“But to say that a man is a fiduciary only begins analysis; it gives direction to further inquiry. To whom is he a fiduciary? What obligations does he owe as a fiduciary? In what respects has he failed to discharge these obligations? And what are the consequences of his deviations from duty?” – Justice Felix Frankfurter, SEC [...]

In 2018, the Golden State grew by 186,807 people, according to data released by the state last week. That represents the represents the slowest growth in the state’s entire history, a meager 0.47 percent increase over the year before. Thursday, Tina Daley, who heads demographic research for the state’s department of finance,  said the slow growth wasn’t surprising. Some are moving out [...]

Many people enter the real estate investing business for the financial benefits this market offers – it’s no secret that the whole point of purchasing investment properties is to make money through appreciation or rent in the years to come. No successful real estate investor enters the market without establishing an efficient business model (plan) – hence, having [...]

Tony Robbins wrote: “Most people never feel secure because they are always worried that they will lose their job, lose the money they already have, lose their spouse, lose their health, and so on. The only true security in life comes from knowing that every single day you are improving yourself in some way, that you are [...]

What to do with the extra money you have at the end of the month. That’s called Discretionary income. Disposable income is a person’s take-home pay used to meet both essential and nonessential expenses. Discretionary income is what is left over from disposable income after the income-earner pays for rent/mortgage, transportation, food, utilities, insurance, and other essential costs. Discretionary [...]

Pause for a moment, wherever you are and check-in with yourself with these questions, “Do I feel stressed? Am I unhappy?  Do I feel I have no time for my family? If you answered yes to these questions, your work-life balance is unhealthy. “Work-life balance is a concept that describes the ideal of splitting one’s [...]

Jussi Askola writes in Seeking Alpha, “Rental properties are very popular among income investors and retirees. How do I know? All my rental-related articles receive a lot of comments and attention. Especially in 2019, as the stock market is still hovering near all-time highs and bonds are yielding very little – I believe that rental property [...]

Do I really need a Building Permit? This is a question many people may ask themselves when planning alterations to their home. They are just rolling the dice if they don’t pull building permits. There are dangers of unpermitted improvements. Dangers of Unpermitted Improvements Some homeowners are finding when they try to sell or refinance [...]

Few of us can retire at 35 and live for the next 45 years just playing golf and traveling the world, or even living on an island with our feet in the sand enjoying the sun. However, many of us do dream of retiring early in our 50s. What holds us back from realizing that [...]