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TYPES OF SAVING AND INVESTMENT VEHICLESSEE MORE ON MOOLANOMY.COM WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. BIG BATH ACCOUNTING FRAUD One of the hardest accounting frauds to spot is big bath accounting. When a company is doing really bad and has no chance of meeting earning expectations, unscrupulous management would begin writing-off every expense and asset they could imagine. As a result, future expenses are reduced significantly and naturally earnings increase. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
SHOULD YOU FINANCE YOUR RENTAL PROPERTY PURCHASE OR PAY CASH? Line 5: Your net annual rental income is now $1,284 per month x 12 months, or $15,408 for the year. Line 6: Your net is lower, but remember you also invested less. Now, it is $15,408 ÷ $150,000 = 10.3% — percentage-wise, you are making more! Line 8: You also get more on the “appreciation” side. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. FRUGAL OR CHEAP? HERE'S A TEST Pinyo Bhulipongsanon is the owner of Moolanomy Personal Finance and a Realtor® licensed in Virginia and Maryland.Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, financial literacy author, andRealtor®.
TYPES OF SAVING AND INVESTMENT VEHICLESSEE MORE ON MOOLANOMY.COM WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. BIG BATH ACCOUNTING FRAUD One of the hardest accounting frauds to spot is big bath accounting. When a company is doing really bad and has no chance of meeting earning expectations, unscrupulous management would begin writing-off every expense and asset they could imagine. As a result, future expenses are reduced significantly and naturally earnings increase. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
SHOULD YOU FINANCE YOUR RENTAL PROPERTY PURCHASE OR PAY CASH? Line 5: Your net annual rental income is now $1,284 per month x 12 months, or $15,408 for the year. Line 6: Your net is lower, but remember you also invested less. Now, it is $15,408 ÷ $150,000 = 10.3% — percentage-wise, you are making more! Line 8: You also get more on the “appreciation” side. FRUGAL OR CHEAP? HERE'S A TEST Pinyo Bhulipongsanon is the owner of Moolanomy Personal Finance and a Realtor® licensed in Virginia and Maryland.Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, financial literacy author, andRealtor®.
WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORP Form 2553, Election by a Small Business Corporation registers your business as an S-Corp for tax purposes in the eyes of the IRS. 4. Register for Business Licenses. Depending on the type of business you are running, you may require to register for a 40+ EXTRA INCOME IDEAS AND WAYS TO MAKE MONEY 21 Passive Income Ideas. Passive income is an income source that continues to generate income once you set it up. Depending on the idea, it needs some effort (or a lot of effort) upfront and may or may not need monetary investment, but the crucial distinction is its ability to generate income with very little of your time to sustainit.
TREASURY BONDS VS CORPORATE BONDS Bonds are rated by Moody’s and Standard and Poor’s. Bonds of the highest quality will receive an AAA rating, whereas bonds of lower quality will receive a CCC or D rating. Corporate bonds can be purchased through a stockbroker or simply by visiting the company’s website. In my opinion, bonds are great for older investors. THE FIRST MILLION IS THE HARDEST The first million is physically, psychologically, and mathematically challenging. It is hard for people to break through this barrier. It is also mathematically challenging. Yet, people do it all the time! According to research conducted by Thomas J Stanley, the author of The Millionaire Next Door, 80% of the millionaires are first-generation DO YOU REALLY NEED $150,000 A YEAR TO LIVE COMFORTABLY? According to a USA Today article, it takes about $150,000 a year to cover the basics, set aside money in savings, and enjoy a few extras. If you make less than $150,000 a year, the implication is that you are going to be just scraping by. The results come from a WSL/Strategic Retail survey that looked at shopping habits in America and found 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a OPPORTUNITY COST OF A WHOLE LIFE INSURANCE COVERAGE Opportunity cost is the cost (sacrifice) incurred by choosing one option over an alternative one that may be equally desired. Thus, opportunity cost is the cost of pursuing one choice instead of another. Every action has an opportunity cost. For example, someone who invests $10,000 in a stock denies oneself the interest that onecan earn by
CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 5 Ways to Protect Your Assets. 1. Move Your Money. No, I’m not saying that you should transfer your assets to someone else. That’s a big no-no. Transferring assets to someone else, just ahead of a bankruptcy, when you know you can’t pay all your debts, is sometimes known as a fraudulent conveyance. It sounds terrible — and it is. TIME VALUE OF MONEY AND OPPORTUNITY COST What is the Time Value of Money? The time value of money (TVM) concept is used to compare two or more financial outcomes. The basic idea is that a dollar today is worth more than the same dollar in the future.. A dollar today is worth more than the same dollar at some point in thefuture
