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newstfionline · 4 years

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Friday, November 27, 2020

A growing number of Americans are going hungry (Washington Post) It was 5 a.m., not a hint of sun in the Houston sky, as Randy Young and his mom pulled into the line for a free Thanksgiving meal. They were three hours early. Hundreds of cars and trucks already idled in front of them outside NRG Stadium. This was where Young worked before the pandemic. He was a stadium cook. Now, after losing his job and struggling to get by, he and his 80-year-old mother hoped to get enough food for a holiday meal. More Americans are going hungry now than at any point during the deadly coronavirus pandemic, according to a Post analysis of new federal data—a problem created by an economic downturn that has tightened its grip on millions of Americans and compounded by government relief programs that expired or will terminate at the end of the year. Experts say it is likely that there’s more hunger in the United States today than at any point since 1998, when the Census Bureau began collecting comparable data about households’ ability to get enough food. One in 8 Americans reported they sometimes or often didn’t have enough food to eat in the past week, hitting nearly 26 million American adults, an increase several times greater than the most comparable pre-pandemic figure, according to Census Bureau survey data collected in late October and early November. That number climbed to more than 1 in 6 adults in households with children. “It’s been driven by the virus and the unpredictable government response,” said Jeremy K. Everett, executive director of the Baylor Collaborative on Hunger and Poverty in Waco, Tex.

Tweet on spare change generates big money for virus aid (AP) Andy Larsen is a sports writer, but with so many games scratched during the pandemic he has spent a lot of time digging into coronavirus data and its sobering implications. Then on Monday, while he was sorting his spare change—some from a childhood piggy bank shaped like SpongeBob SquarePants—it struck him: Other people in Utah could use the money more than he could. His composed a tweet to his nearly 27,000 followers, hoping to quickly find someone who could use the $165.84. Within a minute, someone offered to essentially double his donation with a deposit into his Venmo account. Then someone else pitched in, and another. It kept snowballing as Utah Lt. Gov. Spencer Cox retweeted it, calling the effort “very cool.” “I figured I would help a couple families with Thanksgiving, or a family with three kids buy Christmas presents,” said the 29-year-old Larsen, who covers the NBA’s Utah Jazz for the Salt Lake Tribune. By Wednesday, he had collected more than $52,000. With the pandemic keeping people from getting together in a big way for the holiday, the online effort became a chance to conjure a sense of community, a feeling of being part of something larger. “It felt like it took on a life of its own,” he said.

How College Students Are Helping Each Other Survive (NYT) At many colleges and universities, from underfunded institutions to top-tier private colleges, many students have found themselves unable to meet basic needs during the coronavirus pandemic. Financial insecurity, previously accelerated by rising tuition costs and living expenses, has become even more acute because of the closure of campuses, loss of jobs and slashing of budgets. In response, across the country, students have created mutual aid networks: raising and redistributing tens of thousands of dollars to help their peers cover housing, medical costs, food and other essentials. Generally, students send in requests for small amounts of money, and network organizers will send them the funds using payment apps like Venmo. At its core, mutual aid is a form of charity in which neighbors or peers work together to help each other out on a case-by-case basis. The aid networks are entirely student-run, operating outside of any official college administration oversight. At Georgetown University, students donate cash to a central Venmo account, according to one of the founders, Megan Huynh, 20. “Then we have a funding request form for students in need—both undergrads and graduate students—to request basically like a micro-grant of $50 to $100,” she said. “And we just send them the money, no questions asked.”

