A reader says, “Sir, several times you have emphasized the need to gradually decrease equity allocation step-wise, well before the retirement date. I have seen some illustrations with the freefincal robo advisor tool, and all start with an asset allocation of 60% equity.” “What if a person has a debt-heavy portfolio and wants to increase… The post How to plan for retirement with a custom asset allocation schedule? appeared first on freefincal.

Asking, “Where to buy stamps near me?” must be a very baffling question, especially now that everything can be sent digitally. We got you, here are 14 of the best places where to buy stamps. Knowing where to buy stamps near me is important information that everyone should have. There are documents you cannot send things digitally, like original documents. The vintage way of sending out our mail may never go out of fashion. It’s […]

At almost 50, I’m never doing a gut remodel again. Everyone who has survived one has the same thousand-yard stare. It’s the look of someone who spent two years arguing about grout color and waiting on inspectors who never show up when they say they will. Remodeling might be the most unpleasant thing you can […] The post Buy The Finished Home, Skip The Remodeling Misery appeared first on Financial Samurai.

I love Christmas, but honestly, have you seen how much some Christmas decorations cost these days? By the time you’ve bought a few baubles, some lights and a wreath for the front door, you’ve spent a small fortune. The thing is, you really don’t need to spend loads to make your house look lovely for Christmas. There are so many places to pick up cheap decorations, and some of the best bargains aren’t even in […]

I track all of our family’s expenses and make plans for all of our spending every month. I’ve been faithfully budgeting and living frugally for thirteen years. You might not think that doing a budget audit would yield very many opportunities for saving when our family is already locked into budgeting and frugality. I’m excited to surprise you! We are in the middle of a tight financial season right now due to multiple reasons. I […]

The scariest thing on a physician’s desk this October is the fourth-quarter estimated tax worksheet, propped against a 403(b) statement … Read more

One objective of tax planning is to limit income taxes paid during one’s lifetime.  To my mind, it is exceedingly difficult to present an entire adult lifetime tax arc in a single projection or spreadsheet. This is for many reasons, including the fact that we don’t know the date of death. What I think has […]

Firstly, thank you to everybody who purchased the new book Household Cybersecurity over this last week! If you have any questions about the material, feel free to ask, as you’re probably not the only person with that same question. If you found the book to be helpful, please consider leaving a review on Amazon (or Goodreads), as that’s the best way to help others find the book. Other Recommended Reading 4 Practical Uses of TIPS […]