THE PROS AND CONS OF A COLLEGE DEGREE The last few generations of Americans have been indoctrinated with the idea that a college degree is an absolute must-have in today's economy. While this is WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORP Advantages of an S Corporation. Self-employment Tax Savings – You can pay yourself a reasonable salary which is subject to federal and state income taxes social security, and medicare.For any excess profit, you can pay yourself as profit distributions without paying social security and medicare taxes (aka, self-employment taxes). TYPES OF SAVING AND INVESTMENT VEHICLESSEE MORE ON MOOLANOMY.COM ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME A screenshot is taken from DQYDJ Net Worth Calculator Page taken July 2019 Net Worth of the Top 1%. According to DQYDJ, here is how you stack up against the top one percent by household net worth:. Top 1.0% = $10,374,030; and top top 0.1% is 43 time WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. 10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? The Pros and Cons of Investing with Home Equity. This is a risky situation, but sometimes risk results in a very high return. Let’s look at the potential upsides and downsides of tapping your home equity for investment purposes. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. SHOULD YOU FINANCE YOUR RENTAL PROPERTY PURCHASE OR PAY CASH? Line 2: You only paid 50% or $150,000 and the bank put up the other $150,000. Line 3: Since you borrowed $150,000, you have to pay a $716 monthly mortgage payment. You can use this mortgage calculator to put in your own numbers. Also, note that your mortgage payment for the first year consists of $2,642 principal payment and $5,952 interestpayment.
TIME VALUE OF MONEY AND OPPORTUNITY COST What is the Time Value of Money? The time value of money (TVM) concept is used to compare two or more financial outcomes. The basic idea is that a dollar today is worth more than the same dollar in the future.. A dollar today is worth more than the same dollar at some point in thefuture
THE PROS AND CONS OF A COLLEGE DEGREE The last few generations of Americans have been indoctrinated with the idea that a college degree is an absolute must-have in today's economy. While this is WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORP Advantages of an S Corporation. Self-employment Tax Savings – You can pay yourself a reasonable salary which is subject to federal and state income taxes social security, and medicare.For any excess profit, you can pay yourself as profit distributions without paying social security and medicare taxes (aka, self-employment taxes). TYPES OF SAVING AND INVESTMENT VEHICLESSEE MORE ON MOOLANOMY.COM ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME A screenshot is taken from DQYDJ Net Worth Calculator Page taken July 2019 Net Worth of the Top 1%. According to DQYDJ, here is how you stack up against the top one percent by household net worth:. Top 1.0% = $10,374,030; and top top 0.1% is 43 time WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. 10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? The Pros and Cons of Investing with Home Equity. This is a risky situation, but sometimes risk results in a very high return. Let’s look at the potential upsides and downsides of tapping your home equity for investment purposes. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. SHOULD YOU FINANCE YOUR RENTAL PROPERTY PURCHASE OR PAY CASH? Line 2: You only paid 50% or $150,000 and the bank put up the other $150,000. Line 3: Since you borrowed $150,000, you have to pay a $716 monthly mortgage payment. You can use this mortgage calculator to put in your own numbers. Also, note that your mortgage payment for the first year consists of $2,642 principal payment and $5,952 interestpayment.
FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Debt is a problem that we all face at one time or another to some degree. Sometimes, it is just bad luck, but most of the time, it is good people that made terrible choices. THE PROS AND CONS OF A COLLEGE DEGREE Occasionally there are good paying jobs that can be landed without a college degree. It’s usually the case that when two individuals occupy the same position, one with a degree and one without, the one with the degree usually earns more money. TYPES OF SAVING AND INVESTMENT VEHICLES These are very low-risk investment vehicles that can be easily liquidated into cash, with a mandatory holding period of 12 months or less. They typically provide a very low return on investment, and little or no inflation protection.In fact, with the average inflation rate of about 2.5%, these assets are yielding negative real returns, i.e., you have less purchasing power after factoring in WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Pinyo Bhulipongsanon is the owner of Moolanomy Personal Finance and a Realtor® licensed in Virginia and Maryland.Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, financial literacy author, andRealtor®.