Pandemic gave locals fleeting taste of a tourist-free Hawaii (AP) Line-Noue Memea Kruse lives on Oahu’s famed North Shore, where marveling at sea turtles, epic waves and sunsets that paint the sky orange and purple are a must for many tourists in Hawaii. After the islands required a two-week quarantine for travelers amid the coronavirus pandemic, Kruse rejoiced in the little things as the number of tourists dramatically dropped. It took her 35 minutes to drive to Walmart, instead of spending hours stuck in traffic as tourists gawked at turtles on the beach. Before the pandemic, as many as 30,000 visitors arrived a day. That dropped to several thousand after the quarantine mandate. “What the pandemic did was give us all a moment to pause, a number of months, to rethink everything,” said state Sen. J. Kalani English. “What it proves for us is that old model of tourism, which is, you know, mass bring 11 million visitors a year, didn’t work and people were tired of it.”

Macron’s Rightward Tilt, Seen in New Laws, Sows Wider Alarm in France (NYT) A rightward push by the French government is alarming civil liberties advocates in France and raising questions about President Emmanuel Macron’s positioning ahead of an expected electoral challenge from the far right in 2022. Propelled by a national wave of anxiety following recent terrorist attacks by Islamist extremists, two proposed new laws underscore what critics have called an alarming drift toward repression in government policy. One bill, which passed an initial hurdle in the lower house of Parliament, the National Assembly, on Tuesday, restricts the public filming of the police, a step civic groups consider a shield for brutality at a moment when law enforcement has come under more scrutiny for aggressive tactics, often from citizens armed with cellphone cameras. The other, still to be considered by Parliament, seeks further restrictions against Islamism as the French government has defined it, reaching into some aspects of Muslim life. This bill would ban home-schooling, flag in a database those deemed to “excuse” terrorist acts, subject organizations that receive government subsidies to a test of allegiance to “the values of the republic,” and increase strictures against polygamy, which is already illegal. In tilting right, Mr. Macron, a shape-shifting centrist who came out of the Socialist Party, has placed himself largely in step with public opinion.

German restrictions to last until March? (Reuters) Germany will probably have to stick with measures to dampen the pandemic into January, Chancellor Angela Merkel said on Thursday, while her chief of staff suggested that restrictions might be needed until March. “Given the high number of infections, we assume that the restrictions which are in place before Christmas will continue to be valid until the start of January, certainly for most parts of Germany,” Merkel told parliament.

It was never easy being an interfaith couple in India. Now some states are making it harder. (Washington Post) Marrying across religious lines has always been a challenge in India, a vast multifaith democracy where the pull of family and tradition remains strong. Now politicians in India’s ruling party are contemplating laws to thwart such unions, driven by a conspiracy theory that views them as a tool for conversions. At a rally last month, the leader of the country’s largest state warned of the danger of “love jihad,” an inflammatory slur referring to an alleged plot by Muslim men to convert Hindu women through marriage. Men who “conceal their names and play with the honor of daughters and sisters” should prepare for their final journeys, thundered Yogi Adityanath, the radical Hindu monk who leads the state of Uttar Pradesh. The “love jihad” smear is baseless, but it has become common parlance among members of India’s ruling Bharatiya Janata Party. In recent weeks, four state governments have promised to enact new laws to combat the purported threat. The new laws will deepen concerns that under Prime Minister Narendra Modi, India’s Muslim minority is increasingly subject to suspicion, discrimination and even violence.

Coronavirus: Shanghai rises to become world’s most connected city (BBC) Shanghai has dethroned London to become the world’s most connected city as the coronavirus shakes up international travel. London has seen a 67% fall in connectivity in air travel, according to airline industry body IATA. Shanghai has risen up the ranks, and the world’s four most connected cities are now all in China. IATA says the pandemic has “undone a century of progress” for connectivity between cities. “The dramatic shift demonstrates the scale at which the world’s connectivity has been re-ordered over the last months,” said Sebastian Mikosz, a spokesman for the International Air Transport Association (IATA). Large transport hubs including London, New York and Tokyo have been hit hard by the dramatic reduction in flights in and out of their cities.

