut rates yet again, it looks like the housing market might start heating up. This means that you may finally get the chance to get a reasonable mortgage rate. Of course, reasonab...
James sits down with someone who’s financially set to retire—mortgage paid off, kids through college, and investments in place—but he’s still grappling with one big question: w...
Are short-term savings using an adjustable rate mortgage worth the risk of rate hikes? In this podcast, we cover how adjustable rate mortgages (ARMs) work, how they differ from fixed-rate mortgages, a...
Bonds are dramatically safer than investing in stocks, real estate, or speculation, but there is still risk when you invest with bonds. The post The 3 Risks of Bond Investing — And How to Beat T...
Benjamin, nearing retirement at 65, faces a familiar dilemma with his taxable account housing expensive mutual funds. Despite their underperformance, converting to low-cost index funds entails a signi...
Should you sell long-term stocks for a real estate investment? I walk through one listener’s question and explain what you need to consider before making such a decision. Aside from the obvious&...
Find out how the Federal Reserve’s interest rate cut could affect your retirement savings, investments, and mortgage payments....
With over 24 years of experience as a real estate investor, I’ve seen countless homes struggle to sell. The reason? First impressions matter more than you might think. When potential buyers walk...
With record-high home equity and declining mortgage rates, the temptation to do a cash-out refinance is growing. I’ve certainly considered it myself. However, after careful reflection, my conclu...
After an earlier post about advice to give to kids about retirement, one of the most common answers was to be debt-free at retirement, including a mortgage. I got to thinking about that, and what that...
Here's an example of what life insurance coverage would look like, with actual dollar amounts, for a hypothetical family with a mortgage and student debt....
Oh no, I’m 27 and being sued! In 2007, I made a bold move. After years of following a well-calculated strategy in real estate, I decided to take a leap outside my comfort zone. I had already bui...
Answering reader questions about whether you should pay off your mortgage, if nursing home insurance is a good idea, and when to let your disability policy lapse. Plus, we talk about the state of gove...
If you're a real estate investor with children, you may face two significant challenges. The first challenge is holding onto your rental property for as long as possible. You understand that the longe...
Have you ever wondered why an old, worn-out car does not have the same value as a brand-new one? The same principle also applies in real estate, called rental property depreciation. As a real estate i...
As a Chartered Financial Analyst with over 20 years of experience in real estate investing and financial services, I’ve seen firsthand the financial advantages of owning a home versus renting. I...
One in four 20-somethings in the Boston metropolitan area said in a recent survey that they are planning to quit urban life. Their biggest reason: high housing costs. South Carolina, on the other hand...
During a recent liquidity crunch, I kept thinking how nice it would be to have more cash sitting in my bank account. Once I received a $106,000 real estate capital distribution, I felt a tremendous re...
These affordable warm-weather cities for snowbirds offer plenty of housing options, abundant activities for retirees and access to good health care....
As we approach the second half of 2024, the commercial real estate (CRE) landscape is poised for strategic investment opportunities. ... Read more...
My husband and I are currently 5 years out from our retirement date and are renting our home. We considered buying around 2019 but didn't and now the housing market is dreadful, especially where we li...
A real life story of a wealthy man who had extensive real estate investments but could not manage them as he aged with cognitive decline....
Are you tired of the same old investments in stocks and real estate? The TV and movie industry is calling ... Read more...
Last month the median U.S. home sale price hit a record high of $387,600, according to Redfin. This is at a time when 30 year mortgage rates are hovering around 7% (down from their highs of 7.7% in Oc...
I plan to retire in a few months and need advice on my mortgage and Helocs. My mortgage will be paid off (balance is $53,000) in ten years(interest rate is variable at 6.62 and will likely change in 1...
Episode 448: The Fed has cut their balance sheet reduction by more than 50% while keeping mortgage rates high. Sign up for free ALERTs & Market Commentary at: https://www.investablewealth.com/subs...
The probate process can be a long and expensive journey for heirs. Real estate, cars and even art often trigger probate, but other assets get a free pass....
The Great Recession is nearly gone from our collective memory. But for the people who lost a house to foreclosure in the subprime mortgage scam, the recession is still affecting their finances. The ho...
Today, we answer several of your mortgage questions, including if you should put all the money you can toward your down payment or use some of it to pay off student loans and what kind of mortgage you...
I live in an old neighborhood in which the existing housing stock is being replaced with new builds. At age 75 and hope to be here for another 10 years if I’m lucky. I’m wondering whether ...
I'm really enjoying this group and learning a lot, but I have a few basic questions. I'm a 60 year old male hoping to retire before 70. I have $500,000 in my 401k, and 17 years left on my mortgage (Th...
By Dr. Dan Fosselman, Guest Writer There are multiple rules of thumb in personal finance. Set aside 15%-25% for savings, don’t spend more than 30% on housing, tithe 10%. John Maxwell, an author ...
Forbes compared more than 800 locales in America on everything from housing costs and taxes to healthcare, air quality, crime and climate change and natural hazard risk. These are the top 25 cities fo...
Occasionally, the term “infinite return on investment” is mentioned in real estate investing. This strategy helps real estate and business ... Read more...
Well folks, as anticipated, bidding wars are back with a vengeance, at least here in San Francisco. If I were a real estate agent, I would never encourage my clients to engage in a bidding war. Winnin...
With the high cost of housing in much of the United States (as well as other countries), many people are looking for ways to accommodate more family members in their existing properties. Whether your ...
In today's episode, we discuss the landmark $418 million settlement involving the National Association of Realtors (NAR) and its potential implications for the real estate industry. As retirees and ot...
Burnout is a constant threat in self-employment. To protect against it, you must turn your income into wealth by investing in the markets, business or real estate....
These mountain towns feature majestic peaks and reasonable housing costs....
Real estate in either North or South California is insanely higher than most of the other areas in US (leave NY City or a few major cities). Usually, retiring implies downsizing, decluttering, letting...
A lot can go wrong (including inadvertent law-breaking) if you choose to go the easy route rather than using a trust to transfer real estate to your child....
If you've been feeling down despite the apparent strength of the economy, I can relate. Despite stocks and real estate reaching near all-time highs, there seems to be a growing silent recession among ...