I am buying emerging markets thanks to the trade wars

The emerging markets’ valuation seems appealing due to the trade wars and a strong dollar. Trump started trade wars on multiple fronts in early 2018. The Sino-US trade war is the most noticeable one. In May 2018, he announced imposing 25% tariffs on 50-60 billion of Chinese exports. China retaliated…

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How we reduce our cooling costs

One of the big recurring expenses in a household is cooling. The average temperature in the summer here is 80 F° and humidity hovers around 80%. There are around 2 months per year with highs above 90 F°. Our monthly cooling bill spikes to around $115 in the summer from early…

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How we keep our car ownership costs down

Cars are indispensable in the US. Most households have at least one car. They are big ticket items that can be a drain on your wallet if you do not manage them carefully. People waste a lot money on car leasing,over-buying and frequent car upgrading. Today, I would like share…

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How we slash our heating bills

One of the big recurring expenses in a household is heating.Today, I would like share a few tips that have helped us cut down our energy consumption considerably. Our average monthly heating bill is $35 for a household of 4 living in an energy efficient 2000 square foot home.     We…

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Achieve financial freedom and escape the rat race

Most people work a job because they have bills to pay.  Most jobs are meaningless other than providing financial security. Would you still want your current job if money were no issue?  That is a simple test. There are 3 types of employees. One works on something meaningful and enjoys…

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