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Exchange-Traded Funds | All Insights Explain It To A Golden Retriever – Our 2025 Review Of Global ETFs Raph Antoine Last Updated: July 28, 2025 Share: Raph Antoine Last Updated: July 28, 2025 Share: The Definitive Guide to Equity Index Investing – PART 2 This article is Part 2 of our definitive guide to Equity Index Investing.In 2019, I cycled 4,000+ km across Japan, from Hokkaido to Okinawa. A few typhoons forced me to leave, but one reason I will come back is the architecture, especially the peaceful countryside and the Japanese gardens.Japanese people love minimalism and simplicity. In a lot of fields, as Steve Jobs said, building Simple products is Hard. Making a product like the iPhone certainly was.Yet, in investing, building Efficient portfolios is simple. KEY TAKEAWAYS Do You Understand Your Strategy? If you can’t explain it to a Golden Retriever, you don’t understand it. Your complicated strategy will be tested by the market – like the value of subprime bonds was for
By Dr. Erik Hofmeister, WCI Columnist At the end of 2022, a good friend of ours completed through-hiking the Appalachian Trail. While doing so, he heard people talk about the Camino de Santiago in Spain. Knowing how much my wife and I like walking and that I had always been somewhat interested in a long-distance hike, he shared what he knew—specifically that you could sleep in a bed every night. I wasn’t super interested in […]
Click here to read the Captain FI Net wealth update for Q2, 2025. The post Captain FI Net wealth Update Q3 2025 first appeared on Captain FI.
Hey Everyone! I hope you’re having a great summer. We are in the middle of a road trip in California. In the first part, we drove down to Santa Rosa to visit the Charles M. Schulz Museum and hung out with my brother in San Jose. In this second part, we headed off to the California Central Coast and visited the Sequoia National Park. It was great. California Central Coast Mrs. RB40 and I love the California Central Coast. We went to college in Santa Barbara and always wanted to move back someday. However, a house is very expensive in Santa Barbara. That’s why we’re exploring other towns along the California Central Coast to find a more affordable location. On this trip, we targeted Monterey and San Luis Obispo area. Monterey A few years ago, my college roommate got a huge house in a beach town near Monterey. That’s awesome because now we have a place to stay for free. We walked around Carmel and Pacific Grove, then went hiking at Point Lobos Natural Preserve. It was great. Carmel had a ton of nice shops and cute houses. The beach was very busy, though. Pacific Grove was nice too and less crowded. However, this whole area is super expensive due to the proximity to Silicon Valley. I suspect people sold their homes in San Jose for a huge profit and moved to the beach. We probably won’t fit in here. San Luis Obispo After a few days in Monterey, we drove down the 101 to San Luis Obispo. Mrs. RB40’s cousin lives there and we wanted to catch up. We also wanted to visit Cal Poly San Luis Obispo because Mrs. RB40’s dad went there. It was a pretty neat campus. The town is only 10 minutes away from the university. We like SLO. It feels similar to Santa Barbara back in the old days. It’s smaller, but cleaner and less busy. SLO seems like a nice town to live in. The good thing is that the beaches are only about 20 minutes away. I wouldn’t mind settling down around SLO. Pismo Beach and Morro Bay We spent a day in SLO and stayed a couple of nights at Pismo Beach. The beach is nice, but very touristy. There were a ton of people there. The Pismo Beach pier is neat too. It looks like a good place to go fishing. A local guy caught several good-sized mackerel while we were watching. There were plenty of restaurants near the pier. The guys at the info booth assured us that every restaurant is good. Pismo Beach is very nice. I think it’s too touristy for me. I also like a bay or cove so it would be easier for paddling. Pismo Beach is wide open to the Pacific. It’s nice for surfing, but harder for kayaking. A few minutes south of Pismo Beach is the Oceano Dunes Natural Preserve State
Artificial Intelligence (AI) is no longer a concept for the distant future. It’s here, transforming industries, reshaping workflows, and unlocking unprecedented potential for businesses.HR and payroll software provider Paylocity explains how organizations now face the critical challenge of equipping their workforce with the skills needed to thrive in this AI-driven world. Why Upskilling is Essential for AI Integration AI is revolutionizing how work gets done, enhancing productivity and driving innovation across industries. From automating data-heavy […]
Typically, retirement is the last and most important financial goal for most families. Before retirement, the kids would have started working and sometimes married too. However, this dynamic is fast-shifting because normal retirement is no longer at 60. It is now 50- 55. Additionally, more and more people are getting married and becoming parents late…. The post How can I plan if my goal deadlines are after retirement? appeared first on freefincal.
“How many more minutes until we get there?” That question must be my kids’ version of “Are we there yet?” because they’ll ask that question as soon as we head somewhere… And multiple times throughout any trip. So I figured I’d build something that shows them exactly that – how many minutes (and hours) until we reach our destination. What did I end up building? An Android app that displays the distance (in miles) and […]
Money is the current standard by which goods and services are exchanged. It is the global system of payment through which most transactions are carried out right now, but it wasn’t always this way. There were other forms of payment for transactions even before money was invented. At a point in human history, over 5,000…
The stock market outlook shows an uptrend for U.S. equities, after breaking out from its recent consolidation.
Send us a text Join us on Average Joe Finances as our guest Chad Ackerman about his remarkable journey from a corporate HR professional to a successful real estate syndicator and business coach. Chad shares his personal story, detailing how he transitioned from his W2 job and navigated the challenges of the real estate investment […] The post Podcast 305. Finding Your Buy Box: Effective Strategies for New Investors with Chad Ackerman appeared first on Average Joe Finances.
Back-to-school season can be both exciting and expensive. According to the National Retail Federation, families spent an average of $890 on school supplies last year. That number can add up quickly without a solid plan in place. This 2025 back-to-school supplies list breaks down must-have items by grade level, includes money-saving hacks, and even…
Right or wrong, our economic system invariably creates haves and have-nots. It’s a feature not a bug. This feature has always been more prevalent in the stock market than the housing market: The bottom 90% owns just 12.8% of the stock market1 but 56% of the housing market. The top 1% owns 50% of the stock market and less than 14% of the housing market. The largest financial asset for the majority of middle-class ho…
My Sweet Retirement Frasers Centrepoint Trust 3Q25 Business Updates On 24th July 2025, Frasers Centrepoint Trust announced its 3Q25 business updates. As this is only a business update, the manager of Frasers Centrepoint Trust will only share the Frasers Centrepoint Trust’s operational performance. There … Frasers Centrepoint Trust 3Q25 Business Updates My Sweet Retirement