For over half my life, I’ve been involved in the real estate industry as both an investor and a landlord. When it comes to home improvement, I’ve learned a great deal about what works and what’s simply regrettable. It’s often the case that the most tempting upgrades and investments turn out to be the least…
In today’s fast-paced world, understanding credit cards is crucial. Credit cards often come with misconceptions. For budget-conscious families, debunking these myths is essential. I’m going to debunk credit card myths in this article. But why listen to me? I am a Chartered Financial Analyst with more than 20 years of experience in Financial Services. I…
Buying your first home is an exciting journey filled with big dreams and new possibilities. It’s a major step towards building your future and creating a space that truly feels like your own. But let’s face it, this adventure can also be pretty scary and overwhelming. There’s a lot to learn, and making mistakes can…
When I retired at 42 in 2021, I discovered the concept of Financial Independence Retire Early, also known as FIRE. Even though I had already reached financial freedom, understanding the mindset behind FIRE helped me reflect on the steps I took and how others can do the same. The FIRE movement is more than just…
When it comes to buying or selling a home, the inspection process can make or break the deal. It’s the moment where hidden flaws come to light, turning what seemed like a dream home into a potential headache. With over 20 years of experience as a real estate investor and landlord, I can confidently say…
When you hear about inflation, your first thought probably isn’t, “Oh great, how can this work to my advantage?” After all, inflation has a reputation for eroding purchasing power and making life more expensive. But hidden within this economic curveball are surprising opportunities that can actually boost your financial game. With a little shift in…
In the digital age, where advice is as plentiful as it is varied, discerning the worthwhile from the worthless is crucial, particularly concerning your finances. I am a Chartered Financial Analyst with more than 20 years of experience in Financial Services. I actually retired young, so I decided it’s time to dispel 13 common financial…
Buying a home is one of the most exciting decisions you’ll ever make, right? It’s also one of the most expensive, if not the most expensive. Many people spend months planning their budgets, comparing mortgage rates, and saving for a down payment, but that’s just the tip of the iceberg. Being a real estate investor…
Many homeowners don’t realize how much damage common kitchen waste can cause to their plumbing. A small clog might seem harmless at first, but it can quickly turn into a serious problem. As a landlord with over 22 years of experience, I’ve seen it all when it comes to plumbing disasters. The repair costs have…
When buying a house, many people are aware that they can negotiate the price. Some might even consider asking for a home warranty to be included in the deal. Home warranties are a common negotiation point because agents often receive commissions for selling them. But here’s the thing: you can negotiate much more than just…
Becoming a millionaire might seem like a distant dream for many, but the truth is, it’s more attainable than you might think. Contrary to popular belief, most millionaires didn’t inherit their wealth, nor did they necessarily attend prestigious universities or possess extraordinary investment skills. Instead, they built their fortunes through smart financial decisions, discipline, and…
When I was a teenager, I made a life-changing decision. I decided I wanted to retire young, not because I dreamed of lounging on beaches or traveling the world, but because I wanted to be an engaged dad. My motivation came from my childhood and the complicated relationship I had with my own father. My…
When I retired at 42, it wasn’t a sudden decision or a stroke of luck. It was the result of over two decades of careful planning, intentional living, and a commitment to financial independence. Retiring early wasn’t just a goal, it was a way of reclaiming my time and shaping a life centered on what…
Ever wondered how you could achieve financial freedom without waiting until you’re 65? Or how you could work less now, but still retire comfortably later? That’s exactly the kind of balance Coast FIRE offers. Unlike traditional financial independence plans that demand strict savings and intense frugality, Coast FIRE invites you to save with intention early…
At the ripe age of 42, I left my professional career and stepped into a life of Financial Independence Retire Early (FIRE). Interestingly, when I started crafting my own financial independence plan as a teenager in the mid-1990s, the term “FIRE” wasn’t even on the radar. However, the dream of buying one’s way out of…
As a Chartered Financial Analyst with over 20 years of experience in real estate investing and financial services, I’ve seen firsthand the financial advantages of owning a home versus renting. I have rented to hundreds of families over the years and I’ve seen thousands of applications from tenants to rent. I have also owned homes…