Ethiopian PM says troops ordered to move on Tigray capital (AP) Ethiopia’s prime minister said Thursday the army has been ordered to move on the embattled Tigray regional capital after his 72-hour ultimatum ended for Tigray leaders to surrender, and he warned its half-million residents to stay indoors and disarm. The military offensive “has reached its final stage” after three weeks of fighting, Prime Minister Abiy Ahmed’s office said. That means tanks and other weaponry can close in on Mekele, whose residents had been warned of “no mercy” if they didn’t move away from Tigray leaders in time. Abiy’s statement asserted that thousands of Tigray militia and special forces surrendered during the 72-hour period that ended Wednesday evening. “We will take utmost care to protect civilians,” the statement said.

It’s Time for a Digital Detox (NYT) Even though the presidential election is over, we’re still doomscrolling through gloomy news about the coronavirus surge. The rest of your daily routine is probably something like mine while stuck at home in the pandemic: Divided among streaming movies on Netflix, watching home improvement videos on YouTube and playing video games. All of these activities involve staring at a screen. There has to be more to life than this. With the holiday season upon us, now is a good time to take a breather and consider a digital detox. No, that doesn’t mean quitting the internet cold turkey. Think of it as going on a diet and replacing bad habits with healthier ones to give our weary eyes some much needed downtime from tech. “There’s lots of great things to do online, but moderation is often the best rule for life, and it’s no different when it comes to screens,” said Jean Twenge, a psychology professor at San Diego State University and the author of “iGen,” a book about younger generations growing up in the smartphone era.

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bjoyful · 7 years

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Day 1 Pt III

A Great First Day

It was sweltering outside waiting for the Hertz guy to get our car. Fortunately Tim and I had both changed to Hawaii clothes (tank tops and board shorts of course). And there were palm trees swaying in the slight breeze to Instagram.

Blasting the relieving AC in our rental car, Tim drove us over to Ala Moana (which was 4 minutes away), and we navigated our way through the Friday afternoon masses to Curry House Coco Ichibanya. We did still want to save some of our appetites for Marukame Udon, that world-famous udon noodle house that we went to twice during our honeymoon, so we just ordered a medium-ish bowl of chicken curry to share. Then Tim realized they took cash only, and fumbled around in his wallet for the few dollars he had. He came up a dollar short. The young Asian cashier guy (his face looked a little like Bryant Trinh’s but more round) who was taking our order looked at us sympathetically before saying, “Here, I might have some change.” Then he pulled his own wallet out of his back pocket, took out a dollar, and added it to our payment! Both Tim and I were astonished with his generosity. It pretty much made our day.

We proceeded to devour the curry when it arrived. I don’t know if it was because I was famished, but that was probably some of the best rice + curry I’ve ever tasted.

Since Luke sold us his GoPro Hero 4, we’ve also been trying to find a case and accessories for it here so we can take it surfing and hiking and snorkeling and on other ventures with us. We weren’t really able to find anything nearby Curry House that had GoPro 4 stuff so we headed out. We’ll be back at Ala Moana later.

We checked into the AirBnB apartment that we’re staying in, and it’s pretty much like a nice 2-star hotel without the room service. It’s in a complex called Island Colony right around the corner from our favorite udon shop. They have a really nice pool area with a hot tub, but unfortunately the pool’s under construction. That’s okay, that’s what the beach is for. The view from our room is very building-saturated but you also get a little glimpse of the ocean and you can see the Ala Wai canal easily.

One issue to overcome was the parking situation. If we used the complex’s parking garage, we’d pay $30 a day. Neither Tim nor I was willing to pay that much, so we parked temporarily in a 2-hour parking spot close to the complex, chilled in the room for a couple hours to recuperate, and then headed back out to find a good spot.

According to our online research, if you were extremely lucky you would be able to nab a spot along Ala Wai canal, but the chances of that are pretty low, like getting a spot directly in front of Horton at Biola. We prayed anyway, of course. We then gave it a go and got stuck at the red light to get on Ala Wai Blvd while a line of cars drove by, looking at the long stretch of parallel-parked cars across from us with no open spaces. With low expectations, Tim turned left. Suddenly, right up ahead of us a car’s lights turned on and it pulled away! We had a spot! And an extremely rare, very close one, too.

