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Some Simple Tips to Start Investing

Many people are scared to start investing. Most of them cite lack of money, mistrust of financial markets or lack of money as reasons  (among others) not to start investing.  Of course it is not helpful, that financial institutions try to sell complicated financial vehicles, that the average Joe does not need nor is willing […]

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Lessons from Rich Dad, Poor Dad

I recently finished “reading” (it was a audiobook 😊) Rich Dad, Poor Dad by Robert T. Kiyosaki and was positively influenced. The book is an “easy read” / “easy listen” and compiles some easy lessons that are applicable for most.Β  In this book Mr. Kiyosaki tells a story of two father figures he had in […]

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What is our Savings Rate and how is it calculated?

One of the metrics that many financial FIRE Bloggers use to keep track of one’s financials is the so-called savings rate. The savings rate is a simple ratio that expresses how much of one’s income is put away for retirement. Our family has always been frugal, we always put money away for the future, but […]

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Goal Check 2020

It’s important to set goals, but it is just as important to track the progress to the goals on a regular basis. I have posted about our financial goals for 2020 at the beginning of the year and want to take a few minutes to see how we are doing so far. Add at least […]

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Portfolio Update – Q2 2020

Another three months have passed since the last quarterly update. With Coronavirus in full effect in America, I have decided to keep any additional investment cash earmarked for stocks in cash. It seems like the stock markets especially the S&P 500 has been too bullish, probably propped up by the U.S. Treasury. So I am […]

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One of my Biggest Investing Mistakes

As a blogger -slash- human, I have the tendency to portray myself in a better light than I really am. Please know, I am a very faulty person. I too make mistakes, a lot! So without further ado, here is one of my biggest investing mistake. Emotions = Bad Emotions are a good thing, don’t […]

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Conservative Assumptions by Swiss Retirement Planner

My dad is turning 64 this year and he has asked me to accompany him to some pension planning meetings, that he set up with his financial / retirement planner . I of course said yes. It is a good opportunity to help my dad ask the right questions, and to see how the Swiss […]

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Link Collection

SPF Link Collection #5

Nest Egg Calculator This useful website by Vanguard, let’s you quickly calculate your needed retirement nest egg. By answering how long your savings should last, how long large your savings balance is today, and how much you spend each year, you get a good estimate of how much you need to have invested to life […]

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Link Collection

SPF Link Collection #4

How the Price of Crude Oil Dropped Below 0$ Mind blowing, on Monday 21. April 2020 the price of oil fell to negative 37 USD a barrel. That has never happened and is a result of price and demand forces pushed by the financial sector. This 16 minute podcast by NPR’s Planet Money is helpful […]

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Diversification after the Coronavirus scare of 2020

I have said it before and I will say it again. I was spared from losses in the 2020 coronavirus pandemic induced market crash. As noted here and here. Short summary: I was in the middle of a broker switch from VZ VermΓΆgenszentrum to VIAC, when the market started to go down. It was complete […]