WHAT PERCENTAGE OF PORTFOLIO SHOULD BE IN INTERNATIONAL STOCKS Our expert, Larry Swedroe, is even more aggressive with his international stocks recommendation: I believe investors should consider having 50 percent of their equities in international stocks and have at least 30 percent.. My personal opinion is similar to what Larry suggested; we should invest about half in US stocks and half in non-US stocks, or at least 30% of our portfolio should be in 5 REASONS WHY TEENS SHOULD WORK (EVEN IF IT RESULTS IN Why life skills are more important than grades Grades serve two practical functions in life.. Good grades open the opportunity to go to another school or to continue on to higher levels of education.; Good grades may help in securing your first job.. Once you have worked that first job your future employers are going to care more about your work performance than your school grades. TREASURY BONDS VS CORPORATE BONDS Treasury Bonds. First up are Treasury bonds. Treasury bonds were designed for serious investors. They are long term government securities that have a maturity date of at least 10 years. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME When you purchase a new construction home, there are several hidden costs that you might not think about. The normal costs of homeownership like mortgage payments (e.g., principal and interest), property taxes, homeowner’s insurance, and utilities are obvious. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 3. Reduce Your Tax Withholding. Many people like to build up a tax refund. Realize that, while your credit card issuer isn’t going to lay claim to your tax refund, the IRS can seize it for back taxes andstudent loan debt.
FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a DAVE RAMSEY'S EARLY MORTGAGE PAY OFF ADVICE, GOOD IDEA? In his book The Total Money Makeover, Dave Ramsey’s Baby Step #6 advocates paying off your home loan early. I think this is a good advice for his audience, and probably, the majority of people out there. Dave says you should first invest 15% of your income for retirement before you work toward paying off your mortgage. DO YOU REALLY NEED $150,000 A YEAR TO LIVE COMFORTABLY? According to a USA Today article, it takes about $150,000 a year to cover the basics, set aside money in savings, and enjoy a few extras. If you make less than $150,000 a year, the implication is that you are going to be just scraping by. The results come from a WSL/Strategic Retail survey that looked at shopping habits in America and found FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a DAVE RAMSEY'S EARLY MORTGAGE PAY OFF ADVICE, GOOD IDEA? In his book The Total Money Makeover, Dave Ramsey’s Baby Step #6 advocates paying off your home loan early. I think this is a good advice for his audience, and probably, the majority of people out there. Dave says you should first invest 15% of your income for retirement before you work toward paying off your mortgage. DO YOU REALLY NEED $150,000 A YEAR TO LIVE COMFORTABLY? According to a USA Today article, it takes about $150,000 a year to cover the basics, set aside money in savings, and enjoy a few extras. If you make less than $150,000 a year, the implication is that you are going to be just scraping by. The results come from a WSL/Strategic Retail survey that looked at shopping habits in America and found FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. FRUGAL OR CHEAP? HERE'S A TEST Pinyo Bhulipongsanon is the owner of Moolanomy Personal Finance and a Realtor® licensed in Virginia and Maryland.Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, financial literacy author, andRealtor®.
40+ EXTRA INCOME IDEAS AND WAYS TO MAKE MONEY 21 Passive Income Ideas. Passive income is an income source that continues to generate income once you set it up. Depending on the idea, it needs some effort (or a lot of effort) upfront and may or may not need monetary investment, but the crucial distinction is its ability to generate income with very little of your time to sustainit.
