With U.S. treasury bond yields zooming higher, the interest in buying treasury bonds has followed suit. Let me show you how to buy treasury bonds online. Treasury bonds are risk-free investments if you hold them until maturity. Treasury bonds are issued by the United States federal government to finance projects or day-to-day operations. As inflation
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With the Federal Reserve determined to hike rates to 4.5%, another global financial crisis might be brewing. The Board Of Governors are all very rich, so they’ll be OK. However, a world of hurt could be coming for the middle class. Thankfully, balance sheets are stronger this time around. Many of us have also diversified
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There are some people who think that achieving financial independence before 65 is only for people with high incomes. I disagree. The disgruntled will go on about how it’s not fair other people are able to escape the rat race early, while they’ve got to grind on because they’re earning less than six figures a
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One of the main reasons why I wrote Buy This, Not That was to help readers feel less regret over time. Regret is one of the worst feelings, especially if it is a type of regret that could have been prevented through knowledge. The easiest way to stop saying, “If I knew then what I
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During the global financial crisis in 2008 – 2009, I expected the San Francisco Property Assessor Office to automatically lower my property tax bill. After all, home prices had topped out at the end of 2006 and had declined about 5% a year for three consecutive years. Instead of receiving a property tax bill reduction,
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Market timing is the strategy of making buying or selling decisions of financial assets by attempting to predict future market price movements. By timing the market, the hope is to make a profitable decision at the time of action. Market timing gets a bad rap partially because it’s difficult to do consistently to profit. However,
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In a previous article, I highlighted the negatives of early retirement nobody likes talking about. It might have seemed like the negatives of early retirement outweighed the positives, but it’s not the case at all. I just wanted to provide some balanced perspective before you make one of the biggest decisions of your life. Jump
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Early retirement sounds great and it is great for the most part. But there are negatives of early retirement life that also needs to be discussed. I retired early in 2012, at the age of 34. Then I unretired a year later because early retirement felt unnatural. Since retiring early in 2012, I’ve redefined what
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If you want to upgrade your home, get excited! The perfect time to upgrade your home is coming. Meanwhile, be patient and build your cash reserves. I really can’t believe the good fortune for move-up homebuyers. The supply of homes has stayed relatively steady, but the demand for homes has been dropping since 1Q 2022
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Not only are we born with creativity, but we also have the power to become more creative with effort. The more creative you are the happier you will likely be. There is a tremendous amount of fulfillment when you create something from nothing. Being more creative could make you more money as well. It takes
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For the first time in my income-earning life, I accidentally paid my estimated taxes twice. If you ever do the same, I want to share with you what happens next and when you’ll get your overpayment back. Bottom line: Don’t worry too much. You’ll eventually get your money back within six weeks. How Could I
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Here in the San Francisco tech startup scene, we have a term called “the trough of sorrow.” The trough of sorrow refers to the sadness that comes after a setback or a big win. After a setback, you’re tasked with finding product-market fit to survive given your company has a limited runway of cash. You
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You might be wondering why rich central bankers remain unrelenting in their desire to raise interest rates. After all, there are plenty of signs individual components of inflation are rolling over. Given interest rate hikes take three-to-six months to have an affect, the Federal Reserve could over tighten, thereby worsening the recession. American central bankers
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