personal finance
Finance Fridays
Here is the April 2019 TSP Newsletter and this week’s articles:
3 Retirement Saver Portfolios for Minimalists
7 Unexpected Habits Of A Frugal Millionaire
10 Things Form ADV2 Reveals and How it Can Save You Millions
Annualized Returns By Asset Class From 1999 – 2018
A Three Fund Portfolio Keeps Getting Cheaper!
Don’t put all your Easter eggs in one basket: Diversify
Financial Independence: The Escape Hatch to Burnout
How I learned to stop worrying and love market volatility
How to Design Your Personal Glide Path
How To Test Drive The RV Lifestyle
Investing in Opportunity Zones: What’s This Amazing Opportunity All About?
SEC Charges Two Robo-Advisers With False Disclosures
SIX PERCENT IS THE NEW FOUR PERCENT
Finance Friday Articles
Here are this week’s articles:
Are Timeshares Worth The Money In The Long Run?
Debt Free by Forty: Why I Chose to Pay Off My Mortgage
How To Become Wealthy On A High Income
How to Keep Track of Your Net Worth: Review of Personal Capital
How to Manage Your Money: 3 Principles from JL Collins
The Doctors Guide to Thriving in Locum Tenens
The Long-Term Cost of Investing in the Wrong Index Fund
The Second Million – Why the Rich Get Richer
What’s Keeping You from Financial Freedom?
Yield Curve Inversion: Eight Reasons Why I’m Not Worried Yet
Finance Friday Articles
Here they are:
Budgeting That You Won’t Hate: Backwards Budgeting
Build Your Real Estate Portfolio with the BRRRR Method
CAN’T AFFORD THE LIFE INSURANCE POLICY YOU NEED? A CREATIVE SOLUTION YOU CAN’T MISS
Financial Independence on a Low Income
Five Tips for Women in Male-Dominated Fields
Gender Gaps In Physician Pay: Why?
I Love My Job, But I am Burned Out
Is Buying a House a Good Idea?
Move Over 1% Adviser Fee: Change Is Here!
Physician Mortgage Loans—What’s New For 2019?
Real Estate vs. The Stock Market
Schwab Switching to Subscription-Based Fee in Netflix-Like Move
Target-date funds are getting more personal
The 4 Career Mistakes Both Doctors And Baseball Players Make
When Telemedicine Opens More Than One Door
You Are the Average of the Five Physicians You Spend the Most Time With
Finance Friday Articles
Here they are…
5 Traits Doctors Share with Successful Entrepreneurs and Investors
15 vs 30 Year Mortgage: Which is the Best Choice?
529 Plans: What You Need to Know About College Savings Plans
Building Wealth While Living in an Expensive Neighborhood
COMPREHENSIVE GUIDE TO DISABILITY INSURANCE: WHAT EVERY PHYSICIAN NEEDS TO KNOW
Is Buying a House a Good Idea?
The 5 Benefits of Financial Freedom
Your home may be an investment but don’t expect it to fund your financial goals
Finance Friday Articles
Here they are…
Aim High? DoD researching marijuana investment policy
Is Long-Term Care Insurance A Waste of Money?
Maximize Your Dead Time For a New Approach To Life
The Different Levels of Wealth Explained in Simple Terms
Vanguard ETFs Or Mutual Funds?
Finance Friday Articles
Here are this week’s articles:
4 Things I Gave Up to Retire Early
7 Guidelines for Adding New Asset Classes to Your Portfolio
How To Figure Out Your Financial Freedom Number (and What To Do Next)
Is it OK to take money out of my retirement account to buy a house?
Review of The White Coat Investor’s Financial Boot Camp
Student Loan Forgiveness – PSLF, IDR, & Much More
The Backdoor Roth: Investing in a Roth IRA for High Earners
Top Money Books Millionaires Read
Finance Friday Articles
This isn’t a finance article, but it is really good:
How I’ve Made Email my Secret Weapon
Here are this week’s finance articles:
Can I Transfer Retirement Funds Into My Thrift Savings Plan?
Environmental, Social, and Governance (ESG) and Impact Investing Pro/Con
Five Things That Need to be Said About Passive Income
How Much Money Do Doctors Make & Why It Doesn’t Matter
How to Become Financially Free from a Job You Hate
Three Favorite Ways To Earn Money And Pay Less Taxes
Finance Friday Articles
Here are this week’s Finance Friday articles:
3 Questions That Will Get Your Finances — and Life — on Track
7 Secrets To Financial Freedom Every Doctor Should Know
10 Financial Tips for New Attending Physicians
How to Make the Most Out of Your Emergency Fund
Is Your Risk Tolerance Too High?
New year, new tax laws. But what’s really different?
My White Coat Investor (@WCInvestor) Guest Podcast and Finance Friday Articles
Here’s a link to my guest spot on the White Coat Investor site and podcast:
Being a Military Doctor – Podcast #92
Here are this week’s articles:
4 Simple Ways to Include a Pension in your FI Plan
4 Ways to Accelerate the Power of Compound Interest
10 Things More Productive Than Whining About Job Satisfaction (and the doctors who did them)
Emergency Fund: How Much Should I Save?
How To Overcome The 5 Barriers To Financial Success For High-Income Professionals
I am a Doctor and I Hate My Job: The Cure for Burnout
I am Burned Out Now What? Causes and Solutions
Putting All Your Eggs In One Basket
Stop Thinking Like a Dog, It’s Killing Your Future!
The case for global equity investing (and a happy marriage)
Free Personal Finance Book, Changes to the TSP L Funds, and Finance Friday Articles
The Physician Philosopher is offering his new book, The Physician Philosopher’s Guide to Personal Finance, for free if you sign up for his e-mail list. I haven’t read the book yet, but his blog posts are quality which portends well for the book.
Here is the Jan – Feb 2019 edition of the TSP Highlights newsletter. It mentions the changes to the Lifecycle funds that started last month and will give them a more aggressive asset allocation. They include:
Effective in January 2019, we will increase exposure to international stocks (the I Fund) from 30% to 35% of the overall stock allocation in all L Funds. The L Income Fund stock allocation (C, S, and I Funds combined) will increase from 20% to 30% over a period of up to 10 years. The L 2030, L 2040, and L 2050 overall stock allocations will hold steady for a period of years before resuming their transitions from stocks to bonds. In addition to improving investment outcomes, this pause will align the L 2030, L 2040, and L 2050 Funds with the L 2060 Fund, which will be introduced in 2020 with an initial stock allocation of 99%.
Here are this week’s personal finance articles:
7 Risks of Investing in Real Estate
Military tax tips: New tax law is (mostly) good news
Should You Invest in Real Estate Over a 401(k)?
Stocks Got You Down? How to Stop Worrying
Stop Whining About Job Satisfaction
Student Loan Management When Both Spouses Work
The Reality of Real Estate Investing: It’s Not as Easy as It Seems
Why the Future of Life Insurance May Depend on Your Online Presence
Joel Schofer's Career Planning Blog 