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Entries Tagged as '401K and Money Market'

Why I don’t trade stocks

May 5th, 2009 · 2 Comments

I hold my hard-earned money in index funds, money market fund, CD and saving accounts. I don’t trade stocks because I don’t have interest/passion in tracking individual stocks. I’d rather spend time doing other things I enjoy doing. I want to have a good night of sleep every night. I don’t want to spend time […]

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Tags: 401K and Money Market · Beat Recession · Personal Finance

From ad-free blogger to #1 selling author on

March 25th, 2009 · 2 Comments

I had been a reader of Ramit Sethi’s I Will Teach You To Be Rich blog since its inception. At that time, Ramit just graduated from Stanford University. Honestly, I thought Ramit was just another one of those arrogant young graduates of top universities — how could a young college graduate with little real-world experience […]

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Tags: 401K and Money Market · Multiple Income Stream · Personal Finance

Cash, gold and gun?

March 5th, 2009 · 5 Comments

Where should we put our money? All banks in the US are in deep trouble. Citi Bank’s stock is below $1 now. JP Morgan Chase and BOA are in pretty bad shape – their balance sheets are in much worse shape that what their CEOs have been saying. Well Fargo is not much better. Bank […]

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Tags: 401K and Money Market · Beat Recession

Who are making a lot of money from the economic downturn and where do they get their financial news and analysis?

December 29th, 2008 · No Comments

Recently I had the opportunities to talk to several people who had profited tremendously from the current financial crisis. They recognized that there was a huge housing bubble, and the loose lending practices would get us into deep trouble. I guess you could call them "Dr. Dooms" — in the past year, they have been […]

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Tags: 401K and Money Market · Beat Recession

How much should I deduct for 401K, HSA, and FSA during recession?

December 24th, 2008 · No Comments

It’s open enrollment period at my company now. I need to decide how much I’m going to deduct from my paychecks in 2009 for 401K, Health Saving Account (HSA), and Flexible Spending Account (FSA). In the past, I have always maxed out 401K deduction to take advantage of the tax saving benefit. I’ve also put […]

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Tags: 401K and Money Market · Beat Recession

A great investment book that teaches you how to think

November 11th, 2008 · 1 Comment

What is the single most important lesson you have learned from the current financial crisis? Here is what I’ve learned: You cannot trust media, gurus, financial advisors, real estate agents, banks, mortgage brokers, etc. There is way too much noise out there in the market. And a lot of people are trying to make money […]

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Tags: 401K and Money Market · Beat Recession

Fed fund rate is at 1% now. What will Fed do next? Cut it to 0%?

October 31st, 2008 · No Comments

This past Wednesday Fed cuts its benchmark interest rate target by 50 basis points to 1%. I’m wondering what will happen next. Given the direction our economy is going, Fed probably needs to keep cutting its rate. But, it’s already 1%. How much more can they cut? It’s actually conceivable that the Fed will cut […]

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Tags: 401K and Money Market · Beat Recession