5 REASONS WHY TEENS SHOULD WORK (EVEN IF IT RESULTS IN Why life skills are more important than grades Grades serve two practical functions in life.. Good grades open the opportunity to go to another school or to continue on to higher levels of education.; Good grades may help in securing your first job.. Once you have worked that first job your future employers are going to care more about your work performance than your school grades. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME When you purchase a new construction home, there are several hidden costs that you might not think about. The normal costs of homeownership like mortgage payments (e.g., principal and interest), property taxes, homeowner’s insurance, and utilities are obvious. HOW YOUR MORTGAGE ACTS AS A HEDGE AGAINST INFLATION The key to your mortgage providing inflation protection is the fixed mortgage payment. If you bought a home with a 4.5% 30-year fixed-rate mortgage today, your payment is the same for the 360 payments you make over the 30 years. You don’t pay less at the beginning and more toward the end of the mortgage. If your payment is $800 today, it will WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. BIG BATH ACCOUNTING FRAUD One of the hardest accounting frauds to spot is big bath accounting. When a company is doing really bad and has no chance of meeting earning expectations, unscrupulous management would begin writing-off every expense and asset they could imagine. As a result, future expenses are reduced significantly and naturally earnings increase. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 5 Ways to Protect Your Assets. 1. Move Your Money. No, I’m not saying that you should transfer your assets to someone else. That’s a big no-no. Transferring assets to someone else, just ahead of a bankruptcy, when you know you can’t pay all your debts, is sometimes known as a fraudulent conveyance. It sounds terrible — and it is. FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a DAVE RAMSEY'S EARLY MORTGAGE PAY OFF ADVICE, GOOD IDEA? In his book The Total Money Makeover, Dave Ramsey’s Baby Step #6 advocates paying off your home loan early. I think this is a good advice for his audience, and probably, the majority of people out there. Dave says you should first invest 15% of your income for retirement before you work toward paying off your mortgage. DO YOU REALLY NEED $150,000 A YEAR TO LIVE COMFORTABLY? According to a USA Today article, it takes about $150,000 a year to cover the basics, set aside money in savings, and enjoy a few extras. If you make less than $150,000 a year, the implication is that you are going to be just scraping by. The results come from a WSL/Strategic Retail survey that looked at shopping habits in America and found FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a DAVE RAMSEY'S EARLY MORTGAGE PAY OFF ADVICE, GOOD IDEA? In his book The Total Money Makeover, Dave Ramsey’s Baby Step #6 advocates paying off your home loan early. I think this is a good advice for his audience, and probably, the majority of people out there. Dave says you should first invest 15% of your income for retirement before you work toward paying off your mortgage. DO YOU REALLY NEED $150,000 A YEAR TO LIVE COMFORTABLY? According to a USA Today article, it takes about $150,000 a year to cover the basics, set aside money in savings, and enjoy a few extras. If you make less than $150,000 a year, the implication is that you are going to be just scraping by. The results come from a WSL/Strategic Retail survey that looked at shopping habits in America and found FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. FRUGAL OR CHEAP? HERE'S A TEST Pinyo Bhulipongsanon is the owner of Moolanomy Personal Finance and a Realtor® licensed in Virginia and Maryland.Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, financial literacy author, andRealtor®.
40+ EXTRA INCOME IDEAS AND WAYS TO MAKE MONEY 21 Passive Income Ideas. Passive income is an income source that continues to generate income once you set it up. Depending on the idea, it needs some effort (or a lot of effort) upfront and may or may not need monetary investment, but the crucial distinction is its ability to generate income with very little of your time to sustainit.
