Do I just reach Financial Independence?

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Do I just reach Financial Independence? When I first heard of the term” Financial Independence,” the questions come to my head immediately are: What exactly is financial independence? How much net worth or income do I need to accumulate or generate to be financial Independence? Here was what I found out……. Financial independence means one has sufficient personal wealth to… Read more »

Be an Index Investor or Angel Investor?

Be an Index Investor or Angel Investor? Investing for cash flow, should you be an Index Investor or Angel Investor? It depends. Yes, it really depends on your goal, capital, risk appetite, and return expectation. Most investors are investing either ways or both through the life time. What’s an Angel Investor? Per Wikipedia, an angel investor or angel (also known… Read more »

Cash Flow from US Total Market

If you invest in US total stock market, how much cash flow will you approximately receive? Let’s use Vanguard Total Stock Market ETF (VTI) as an example. Assume you invest $10,000 on January 2002, all the dividends are reinvested through the period of 2002-2015. The total return and dividend incomes looks like the following. The dividend yields are between the… Read more »

Three Key Documents You Need to Know as Private Lender

Once you decide who and how much you want to lend as a private money lender, what do you need to know? You need to know your numbers and documents. I have briefly discussed about the numbers in here.  Let’s talk about the documents now. There are tons of papers when it comes to loan documents. Remember when you took… Read more »

How to Earn $25K Passive Income as a Private Lender

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How do you earn $25K passive income? Passive means that you are not trading the hour for the dollar. It means that you also collect the cash flow regardless you are working or sleeping. There are various ways to earn passive incomes. Investing in bonds, you collect interests. Investing in stocks, you collect dividends. Investing in rentals, you collect rents…. Read more »

About

Working Bee   April 22, 2016   No Comments on About
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I am a working bee in corporate world. In my early years, I picked few stocks here and there for investing. That didn’t turn too well in 2000. Then I focus on career advance after completed my MBA and CPA. During that time, every single paycheck goes to saving and then CD, I have totally forgot about “ investing.” I… Read more »

Be A Landlord or Lender?

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Investing for cash flow, should you be a landlord or lender? It depends. Yes, it really depends on your goal, risk appetite, and return expectation. You can be both since it works perfectly well with one and another. Real estate rental naturally comes to mind when one thinks about passive income and cash flow. I am no exception. Imagine the… Read more »