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Real Estate Hi, If you want to have passive income and have the cash right now I would suggest real estate. I am seeing some unbelievable deals right now where you can pay cash down and have positive cash flow the very first day. There is a deflationary concern right and in that kind of...

some thoughts Hi, If you can let us know which state u are it helps. Pls looks at vanguard tax free fund . It has a yield of 4.6% which is more than what u are paying. Look at WAMU CD's they are paying 5% . Deposit at the highest paying CD is what i can say. With about 20000 invest it in MLPs...

why we are in trouble Hi, There is a huge manipulation market going on here. The chinese have a lot of the money caught up by buying treasuries. They are basically manipulating the rate . The issue is that gold needs to be bought back and created scarce of rather than paper money . The US...

numbers :) Hi, Bongo2 -- what would be a good number that you can throw out . The reason i am going for numbers .. Warren Buffet said not to expect more than 6% going forward . Everything else being the same -- based on how much u save thats how fast u can retire. Based on that i think 50k a...

thanks Hi, Thanks for all the encouragement thrown out. The reason i am able to sock away so much if we dont have kids right now. Once the kids come along there will definitely be a reduction in the savings. We are looking to start a family in 2 years but really want to sock away as much as we...

I think there is a confusion Hi, I think there is a question that i created with my post. I believe i mentioned that my DW and me spend 1300 per month in expenses. So annually we need = 1300* 12 = 15600 + 4000 ( misc). = 19600. With a kid i am not sure how much it will go up. Right now i...

Hi, I have been thinking and trying to work out the numbers. Maybe some of you can help me. How much does one put away each year . I would like to FI by 40 . I understand compounding plays a part but how much??? My calculation right now for married is 40K right now. How much should i aim to...

I agree to charge employers but only above a certain number of employees ( i am self employed so why should i pay more if there are no employees :))). Also i think they need to get rid of SSN and basically say .. save for urself and dont make others save for u. This concept of government help...

Dont change anything Hi, Well there are multiple ways to dublin and you had chosen one , that of dividend strategy. Not every strategy is always positive. Dollar is at a low right now. lets say u make the transistion to international and US dollar rises what is your reaction. What you have...

you need to decide Hi, Every financial investment has risk and so does CEF. You need to understand the manager and also its your choice whether you want leverage or not. Then comes the headache of deciding if there is ROC or ROI and that means SEC filings . It also reduces your total return...

kind words Hi, Wanted to thank for the kind words and encouragement. Can someone show me a calculator that based on a retirement figure and a return of 7% how much of principal do we need to putting into the market . That would give a very good figure to aim for and based on the market...

thanks for encouragement Hi, Wanted to thank everybody here for the support and kind words. I jumped into the housing market at the wrong time but i am sure everything will work out in time. Lot of commercial buildings coming near by so when the market recovers i am expecting a lot but lets c...

some of my list Hi, Just started DRIPS but here are some : MO , JNJ , GE , MMM , APU , MMP . Have about 22 stocks not huge positions but diversified and a lot of them are more high dividend than dividend growers . Expecting 3-10% growth but if i get 5% will be great since current avg...

thanks for explaining Hi, Thanks for explaining this. I didnt know how to compute networth and since right now if I sell the house i wouldnt make a dime i didnt consider it part of my networth. Atleast now i can concentrate on getting to a better position faster. thanks amit *** lets get...

Hi, Thanks for replying. The issue i am having is that the house was bought in the last 2 years and as we now know the house prices are decreasing rather than increasing so there is no equity built except for the 25% that has been put down. I am not sure how i have a positive nw unless i am...

Hi, I have been reading these forums from 1 week and now i am really tensed about our retirement and other financial aspects. DW and myself have saved about 150k in taxable and around 70k in various tax defered accounts. I am self employed and hence 401k is less and taxable income is more. I...