5 REASONS WHY TEENS SHOULD WORK (EVEN IF IT RESULTS IN Why life skills are more important than grades Grades serve two practical functions in life.. Good grades open the opportunity to go to another school or to continue on to higher levels of education.; Good grades may help in securing your first job.. Once you have worked that first job your future employers are going to care more about your work performance than your school grades. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME When you purchase a new construction home, there are several hidden costs that you might not think about. The normal costs of homeownership like mortgage payments (e.g., principal and interest), property taxes, homeowner’s insurance, and utilities are obvious. HOW YOUR MORTGAGE ACTS AS A HEDGE AGAINST INFLATION The key to your mortgage providing inflation protection is the fixed mortgage payment. If you bought a home with a 4.5% 30-year fixed-rate mortgage today, your payment is the same for the 360 payments you make over the 30 years. You don’t pay less at the beginning and more toward the end of the mortgage. If your payment is $800 today, it will WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. BIG BATH ACCOUNTING FRAUD One of the hardest accounting frauds to spot is big bath accounting. When a company is doing really bad and has no chance of meeting earning expectations, unscrupulous management would begin writing-off every expense and asset they could imagine. As a result, future expenses are reduced significantly and naturally earnings increase. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 5 Ways to Protect Your Assets. 1. Move Your Money. No, I’m not saying that you should transfer your assets to someone else. That’s a big no-no. Transferring assets to someone else, just ahead of a bankruptcy, when you know you can’t pay all your debts, is sometimes known as a fraudulent conveyance. It sounds terrible — and it is. FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in TYPES OF SAVING AND INVESTMENT VEHICLESSEE MORE ON MOOLANOMY.COM SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORP Form 2553, Election by a Small Business Corporation registers your business as an S-Corp for tax purposes in the eyes of the IRS. 4. Register for Business Licenses. Depending on the type of business you are running, you may require to register for a THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. 10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in TYPES OF SAVING AND INVESTMENT VEHICLESSEE MORE ON MOOLANOMY.COM SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORP Form 2553, Election by a Small Business Corporation registers your business as an S-Corp for tax purposes in the eyes of the IRS. 4. Register for Business Licenses. Depending on the type of business you are running, you may require to register for a THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. 10 THINGS TO NEGOTIATE WHEN BUYING A HOUSE When it comes to buying a house, there are many things that you, as a Buyer, can negotiate with the Seller. How much you can negotiate depends mostly on the market condition, other buyers competing for the same property, and the Seller’s willingness to sell the house. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATE Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
WHY INVESTING THROUGH YOUR BANK IS A BAD IDEA Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in TYPES OF SAVING AND INVESTMENT VEHICLES These are very low-risk investment vehicles that can be easily liquidated into cash, with a mandatory holding period of 12 months or less. They typically provide a very low return on investment, and little or no inflation protection.In fact, with the average inflation rate of about 2.5%, these assets are yielding negative real returns, i.e., you have less purchasing power after factoring in THE PROS AND CONS OF A COLLEGE DEGREE The most obvious advantage of a college degree is money. Over their lifetime, a college graduate can expect to earn about 60% more money than those with only a high school degree. While some jobs do not require a college degree to start, such as many law enforcement jobs, often a college degree is necessary to advance within the field. WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. TREASURY BONDS VS CORPORATE BONDS Bonds are rated by Moody’s and Standard and Poor’s. Bonds of the highest quality will receive an AAA rating, whereas bonds of lower quality will receive a CCC or D rating. Corporate bonds can be purchased through a stockbroker or simply by visiting the company’s website. In my opinion, bonds are great for older investors. DAVE RAMSEY'S EARLY MORTGAGE PAY OFF ADVICE, GOOD IDEA? In his book The Total Money Makeover, Dave Ramsey’s Baby Step #6 advocates paying off your home loan early. I think this is a good advice for his audience, and probably, the majority of people out there. Dave says you should first invest 15% of your income for retirement before you work toward paying off your mortgage. BIG BATH ACCOUNTING FRAUD One of the hardest accounting frauds to spot is big bath accounting. When a company is doing really bad and has no chance of meeting earning expectations, unscrupulous management would begin writing-off every expense and asset they could imagine. As a result, future expenses are reduced significantly and naturally earnings increase. 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 5 Ways to Protect Your Assets. 1. Move Your Money. No, I’m not saying that you should transfer your assets to someone else. That’s a big no-no. Transferring assets to someone else, just ahead of a bankruptcy, when you know you can’t pay all your debts, is sometimes known as a fraudulent conveyance. It sounds terrible — and it is. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in 5 REASONS WHY TEENS SHOULD WORK (EVEN IF IT RESULTS INWHY TEENS SHOULDNOT WORK
