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Hey Everyone! I hope you are doing well. Life keeps changing, and we all have to adapt. It’s a pain in the butt, isn’t it? Mrs. RB40 is back in California for a few days to visit her parents. Her dad had a minor medical emergency, and he was sent to the ER by his neighbors. He is at a rehab facility now. He should be there for about 20 days. Mrs. RB40 is trying to move him into an assisted living facility afterward. This is much sooner than any of us anticipated. On her last trip, Mrs. RB40 worked with Visiting Angels to set up home healthcare assistance. We hoped that would be okay for 3 years, but we were too optimistic. Unfortunately, her dad needed more help than we expected. He was improving when Mrs. RB40 was there to cook and help out around the house. However, he didn’t take care of himself very well after she came back to Portland. One shift of aid workers wasn’t enough. The neighbors had to go over almost every night to help him get to bed. He also didn’t eat properly and got constipated enough to go to the hospital. He probably got UTI as well, based on the elevated white blood cell count in the urine. It seems he can’t live by himself at home anymore. The situation is untenable. Mrs. RB40 is in California for 10 days on this trip. She’ll have to come home because she has a medical appointment in Portland in December. Then she’ll go back to California for 6 weeks to help her dad settle into a nursing home. She’ll have to take over his house and various interests. It’s a lot of work. I guess it’s good she retired earlier this year. She wouldn’t have been able to do any of this if she were still working. Fortunately, her mom is relatively healthy and doesn’t need a ton of help right now. Her parents are divorced. They live in the same town, but in a different home. My dad On my side, my dad had developed some health issues as well. Recently, he was diagnosed with prostate cancer, and we are trying to figure out what to do next. He is getting all sorts of scans. Next, he’ll have to decide whether to get surgery and/or radiation treatment. Surgery will likely cause urinary incontinence and ED (erectile dysfuction.) I think he prefers to only do the radiation treatment. I guess that’s a good option at 80. Also, my dad is starting to have more mobility problems. His left leg gets weak sometimes. We are not really sure why this is happening. He fell a couple of times, and he has to be a lot more careful now. I told him to use a cane and install grab bars in the bathroom, but he didn’t listen. Why are old people so stubborn? Fortunately, this problem seems to have improved. He can walk better now. He
Introduction — Why this little book still matters The Richest Man in Babylon is a compact work of financial wisdom wrapped in short parables set in ancient Babylon. Despite the book’s age and its simple storytelling style, it remains astonishingly relevant. The text distills foundational money-management principles into memorable stories and practical maxims that readers can apply immediately. If you’re tired of jargon-heavy personal finance manuals, this book’s plainspoken lessons — about saving, investing, avoiding […]
Here is a Life on a Dime’s 2025 Christmas Gift Guide. Minimalist Edition of course The post A LIFE ON A DIME’S 2025 CHRISTMAS GIFT GUIDE appeared first on a life on a dime.
The stock market outlook shows an uptrend for U.S. equities, but the index hasn’t overcome recent technical weakness.
Join us on Average Joe Finances as our guest Rizwan Memon, an equities and derivatives trader with 18 years of experience. Rizwan shares his journey from starting trading at 16 years old with $5,000 to becoming a seasoned trader specializing in U.S. financial markets. He discusses his strategies, including the use of complex options and […] The post Podcast 321. Stocks, Strategies, and Success with Rizwan Memon appeared first on Average Joe Finances.
Sometimes you need financial help to cover basic living expenses like housing, utilities, groceries, and health care to get you and your family over the hump. You can apply for free government funding, depending on your circumstances and qualifications. Most government assistance programs are federally funded but run by the states. The recent government shutdown, which was the longest in American history, has ended, but it may take some time for it to get back […]
I was an advertising writer/creative, so I have this propensity to distill more complex ideas into a 30-second movie, or a 6 word headline. We had to cut to the chase, and decide what was really important – what is the main message? An ad started with a briefing document. The most important section was the ‘single minded proposition’. I have just read the latest Wealthy Barber book. The single-minded proposition has not changed. Save […]
This post will tell readers about my crowd source project to improve the Nuggets of Investing Wisdom for everyone. The project is to crowd source ideas not money. The aim of this blog over the last six years has been to help readers become highly successful investors in common stocks. The 275 plus posts cover almost all topics readers need. The blog is all about investment process. Taken together, the posts are like a book […]
Imposter Syndrome and Retirement “Face it Til You Make It” is the cure for imposter syndrome. It is an obvious variation of fake it til you make it. We all face high-stress situations when we feel inadequately prepared. Imposter […]
The month of October 2025 is another month of dividend income landing in my accounts. Due to becoming debt free, I changed my pay myself model. Starting the beginning of August 2021, I am paying myself 30%, just like before. This will now consist of 24% to investing, and […]
How Often Are MRIs Used During Routine Executive Physicals? As the pursuit of longevity and biohacking increases, will MRIs become a common part of routine executive healthcare? How Frequently Are MRIs Included? Most executive physicals concentrate on labs, CT scans, […]
Housing affordability is the craziest and hottest financial topic of the past decade. The prices are wicked-high, mortgage rates are stubborn, and those first-time buyers are getting totally squeezed harder than my a my cheap ass trying to get the last bit of toothpaste out of the tube. So naturally, there are new ideas are being thrown around. Some are smart, some are wild, and some that feel like they’re ripped straight from a bank […]
At a Glance: Most asset classes look “frothy” or “bubbly” right now Multifamily real estate already had its bubble and has started recovering The Dow closed at its 17th record high of the year yesterday. The S&P 500 is up 16.5% this year, and has logged 32 record closes in 2025. Add in the fact that the S&P 500 has a price/earnings ratio around 31 – roughly double the long-term average of 16 – and you can see why so many analysts are biting their nails. Tech stocks and AI look particularly bubblicious. Nvidia’s stock has skyrocketed 416% over the last two years, and the industry keeps announcing circular deals among the same few companies. 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. It’s not just stocks, either. Gold prices are up 63.8% over the last year. Silver is up 75.4%. Single-family homes keep hovering around all-time highs, despite softness in the housing market. And crypto? Whatever I’ll just leave that alone. It begs the question: what assets AREN’T in a bubble? One Asset Clearly Not in a Bubble: Multifamily There was a bubble in multifamily: back in 2020-2022. And it burst. The Fed’s Multi-Family Real Estate Apartment Price Index fell 25.2% from the second quarter of 2022 to the second quarter of 2024. That’s not a correction, or even a crash – it’s a bear market. That’s roughly the same amount that single-family home prices fell during the Great Recession. Except back then, everyone panicked about it. Almost nobody has talked about the bear market in multifamily. (article continues below) Real estate investments? Awesome. Being a landlord? Less fun. Learn how to earn 15%+ on passive real estate investments in our free video course. Access Free Course The Bottom & Recovery Multifamily values bottomed out in the second quarter of 2024. Since then, they’ve risen between 5.5% – 7.6% (depending on which data you look at). That makes 2025 an ideal time to invest, historically speaking. Enough time has passed that we know it hit bottom and started recovering, but it’s still early enough in the market cycle that most of the growth lies ahead. Other Tailwinds There are plenty of distressed multifamily properties out there, and some