Praise the Lord. His providence is true to us on vacation and everywhere else. We look back at last year during our honeymoon when we needed dishwashing soap and were going to go buy some, went walking around Hilton Hawaiian Village and found a brand new mini dish soap bottle on the ground smack in front of us. Right after we parked, I took a picture to capture the moment of our amazing spot right by Ala Wai canal. Unfortunately there was a random sad woman also there, who was captured in the photo as well.

We weren’t really hungry for udon yet so we decided to walk around the area (which has a ton of shopping and touristy things and the beach) a bit. I can’t get over how warm it is here. It’s not muggy like SoCal, but still hot and even more humid. The sun shined bright we were walking, and reaffirmed my packing decision that the only long-sleeve that I even brought was my Pixar Piper shirt.

While crossing Kalakaua Ave, I saw two Honolulu Cookie Companys and 3 ABC Stores on the way. They’ve done a lot of new development here, including remodel International Marketplace which is a gorgeous new outdoor mall featuring towering banyan trees, natural-looking ponds and fountains, and flagstone walkways. I was extremely impressed. Tim said it used to look pretty tacky before.

I couldn’t help finding my way to the beach. When we got there, Tim scanned the amount of surfing people in the waves and exclaimed, “It’s a zoo out there!” Yes, Waikiki Beach surfing is way worse and way more crowded than San Onofre. We stood for several moments watching everyone clamor for a ride, and I daydreamed about how we’d be surfing out at Waianae in a few days and there’d probably be nobody else there but us.

We realized that the line was probably getting pretty long at Marukame, so we headed back, and we were right. The line was Disneyland status. I guess that’s the only thing I don’t really enjoy about being in Waikiki/Honolulu, Oahu is that it’s just as densely populated as any other tourist-frequented city.

The wait for Marukame didn’t feel too unbearably long, though, and the food was well-worth it as always. You grab a tray, stand in line and order your noodles, Urban Plates style, then they give you your bowl of noodles and you take your noodles and tray and pick your sides then pay the cashier Fresh Choice style. I ordered cold udon with sweet beef and an egg, and Tim ordered cold udon with sauce, and we both shared some tempura. I was hungry again by the time we got our food and sat down, so everything tasted twice as good.

Pleased with the eats, we headed back to the room, changed into swimsuits and hit up the hot tub and hung out for a bit there, quizzing each other on random geography questions. Tim asked me what the 7 continents were and I had to sit quietly for several minutes making sure my answers were right so that he didn’t make fun of me. When I asked him what the capital of Denmark was, he said, “Bismarck?”

On the way back up to our room from the hot tub, there was a friendly older Korean tourist couple in the elevator with us. They recognized Tim’s cupping marks on his back and chattered to each other about them, then pointed to his biceps muscle, very impressed, and motioned with their hands that they knew he was strong. I grinned to myself and Tim accepted their foreign compliments humbly.

To wind down for the evening, we streamed Fantastic Beasts and Where to Find Them, which was a very engaging, surprisingly disturbing film. I enjoyed it because it seemed carry the same relationship to the rest of the Harry Potter series as Rogue One did to Star Wars, even though the story was a bit more confusing.

Altogether an excellent first day on the island!

#chansinhi2017

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tinkaranrmozelliny69insuran-blog · 5 years

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samuelfields · 7 years

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Investing Lessons From A Surreal 2017

At the beginning of the year, I decided to track my investments with a detailed spreadsheet because my cash flow was increasing and I wanted to make sure the money was being properly deployed based on my risk tolerance. If I force myself to think for hours about how to invest my money, hopefully I won’t rashly spend it on completely wasteful things such as a sports car that can’t fit a baby seat or a vacation property I’ll hardly ever use.