Why life skills are more important than grades Grades serve two practical functions in life.. Good grades open the opportunity to go to another school or to continue on to higher levels of education.; Good grades may help in securing your first job.. Once you have worked that first job your future employers are going to care more about your work performance than your school grades. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORPSOLE PROPRIETOR SCORP
Form 2553, Election by a Small Business Corporation registers your business as an S-Corp for tax purposes in the eyes of the IRS. 4. Register for Business Licenses. Depending on the type of business you are running, you may require to register for a WHAT'S YOUR FINANCIAL IQ? HERE'S A TESTPRINTABLE FINANCIAL LITERACY TESTFINANCIAL IQ QUIZFINANCIAL KNOWLEDGE QUIZFINANCIAL IQ BOOKSFINANCIAL IQ ROBERT KIYOSAKIFINANCIAL IQ TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATERENTING OUT HOUSERENTING OUT A ROOM Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
WHY INVESTING THROUGH YOUR BANK IS A BAD IDEAINVESTING IN BANK STOCKSINVESTING IN BANK STOCKSALLY BANK INVESTINGUS BANK INVESTING Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
SHOULD YOU FINANCE YOUR RENTAL PROPERTY PURCHASE OR PAY CASH?BANKS THAT FINANCE RENTAL PROPERTYRENTAL PROPERTY FINANCE RATES Line 5: Your net annual rental income is now $1,284 per month x 12 months, or $15,408 for the year. Line 6: Your net is lower, but remember you also invested less. Now, it is $15,408 ÷ $150,000 = 10.3% — percentage-wise, you are making more! Line 8: You also get more on the “appreciation” side. CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 5 Ways to Protect Your Assets. 1. Move Your Money. No, I’m not saying that you should transfer your assets to someone else. That’s a big no-no. Transferring assets to someone else, just ahead of a bankruptcy, when you know you can’t pay all your debts, is sometimes known as a fraudulent conveyance. It sounds terrible — and it is. TIME VALUE OF MONEY AND OPPORTUNITY COST PV = FV ÷ ( (1 + interest rate)^number of periods) In our example, the present value of $1,200 in three years is. PV = $1,200 ÷ 1.061 = $1,131. If your interest rate assumption for the 3 years is accurate, you would be better off waiting for the $1,200 payment in 5 REASONS WHY TEENS SHOULD WORK (EVEN IF IT RESULTS INWHY TEENS SHOULDNOT WORK
Why life skills are more important than grades Grades serve two practical functions in life.. Good grades open the opportunity to go to another school or to continue on to higher levels of education.; Good grades may help in securing your first job.. Once you have worked that first job your future employers are going to care more about your work performance than your school grades. SHOULD YOU USE YOUR HOME EQUITY TO INVEST IN THE STOCK MARKET? There are incredible risks to using home equity as a pool of money to invest in the stock market. First, you are not guaranteed a 10% return. Investments do lose money in the stock market as seen by the recent financial crisis. Sure, your money might return 10%. It alsomight return 200%.
ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME Net Worth (or Assets – Liabilities) = Your Age x Your Pre-Tax Income ÷ 10. If you have twice that, you are indeed on your way to becoming wealthy! Stanley and Danko call them Prodigious Accumulator of Wealth or PAW. I did a quick calculation, and our net worth should be about $900,000 according to the formula. WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORPSOLE PROPRIETOR SCORP
Form 2553, Election by a Small Business Corporation registers your business as an S-Corp for tax purposes in the eyes of the IRS. 4. Register for Business Licenses. Depending on the type of business you are running, you may require to register for a WHAT'S YOUR FINANCIAL IQ? HERE'S A TESTPRINTABLE FINANCIAL LITERACY TESTFINANCIAL IQ QUIZFINANCIAL KNOWLEDGE QUIZFINANCIAL IQ BOOKSFINANCIAL IQ ROBERT KIYOSAKIFINANCIAL IQ TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. HOW TO RENT OUT YOUR HOUSE WHEN YOU MOVE OUT OF STATERENTING OUT HOUSERENTING OUT A ROOM Real estate agencies really would rather sell a home and may not do as good of a job finding you a renter. The property management company’s fee is usually a percentage of the total rent each month (ranging from 8% to 12%) plus all or part of the first month’s rent. 3. Do It Yourself. Lastly, you can try renting the property out onyour own.
WHY INVESTING THROUGH YOUR BANK IS A BAD IDEAINVESTING IN BANK STOCKSINVESTING IN BANK STOCKSALLY BANK INVESTINGUS BANK INVESTING Why Investing Through Your Bank is a Big Mistake. Deposit your money with a bank, but don’t rely on it for retirement investing. 1. Limited Investment Options. The first problem with investing at your bank is you will have limited investment options. The bank will have either their own mutual funds or those of their partners for you topick from.
