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Use your company’s blog posts to opine on current industry topics, humanize your company, and show how your products and services can help people.

Investing Tips for Current Times: Make 4% or More For Sure

Yesterday I had an opportunity to talk to a CEO of a wealth management company. She manages millionaires’ wealth and I assume her company must be doing well because she was traveling first class.

Since I had an opportunity to talk to her, I asked her if she can give some quick free advice on where to invest money in these tough economic times.
Her reply was

  1. Stay and invest in the stock market if you have more than 8 years to retires
  2. Invest in bonds if you want to retire in less than 8 years
  3. Pay off your mortgage it is a sure way to make 4% or more (i.e. you won’t have to pay interest on your mortgage).
  4. Look into real estate for investing, though it might see some more downward pressure in near future.

What do you think?

My Expereince with Micro-lending

indexI have heard about Micro-lending i.e. lending small amounts of money to individuals.  There are several online platforms that allow you to lend money to people/small business around the world.  You get the benefit of not only helping people in need but also make better interest than letting your money sit in the bank.

I will be writing a series of blog post about my journey in Microlending, as a lender.  I did a quick random survey and found out that will be a good option to try it.

So I signed up with them and invested $500.00 in the beginning and then I will be seeding it with $25 every other week.  I will post about my experience on this blog.

So far I have contributed $525.00

Have you invested in Lending Club or any other microlending site?  Share your thoughts.


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Withdrawing Money from Roth IRA

Simple answer is Yes.  Yes you can withdraw money from your Roth IRA whenever you want, however there might be penalty based on how much you withdraw before you turn 59.5 years.

After 59½ years old, and at least 5 years since you begin contributing, you can take “qualified distributions” without penalty.

You may withdraw your original contributions penalty-free at any time for any reason, but you have to pay a penalty on withdrawing investment earnings before age 59.5 year, Money that was converted into a Roth IRA cannot be taken out penalty-free until at least five years after the conversion.

Here is an example: Let’s say you have $100,000 in Roth IRA, $50,000 of which are contributions and $50,000 of which are investment earnings. If you withdraw $50,000, then IRS will consider $50,000 and there won’t be any penalty.  However if you withdraw $55,000 then $50,000 is penalty free and you will have penalty on $5,000.

Welcome to

This blog is a collection of my random thoughts on living life to fullest and enjoying every but of it while make money.  I will share about my achievements, lessons I learned and how you can benefit from them.

I came to this country about 20 year ago with almost nothing. I did not even have 15 cents to pay for bus ride, well now I have a house and nice cars.

I would love to hear your thoughts as well.