On the flip side, ever since the housing crash I’ve had a heightened fear of losing money, especially since I haven’t had a job since 2012. It takes around three years as an entrepreneur to feel confident you won’t starve on the streets, especially if you become a parent during the process. As a result, I tended to hoard cash, which is suboptimal in a bull market.

This post will go over my investment thought process by category for 4Q2017 and conclude with some investing lessons learned about the year. The goal of tracking our investments is to try and take full advantage of a bull market in a risk appropriate way.

Financial Samurai 4Q2017 Investment Review

In summary, I mobilized a total of $2,263,319 into various investments in 2017. $750,000 of the $2,263,319 was invested in conservative investments (bonds, mortgage pay down, and home improvement) that should return 4% or more gross a year. The remaining $1,510,000 was invested in riskier assets with a target return of between 8% – 18%. My goal is to achieve a 10% total annual return, but will gladly settle for 8%.

The $2,263,319 invested was largely helped by a rental home sale in June 2017, which gave me ~$1,788,000 in proceeds ($2,740,000 sale price). Due to declining rents, expensive valuations, potentially rising mortgage rates, higher property taxes, potentially negative tax policy changes, PITA tenants, better investment opportunities, and less time due to a newborn, I thought it best to sell one of three properties in CA.

Overall, I reduced my risk exposure by $476,681 and increased my cash position by $450,000. Despite the decrease in exposure and increased balance sheet, I still have synthetic full exposure to risk assets due to $1,092,000 of remaining mortgage debt from my primary residence and vacation property rental.

Real Estate

Because I wanted to see if I could find a winter property deal, I held onto a lot of cash. I found two homes that I liked, but the sellers wouldn’t entertain my low ball offers. I wasn’t even sure I’d be happy with the purchase even if they did accept my offer because of all the maintenance and tenant issues I’d have to deal with again. For example, one home had a serious leak in the garage that kind of gave me a little PTSD from all the leaks I experienced at my old rental house.

By Dec 1, I realized I was never going to buy another property in San Francisco again, so I decided to invest another $300,000 in the RealtyShares domestic equity fund after meeting up with the team again for dinner. Since the summer, the fund invested in a flex-industrial deal in Chicago MSA, a multi-family in Phoenix, a strip mall in Orlando MSA, and a multi-family in Canyon Lake, TX.

Although a total of $800,000 in real estate crowdfunding sounds like a lot, I view it as buying a $800,000 portfolio of 12+ different properties across the country at much lower valuations and much higher net rental yields compared to having $2,740,000 in one very expensive rental property in San Francisco that is now at risk of depreciating due to declining rents and new tax legislation that limits mortgage interest deduction and SALT deduction.

The next physical property I will buy will be a primary residence in Oahu. The plan is to move back to Oahu within the next five years before my son starts kindergarten. I really like the idea of buying physical property to personally enjoy, and then renting it out years down the road if you have the funds and the desire to move. If the rental experience goes well, I’ll keep the property. If not, I’ll sell it and follow my BURL real estate investing strategy.

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

As a result, I invested more aggressively into stocks because I felt the market would respond favorably if the plan passed. Further, my desire to buy another property kept going down. Corporate earnings are estimated to get a 8% – 10% boost and small business with pass-through income might see an even larger gain.

The timing of this tax plan is fortuitous given I’ve spent 8.5 years building a lifestyle business that has now reached a level where it will benefit from tax changes. Nothing has made me more bullish than business tax reform, which is why I need to keep my emotions in check through this investment review process.

Finally, I superfunded my son’s 529 plan with $70,000 while his mom and grandma contributed $14,000 each. We figured this would be a good method to diversify contributions since once you superfund, you can’t contribute for four years. It’s good 529 plan owners have the flexibility to use the proceeds for grade school education now.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful

Bonds: A Positive Surprise

Bonds performed well in 2017 with the the long-bond index fund TLT up ~10%. My California muni bond positions are up ~3.5% + ~4.5% gross adjusted yield for a total gross gain of about 9%. Not bad given I was just looking for around a 4% gross gain.