SHOULD YOU FINANCE YOUR RENTAL PROPERTY PURCHASE OR PAY CASH?BANKS THAT FINANCE RENTAL PROPERTYRENTAL PROPERTY FINANCE RATES Line 5: Your net annual rental income is now $1,284 per month x 12 months, or $15,408 for the year. Line 6: Your net is lower, but remember you also invested less. Now, it is $15,408 ÷ $150,000 = 10.3% — percentage-wise, you are making more! Line 8: You also get more on the “appreciation” side. CAN'T PAY YOUR DEBTS? 5 WAYS TO HIDE FROM YOUR CREDITORS 5 Ways to Protect Your Assets. 1. Move Your Money. No, I’m not saying that you should transfer your assets to someone else. That’s a big no-no. Transferring assets to someone else, just ahead of a bankruptcy, when you know you can’t pay all your debts, is sometimes known as a fraudulent conveyance. It sounds terrible — and it is. FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY Financial Freedom and Personal Finance Success by Moolanomy.com. Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life. GET STARTED HERE. WHAT'S YOUR FINANCIAL IQ? HERE'S A TEST Similar to the Frugal of Cheap Test, I am going to throw another one out there for your enjoyment.I hope that you’ll like this Financial IQ Test as much as the last one and find it somewhat educational as well. Please note that I’ve included a link or two for some questions. These links will take you to related resources on and off this site that I’ve found useful. WHY YOU SHOULD CONVERT YOUR BUSINESS TO AN S-CORP Form 2553, Election by a Small Business Corporation registers your business as an S-Corp for tax purposes in the eyes of the IRS. 4. Register for Business Licenses. Depending on the type of business you are running, you may require to register for a TYPES OF SAVING AND INVESTMENT VEHICLES These are very low-risk investment vehicles that can be easily liquidated into cash, with a mandatory holding period of 12 months or less. They typically provide a very low return on investment, and little or no inflation protection.In fact, with the average inflation rate of about 2.5%, these assets are yielding negative real returns, i.e., you have less purchasing power after factoring in ARE YOU WEALTHY? U.S. NET WORTH BY AGE AND INCOME A screenshot is taken from DQYDJ Net Worth Calculator Page taken July 2019 Net Worth of the Top 1%. According to DQYDJ, here is how you stack up against the top one percent by household net worth:. Top 1.0% = $10,374,030; and top top 0.1% is 43 time 10 EXTRA COSTS WHEN YOU BUY A NEW CONSTRUCTION HOME 1. Costs of Moving. Of course, when you are ready to move your stuff in, you have to pay for it. Some of the expenses that come with moving your things include: Cost of packing materials (boxes, tape, etc.) Cost of a truck, whether you hire movers, use a COSTCO MEMBERSHIP DISCOUNT AND DEALS Costco Membership Discount. Costco rarely offers a discount for becoming a member, but it does happen occasionally. Your best bet is to head over Groupon or LivingSocial to see if there is an active promotion. We regularly check and update our list below (updated8-`8-2020)
SHOULD YOU INVEST IN TARGET DATE FUNDS? PROS AND CONS What are Target Date Funds? A Target Date Fund, or Target Retirement Fund, is a mutual fund designed with a specific retirement year in mind. For example, if you are 20 years from retirement, and this is 2019, you’d pick a fund with the target year of 2019 + 20 = 2039. IS 15-YEAR MORTGAGE BETTER THAN A 30-YEAR MORTGAGE? A 30-year fixed-rate mortgage is the most popular option for home purchases. However, you probably have seen some advertisements that encourage you to refinance your 30-year mortgage WHAT INCOME DO YOU NEED TO REPORT TO THE IRS? The $400 Myth. Some claim that if you make less than $400 on your side project, you don’t have to report the income. While this is a nice thought, it isn’t precisely accurate.Skip to content
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FINANCIAL FREEDOM AND PERSONAL FINANCE SUCCESS BY MOOLANOMY.COM Moolanomy Personal Finance Blog is home to the 12 Steps Guide to Financial Freedom and Personal Finance Success. We discuss financial concepts in an easy to understand language to help you improve your finances and better your life.GET STARTED HERE
COSTCO MEMBERSHIP DISCOUNT AND DEALS August 18, 2020August 18, 2020 by Pinyo Bhulipongsanon Are you looking for a way to get into Costco for less? Our family has been Executive Costco member for over ten years, so we know a thing or two about Costco. If you are not sure if the $60 or $120 membership fee is worth it (psst…it is!), we have a couple of methods … Readmore
