By George Blower, Guest Writer Are you a self-employed individual considering setting up a solo 401(k)? You might be leaving money on the table if you or your CPA aren’t clear about the available tax credits. This article will dive into a common misconception that could save you $1,500 on your taxes. The Case of the Confused CPA Imagine this scenario: Client: “Hey, I just set up a solo 401(k). Can I claim that […]
In this edition of the reader story, Sanjoy shares how he deals with his investment fears and doubts. In a previous article, he discussed the Financial Lessons Learned During and After a PhD. In a sequel, he discusses how he overcame his mistakes in investing. About this series: I am grateful to readers for sharing intimate details about… The post Dealing with my investment fears and doubts appeared first on freefincal.
When Barack Obama was elected president the U.S. economy and markets were in rough shape. From the peak in October 2007 through election day the S&P 500 was already in the midst of a 35% drawdown. By the time he was inaugurated in January 2009, the market was down nearly 50% in total. By March, a Bloomberg opinion piece was calling it the “Obama Bear Market”: President Barack Obama now has the distinction …
Cryptocurrency experienced staggering volatility in 2021. The price of Bitcoin, the biggest digital currency by market value, started the year at around $30,000, only to more than double and hit north of $60,000 by mid-April. Since then, the cryptocurrency has tumbled to around $30,000 again. Let’s take a look at some of the key indicators, predictions, and possibilities for Bitcoin and other cryptocurrencies in 2022. Table of Contents show Past Crypto Trends Anyone keeping track […]
The Big Picture On Fractional Ownership In Real Estate: Fractional real estate ownership allows investors to buy small shares of properties, enabling participation in rental income and capital gains without the hassle of managing properties directly. Investment options range from crowdfunding platforms with low entry points to commercial property syndications. They offer passive income and tax benefits but vary in liquidity and control. While fractional ownership lowers the barrier to real estate investment and diversifies portfolios, it comes with risks, fees, and limited decision-making power, depending on the investment’s structure. Disclaimer The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or investment advice. Always consult a licensed real estate consultant and/or financial advisor about your investment decisions. Real estate investing involves risks; past performance does not indicate future results. We make no representations or warranties about the accuracy or reliability of the information provided. Our articles may have affiliate links. If you click on an affiliate link, the affiliate may compensate our website at no cost to you. You can view our Privacy Policy here for more information. Real estate is expensive. But no one says you must buy an entire property all by yourself. Enter: fractional ownership in real estate. You don’t need to be rich to buy shares in properties. Sometimes, you can buy property shares for as little as $20. But we’re getting ahead of ourselves. What Is Fractional Ownership in Real Estate? As the name suggests, you can buy partial ownership of a property. That could mean direct ownership, where your name appears on the deed alongside other owners. It could also mean that you own a portion of the legal entity that owns the property or the legal rights to a certain percentage of the property’s rental income and profits upon sale. Components of Fractional Ownership Agreements Just as fractional ownership offers different ways to participate in real estate, it also comes with specific arrangements that define how the shared property ownership operates. Aspect Details Ownership Structure Can be divided by percentage (e.g., 25%, 50%) or time periods. Management Rights It may include shared responsibility for property decisions or delegated management. Exit Options Buy-out provisions, first right of refusal, or market sale. Costs Division Shared expenses for maintenance, taxes, and insurance. Usage Rights Agreement on personal use vs. rental periods. To delve deeper, you must understand how to own real estate fractionally. Ways to Buy Fractional Real Estate While many ways exist to own partial property shares, a few are the most common and accessible. Keep the following options in mind as you explore fractional real estate investing. Partner on a Property Imagine your brother-in-law (the one you
The 401(k) contribution limit for employees in 2025 has increased to $23,500, up from $23,000 in 2024. The employer contribution limit also rises to $46,500, bringing the combined employee and employer 401(k) contribution limit to $70,000 for 2025. Don’t underestimate the power of employer 401(k) contributions, especially as you advance in your career. As you […] The post 2025 401(k) Contribution Limits: Bigger Savings, Better Retirement appeared first on Financial Samurai.