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

If you add on the $815,000 of mortgage debt I paid off by selling my rental house, I’ll have paid off a total of $921,000 of mortgage debt in 2017. It feels fantastic to have almost a million dollars less in debt, even if the interest rate was low. By consistently paying off random chunks of extra principal throughout the year, it was easy to pay down an additional $106,646 in principal.

I’ve still got about $1,092,000 in mortgage debt to pay down between my vacation property and my primary residence. I certainly don’t need so much cash, but I want to continue legging into risk assets just in case there’s some type of downturn or a change in my lifestyle.

My plan is to pay off my vacation property mortgage by 2023. I probably won’t pay off my primary residence within five years because I need as much cash as possible to buy our future dream residence in Hawaii.

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

I’ve committed $200,000 to my friend’s second venture debt fund. They’ve called $96,219 within one year. I expect them to call the remaining $103,781 by the end of 2018. The fund’s objective is to earn a 15% – 20% IRR. Based on the performance of his first fund, a more likely return of 10% – 13% should be expected.

It felt great not having to do any home improvement projects since 1Q because we now have a baby who requires precious sleep. Any disruption of sleep would have been infuriating for all of us since my wife and I were like zombies for the first three months.

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

My biggest mistake was not being more aggressive investing in the stock market at the beginning of the year. I didn’t have as much liquid cash because I hadn’t sold my rental house yet, but it was the Trump presidency and high valuations that gave me hesitation. I wasn’t too hopeful about tax reform either.

My best move was selling a rental house for 30X gross annual rent before the SALT deduction got limited to only $10,000 and redeploying the capital in properties around the country trading at just 10-14X gross annual rent. Life feels so much better not having to deal with housing issues anymore. It’s also nice to worry less about natural disasters.

Here are several lessons from 2017 that may help you become a better investor.

1) Try to look beyond the politics and focus on fundamentals. Given I live in San Francisco, I know plenty of people who decided to pull much of their money out of the stock market at the end of 2016. They were so blinded by their hatred of Donald Trump that they missed out on huge gains.Generally speaking, deregulation and lower taxes are good for business, which is good for business investors. Further, in my mind employment was already on the upswing and interest rates would remain accommodative.

Unless our politicians actually reform laws, there is often a disconnect between how much investors believe our politicians can do and how much they can actually do. Reduce risk if you wish. But don’t get out of risk assets completely.

2) Real estate is an easier investment over stocks. How can this be when stocks just went up ~19%? Having to reinvest my home sale proceeds was exhausting. If I didn’t have weekly reminders to invest, I wouldn’t have because of the uncertainty of what to invest in, the timing of the investment, and the actual act of deploying capital. Every investment I make gives me a little bit of anxiety due to my fear of losing money and looking like a buffoon.

With real estate, despite the leverage, all you’re doing is enjoying your home or collecting rent checks (if you’re lucky). When you’re just living, you aren’t questioning every single investment you make. Therefore, for most people who are too busy to track the market, owning real estate over the long run is an easier path to wealth. Despite my terrible tenants, the $1 million of equity gain from 2012 – 2017 was the easiest investment money I’ve ever made.

If you don’t have enough money to buy real estate, then owning an S&P 500 index fund over the long term is fine too. Just know that the longer you rent, because of inflation, the longer you will regret your decision. Inflation is an unstoppable beast that will eat you alive.

3) Think in percentages over absolute dollars. Because I had never invested more than $500,000 a year in my life, having nearly $1.8M to re-invest was intimidating. But as soon as I started breaking the investment amount into percentages, deploying capital became easier.

Find out what each asset class is as a percentage of your net worth and calculate what each new invest is as a percentage of your investable assets and net worth. This exercise is particularly helpful for frugal people whose wealth has far outstripped their spending habits.

