
"If you don't find a way to make money while you sleep, you will work until you die."
- Warren Buffett
Featured Posts
Last Thursday, January 16, mortgage rates climbed above 7% for the first time since May 2024. Rates fell to as low as almost 6% in September of last year before this surge. In December, the Federal Reserve (the “Fed”) lowered the federal funds rate for the third time, bringing its target policy range down 100 basis points (or 1%) from 5.25%-5.50% to 4.25%-4.50%. Following the 0.25% interest rate cut at the December Fed meeting, Federal Reserve Chairman Jerome Powell made the following comments, which cast some doubt to markets over the Fed’s future rate-cutting path:
In the fall of 2015, at the age of 25, I embarked on my real estate investing journey by purchasing a two-family home. I didn't come from a wealthy background, nor did I have extensive experience in real estate, but I had determination, a solid plan, and the support of a first-time homebuyer program. This property has since become a cornerstone of my family's financial future. In less than a decade, it has generated $275,000 in revenue, built $365,000 in equity, and allowed my wife to become a stay-at-home mom. I want to share how I was able to achieve this:
Featured Categories
-
Lawn Projects
Transforming lawns into lush, green spaces became a hobby of mine after I successfully brought in new loam and overseeded the lawn at my rental property. The results were astonishing. Over the next decade, I gradually expanded my knowledge of lawn care maintenance. As I shared my successes, numerous friends and family members reached out for guidance. Fast forward to today, and I am embarking on a journey to combine my passion for lawn care with my entrepreneurial spirit.
-
Life With Four Kids
Raising four kids has been an incredible journey filled with laughter, challenges, and countless memorable moments. It all began when I welcomed my first child and quickly realized the immense joy and responsibility that comes with parenting. Over the years, I've learned valuable lessons and developed effective strategies to manage the chaos and nurture a loving, supportive environment for my children. As I shared my experiences, friends and family often sought my advice on parenting. Today, I'm excited to combine my passion for raising my kids with my desire to help others navigate the rewarding adventure of parenthood.
-
The Real Estate Investor
Starting my real estate journey at 25 with the purchase of a two-family home was a leap of faith that paid off immensely. With no background in wealth or real estate, I relied on determination, a solid plan, and a supportive first-time homebuyer program. Over the years, this investment has become a cornerstone of my family's financial stability, generating significant revenue and equity. As I navigated the challenges and triumphs of property management, friends and family often turned to me for advice. Today, I'm excited to share my experiences and insights, helping others discover the potential of multi-family real estate investing. I will also be sharing real estate market updates along the way.
-
Investment Insights
I work as an Investment Research Analyst and proudly hold the Chartered Financial Analyst (CFA®) designation. My career in finance is driven by a passion for uncovering valuable investment opportunities and providing insightful analysis. Explore analysis and practical advice on navigating the world of investing. This page offers a varitey of content on market trends, stock evaluation, portolio strategies, and more. While I try to gear this page towards beginner investors, I encourage experience investors to share their thoughts, experiences, and tips. My goal is to help others grow their wealth and achieve their financial goals.

February 2025 has been an eventful month for the markets, with several key factors influencing the financial landscape. As I write this post after-market on the last day of February, it appears that the market will close out the month down by over 1%. The S&P 500® TR Index was down -2.86% for the month through yesterday before posting a return over 1.5% today. This likely brings the S&P 500®, which was down 0.15% year-to-date through yesterday, into slightly positive territory for the year.
Let me break down the main themes and events that have shaped the markets so far this year in a way that's easy to digest and understand.