After an economic failure, panic ensues. The market crashes, everyone scurries around looking for stability, yet no one seems to know how to calm the mass hysteria. If the economy fails, one way to avoid launching into a crisis involves owning a stable home. When these recessions happen, housing prices plummet alongside interest rates and … Read more
By Dr. Jim Dahle, WCI Founder Not long ago, I had a white coat investor write in with an email titled “Recommendation for a side gig.” The recommended side gig? Trading stocks. The email went something like this: “I’ve had market-beating success for almost two years now by learning the methods taught and proctored by these guys, using their software and participating in their program. Now, it takes me only about 45 minutes every morning […]
Log in <!– Enter your details below. –> <!– USERNAME OR EMAIL –> <!– PASSWORD –> Remember Me Forgot password or username? The post Whiplash: buy the dip for speculative gold stocks appeared first on Fat Tail Investment Research.
Save, invest, prosper with My Own Advisor. October 2024 Dividend Income Update Hey Everyone! Wow, quite the week to date in U.S. politics! I’m going to ignore too much more coverage and thoughts on that since it can be far too polarizing to discuss. Instead, I’ll try and stick to financial updates here on My Own Advisor and this month I have… Join the million dollar portfolio journey. The article October 2024 Dividend Income Update […]
Bill Artzerounian joined me on this show this week to talk about the election’s impact on your taxes, the downsides of early retirement, tax planning for retirement and when to fill up your Roth buckets for retirement savings. Further Reading: Some Things I Don’t Believe About Investing The post Presidential Terms, Recessions & Bear Markets appeared first on A Wealth of Common Sense. …
The post Does Tesla Pay Dividends? appeared first on Dividend Power. Despite its precarious start more than two decades ago, when Elon Musk believed the company had just a 10% chance of success, Tesla has defied the odds to become a behemoth in the global automotive industry. Indeed, according to Backlinko, it sold more electric cars than any other electric vehicle manufacturer in the first eight months of 2021 and drove $22.35 billion in revenue within a similar […]
The Big Picture On The Best Short-Term Investments: Options like high-yield savings accounts offer safety but minimal returns. At the same time, Treasury bills and Treasury Inflation-Protected Securities (TIPS) provide slightly higher yields with government-backed security, albeit still susceptible to inflation risks. Groundfloor provides high returns (around 9-10%) by investing in short-term real estate loans, though funds remain locked until borrowers repay. Concreit offers greater liquidity with a high dividend and easy withdrawals, but at a more moderate return level. Higher-risk strategies like corporate bonds and fractional ownership in property funds, such as those offered by Ark7 and Arrived Homes, enable investors to target higher returns. Disclaimer The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or investment advice. Always consult a licensed real estate consultant and/or financial advisor about your investment decisions. Real estate investing involves risks; past performance does not indicate future results. We make no representations or warranties about the accuracy or reliability of the information provided. Our articles may have affiliate links. If you click on an affiliate link, the affiliate may compensate our website at no cost to you. You can view our Privacy Policy here for more information. You don’t always know when a killer real estate deal will come along. Sometimes, you wait months or longer for the right deal. Plus, it takes time to save up a down payment. Even if you borrow 80% with an investment property loan, you still need $100,000 for a $500,000 property. All of which means real estate investors need places to park their money while they prepare to buy their next property. So, what are your best options for short-term investing? Start here in your search for the best short-term investments. What You Want in Short-Term Investments Your goals for short-term investments are different from long-term investments. Rather than chasing the highest possible returns, look for the following when investing short-term: Low Risk/Volatility: Imagine you set aside some money for a down payment on a rental property by investing it in the stock market. Then, as soon as you find a good deal on a property, the stock market crashes, evaporating 25% of your funds. Suddenly, you no longer have enough cash for the deal, and it slips through your fingers. You need safe, secure investments for short-term investments rather than counting on the high historical average stock returns. Liquidity: With short-term investments, you often don’t know exactly when to pull out your money. When the time comes, you may need to move fast. That means you need highly liquid investments that you can access easily instead of illiquid but high-return investments like Fundrise and Streitwise. No Transaction Costs: If you have to pay hefty fees to move money in and out of your investments, it defeats