4) Stick to an investment framework no matter what. Once you’ve decided how much you can comfortably invest each month and what type of asset allocation is best for you, execute your plan without fail. It is almost always the case you will be surprised by how much you end up accumulating or how much debt you end up paying down over time.

Wrapping Things Up

Overall, according to the final weekly personal investment performance e-mail I get from Personal Capital, my public investments returned ~15% in 2017. I’m happy with the results because my total capital exposure is significant for how much we spend. Further, my goal after leaving work was to earn a 4% – 6% tailwind a year while I build a lifestyle business.

It’s really hard for me to take on more risk because of my fear of having either one of us go back to work during the crucial first five years of our son’s life. At the same time, I can’t help but want to take full advantage of the bull market while it lasts. The further I can run up the score, the bigger the buffer during the inevitable recession.

Finally, one positive surprise I experienced this year was that once I elongated my investment time horizon to 20+ years due to the birth of my son, I became much more at peace with my risk exposure. Surely by 2037, asset prices will be higher. To invest for someone’s future feels wonderful.

https://www.financialsamurai.com/wp-content/uploads/2017/12/Financial-Samurai-investing-Lessons-From-2017.m4a

Investors, how did your public investments treat you in 2017? For those of you who have retired or reached financial independence, how have you structured your investments so that you can sleep well at night while also benefitting from the bull market? Graphic by https://ckongsavage.com

The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/investing-lessons-from-a-surreal-2017/ via http://www.rssmix.com/

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ronaldmrashid · 7 years

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Investing Lessons From A Surreal 2017

Financial Samurai 4Q2017 Investment Review

Real Estate

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful

Bonds: A Positive Surprise

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

Here are several lessons from 2017 that may help you become a better investor.

Wrapping Things Up

https://www.financialsamurai.com/wp-content/uploads/2017/12/Financial-Samurai-investing-Lessons-From-2017.m4a

The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

from https://www.financialsamurai.com/investing-lessons-from-a-surreal-2017/

#Financial Samurai

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allcheatscodes · 8 years

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test drive unlimited xbox 360

http://allcheatscodes.com/test-drive-unlimited-xbox-360/

test drive unlimited xbox 360

Test Drive Unlimited cheats & more for Xbox 360 (X360)

Cheats

Unlockables

Hints

Easter Eggs

Glitches

Guides

Achievements

Get the updated and latest Test Drive Unlimited cheats, unlockables, codes, hints, Easter eggs, glitches, tricks, tips, hacks, downloads, achievements, guides, FAQs, walkthroughs, and more for Xbox 360 (X360). AllCheatsCodes.com has all the codes you need to win every game you play!

Use the links above or scroll down to see all the Xbox 360 cheats we have available for Test Drive Unlimited.

Check PlayStation 2 cheats for this game

Check PC cheats for this game

Check PSP cheats for this game

Genre: Racing, Sports Car Auto Racing

Developer: Eden Studios

Publisher: Atari

ESRB Rating: Everyone-10

Release Date: June 20, 2006

Hints

Get To The Secret Island

To get to the secret island. first go to the road that leads to the house Makapu’s Meditation but instead of turning on to that mountain road. Drive up a little further for about 2 seconds. Then turn left, drive on the mountain to the top then turn right and drive on top of the mountain a little ways (make sure you are not driving on the mountain that the Makapu’s Meditation house is on, but the one that go’s inland toward the middle of the island) then go to the top of where you are driving and you should see an island far off in the distance. Keep driving on top of the mountain until you notice a bright white icon at the end of where you are driving. If you go up close to it, it should turn out to be an “e” with things circling around it. Back up a little and drive into the “e” at around 30 mph. You should suddenly find yourself on the island where another “e” symbol is. Now you can just ride around the island and be an “elite”. It also has some pretty good sites to see.

