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Arbitrage Series: Can you Time the Market? Yes.

Arbitrage Series: Can you Time the Market? Yes.

That is, if you’re Max-Hervé George and a select number of other people. They can time the market perfectly. From 1997 to 2007, George grew his portfolio at an annualized rate of 68.6 percent. He’s unsure about post-2007, because the validity of the contract is still in litigation. But as it stands, yes, he and a select few can actually arbitrage, or time the market. So, where do I get an arbitrage contract? Imagine if someone offered you a contract in…

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3 decades later and the Nikkei has not recovered — Will the SP500 do the same?

3 decades later and the Nikkei has not recovered — Will the SP500 do the same?

Every time someone (myself included) says that the SP500 will probably average 8-9% because it’s been dong so historically, I cringe slightly. Sure, I believe it too, but that little voice in the back of my head says, “Olivia, what about the Nikkei?”. Please note that the below article is purely my opinion and by no means fact. I am not a financial advisor and I don’t know what will happen to the market. I could be completely wrong in…

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Top 8 Posts of 2017

Top 8 Posts of 2017

Though this blog is a baby bird still in its nest, I still want to celebrate the wins this blog has had over the past year! So here’s a list of the top 8 posts of 2017 :). Enjoy! 1. Hustle In Your 20s To Be Financially Independent In Under 10 Years I did the math behind how much faster you could retire if you took up a side hustle. There’s a limit to how much you can save on…

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Vanguard Target Retirement Funds vs. DIY Admiral shares

Vanguard Target Retirement Funds vs. DIY Admiral shares

If you’re a beginner or a passive investor, you want a diversified portfolio so you can passively invest and not have to worry about it. Don’t want to keep your eye out on the market? You probably want to be a passive investor. If you’re in a low tax bracket, it might not be worth it for you to do tax loss harvesting manually. But if you’re putting your money in Vanguard, you’d have to do your tax loss harvesting…

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FI/RE for Non-US residents: Currency Hedged SP500 Funds

FI/RE for Non-US residents: Currency Hedged SP500 Funds

The other day I was on Reddit and someone had said his advisor told him there weren’t any ways to hedge against a USD ETF. This particular person’s home currency was the Euro, which is why I was so annoyed at the advisor. This was immediately a red flag, as most advisors should be aware of such a product, or at least be able to Google it and see an answer on the first page of their search. If you want…

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Citibike Savings Review: Save $1,000, burn 15 pounds, and 112 hours in transport time every year

Citibike Savings Review: Save $1,000, burn 15 pounds, and 112 hours in transport time every year

When I first moved to NYC, I remember being told over and over that it had one of the best subways in the world. It is pretty convenient, but over the years there have a been a bunch of times where the train broke down, or the next train didn’t come for the longest time. Well, a CitiBike is available all the time, and saves considerable time and money. I mostly walked as everything I usually went to was within…

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The 401k match, free money and 100% return!

The 401k match, free money and 100% return!

  Have you ever read your benefits package? It’s kind of fun. You see all sorts of cool things that most people never take advantage of. My favorite? The 401k match. Free money for you! Do you know what your 401k match is? If not, you need to find out. It’s an AMAZING way to get a 100 percent return, or at the very least free money. You can ask your Human Resources department for your benefits. In large firms,…

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How a 22 year old can easily save an extra 500k+ with one change.

How a 22 year old can easily save an extra 500k+ with one change.

Have you ever done the math on how much drinking cheaper coffee will save you over the long term? It’s mind boggling. If you are 22, and you drink coffee 7 days a week, it will cost you 583K if you plan to retire at 65.  I like spreadsheets. They provide crystal clear answers. So, I made one on how much coffee costs me. A couple of years ago, I began thinking of financial transactions in my life through monthly cost,…

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