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With three adult kids living at home, I would be living large on their rental income. I presume you ARE charging them rent? If not, you should. Otherwise the little angels will be more than happy to live large on daddy's dime for a long time waiting for that executive position to open up for their first job. Get my...more
I do not know if I truly believe this story. I was just there for several days in late April. Hearing from several people, not high rollers by any means, but ordinary work-a-day people. They had just the opposite view.
Unlike our unfunded pay as you go social security system, Singapore has a fully funded retire...more
How hard is it to get a police report? If they can't or won't come to the scene, call them up and give them a report over the phone and get an incident #. In Austin, TX a few years ago, the window on my rental was smashed and my gps was stolen. Visa paid for the window (secondary coverage but my deductible for comp ...more
Also, don't forget, the analysis of the breakeven point for waiting does not take into consideration the time value of money. If you include a reasonable 6-8% investment rate of return, the breakeven point never happens.
I use the 6-8% because I assume that if you don't take social security early, you will have to d...more
Most financial advisors peddle one of two things: annuities or high load funds or partnerships. That is not what most people want or need. Stay away from these.
There are many choices for a novice investor. Two come to mind. Go to Fidelity or Vanguard. Go to their low fee index funds. With 2-3 index mutual fun...more
In Singapore where we recently visited, the government has subsidized apartments for low income folks and the few that are on welfare (which is a whole story itself). These apartments, for up to 2 people are 200 sq feet. A family of up to 5...400 sq feet.
College costs have skyrocketed precisely because of the virtually unlimited amount of loan money and tax credits available. If those loan dollars and tax credits were eliminated or severely cut, colleges would have to respond by dropping tuition, fees and books costs to maintain enrollment.
Remember an empty seat in...more
Except for small windows of opportunity all of the major theme parks are terribly overcrowded. Everything costs plenty and unless you like spending over half of your time standing in line, stay away.
Better yet, take your kids camping or vacationing to our national parks or recreation areas. A far better deal, much...more
Cops spend enormous amounts of resources chasing drivers to write traffic tickets. Why?
Follow the money. It is enormously profitable. Instead of chasing criminals who really can hurt you like rapists, murderers, burglers, etc., where cops should be spending their time, the cops are largly writing traffic ti...more
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