Quick Cash

To get quick cash find a short race that pays a large prize amount. Place first on the first screen after the race is over press the (A)button to claim prize money. Then on the second screen press the (Y) button to retry the race you can do this over and over again until you have all the money you need.

Cheats

All Cars Avalible

Push start then press B, X, Y, RT, LT, X, A then push resume play and all cars will be unlocked.

Unlockables

Tuner (10)

In the Tuning Shop, buy a performance pack for your car

Explorer (40)

Explore every road on Oahu

Easygoing Tourist (10)

Drive 30 miles

Steadfast Tourist (25)

Drive 200 miles

Traveller (30)

Drive 400 miles

Seasoned Traveler (35)

Drive 1000 miles

Eagle-eyed Driver (40)

Drive 5,000 miles

Owner (20)

Have 2 houses

Real-estate Tycoon (30)

Have 15 houses

Small Collector (15)

Have 2 different cars

Amateur Collector (20)

Have 4 different cars

Confirmed Collector (25)

Have 10 different cars

Most Varied Collector (30)

Have 20 different cars

Extreme Collector (30)

Have 50 different cars

Single Player Vic. – Level 1 (20)

Win the Gold cup in 5 Single Player challenges.

Single Player Vic. – Level 2 (20)

Win the Gold cup in 10 Single Player challenges.

Single Player Vic. – Level 3 (20)

Win the Gold cup in 20 Single Player challenges.

Single Player Vic. – Level 4 (30)

Win the Gold cup in 40 Single Player challenges.

Single Player Vic. – Level 5 (40)

Win the Gold cup in 60 Single Player challenges.

Single Player Vic. – Level 6 (60)

Win the Gold cup in all the Single Player challenges.

Single Player Time Challenges (15)

Win the Gold cup in all the Single Player Time challenges.

Single Player Race Challenges (20)

Win the Gold cup in ALL the Single Player Races challenges.

Single Player Speed Challenges (10)

Win the Gold cup in ALL the Single Player Speed challenges.

Island Tour (10)

Win the Gold cup in the Island Tour challenge.

Multiplayer Vic. Level 1 (10)

Win 3 multiplayer Ranked Races.

Multiplayer Vic. Level 2 (20)

Win 15 multiplayer Ranked Races.

Multiplayer Vic. Level 3 (35)

Win 30 multiplayer Ranked Races.

Multiplayer Vic. Level 4 (60)

Complete all the missions: Top-Model, Hitchhiker, Vehicle Transport or Courier

Instant Challenge Victories (10)

Win 5 matches in Instant Challenge

Sharing Custom Challenges (10)

In the Drive In, share 3 custom challenges

Custom Challenge Victories (10)

Win 2 matches in the custom challenge Drive In

Club Member (10)

Be a member in a Club

Club Race Victories (10)

Win 3 matches in Inter-Club Races

Trade (10)

Buy or sell a car to a member in Trade

Ferrari Collector (20)

Have 3 different Ferraris

Lamborghini Collector (20)

Have 3 different Lamborghini

Mercedes-benz Collector (15)

Have 3 different Mercedes-Benz

Chevrolet Collector (10)

Have 3 different Chevrolet

Aston Martin Collector (15)

Have 3 different Aston Martin

Ford Collector (10)

Have 3 different Ford

Bike Collector (10)

Have 3 different bikes

Ben Sherman Collector (10)

Have 10 different Ben Sherman Gear

Ecko Unltd. Collector (10)

Have 10 different *ecko unltd. Gear

Easter eggs

Currently we have no easter eggs for Test Drive Unlimited yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

Glitches

Currently we have no glitches for Test Drive Unlimited yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

Guides

Currently we have no guides or FAQs for Test Drive Unlimited yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

Achievements

Currently we have no achievements or trophies for Test Drive Unlimited yet. If you have any unlockables please feel free to submit. We will include them in the next post update and help the fellow gamers. Remeber to mention game name while submiting new codes.

0 notes