Categories Smart Spending35 Comments
HOW TO GET RID OF DEBT FAST July 14, 2020July 14, 2020 by Pinyo Bhulipongsanon Debt is a problem that we all face at one time or another to some degree. Sometimes, it is just bad luck, but most of the time, it is good people that made terrible choices. Regardless of what got you in debt in the first place, there is always a way to get out of … Readmore
Categories Debt Reduction4 Comments
TREASURY BONDS VS CORPORATE BONDS July 10, 2020July 10, 2020 by Mark Riddix Unlike stocks, which represent equity or ownership in a company, bonds are loans. When you invest in loans, you are actually investing in debt. You loan your money to an organization for a set period of time. The organization uses the money to fund its operations and pays you interest over the life of the loan. … Read more Categories Investing7
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40+ MONEY HACKS TO IMPROVE YOUR FINANCES IN 2020 July 10, 2020July 10, 2020 by Pinyo Bhulipongsanon Every year, we set up big audacious goals that we want to accomplish in the new year. Somehow, we are magically more likely to succeed because a number changed on the calendar. Personally, I subscribe to another method: achieving financial success is making the commitment to take a series of small steps in the right … Read more Categories Personal Finance20 Comments
HOW TO CALCULATE YOUR FINANCIAL INDEPENDENCE RATIO July 9, 2020July 9, 2020 by Pinyo Bhulipongsanon How close are you to financial independence? What if I tell you that you can calculate this number down to a reasonably precise percentage. Regardless of where you stand financially, knowing where you are is a great way to help you move closer toward your goal of financial independence. Like measuring distance or time, knowing … Read more Categories Financial PlanningLeave a comment
WHAT PERCENTAGE OF PORTFOLIO SHOULD BE IN INTERNATIONAL STOCKS July 7, 2020July 7, 2020 by Pinyo Bhulipongsanon If you are new to investing and asset allocation, you might see some recommendations to invest in International Stocks. Still, every person you ask seems to give you a different answer about what percentage of your portfolio should be in international stocks, and why. Personally, I have about 30% to 35% of my portfolio invested … Read more Categories InvestingTags
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INVESTING IN BONDS FOR BEGINNERS July 7, 2020July 7, 2020 by Miranda Marquit When building an investment portfolio, most people focus on an asset allocation that includes two main types of assets: stocks and bonds. While we hear about stocks all the time (thanks to a financial media fixated on the Dow Jones Industrial Average and the S&P 500), we don’t really hear much about bonds. However, bonds … Read more Categories Investing5
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TYPES OF SAVING AND INVESTMENT VEHICLES July 6, 2020July 6, 2020 by Pinyo Bhulipongsanon Many different financial products can help you achieve your saving and investing goals. Each product is better at meeting specific objectives, while others are better for other purposes. When you start investing, it is a good idea to become familiar with the more common ones. I am an experienced investor, so I know many of … Read more Categories Investing9
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BEST HIGH YIELD SAVINGS ACCOUNTS FOR JULY 2020 July 4, 2020July 4, 2020 by Pinyo Bhulipongsanon Are you earning the most from your savings and money market deposit accounts? Savings and MM accounts are the foundation of a strong financial plan, providing you with financial stability as you work to achieve your goals. There are many banks and credit unions that offer savings and money market accounts. This article aims to … Read moreCategories Banking
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DOGS OF THE DOW STRATEGY FOR JULY 2020 July 4, 2020July 4, 2020 by Pinyo Bhulipongsanon The Dogs of the Dow is a straightforward investment strategy first introduced by Michael B. O’Higgins in his book Beating the Dow. The procedure is very simple. At the end of the year, look at the Dow Jones Industrial Average index, pick the ten stocks with the highest yield, and invest an equal amount of … Read more Categories InvestingLeave
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