The electric bill last year 2023 increased more than $1500 because we’ve changed to Electric Water Heater 4.5kWh in Dec 2022. The bill was $600 in January so we had to replace with a gas water heater to lower our bill. In NorCal, we can only use low nox water heater which costs more than …
It’s winter and it’s cold out, when mornings don’t have spare the air alert, we light our fireplace. We used to buy fire starter but they don’t work as well as dry pine cones that fell off the trees. The pine cones are amazing fire starter, they lighted up quickly with great fires.
This year the market was in bear market and many stocks pay dividend with high forward yields because the stock prices are low. This is a good opportunity for me to invest in these beaten down stocks with high dividend. When the market is back to bull, we expect the stock prices will be higher …
To keep up with inflation and grow our money, there are many ways to invest. The best is to invest in S&P500, NASDAQ, DOW ETFs. ETF is Exchange-Traded Funds. We can buy and sell ETFs just like stocks, but there are many types of ETFs, there are 1x, 2x and 3x which we can use …
To keep up with inflation, we invest in TreasuryDirect iBond which yields 7.12% this period. Although it limits only $10,000 a year for any SS, we can still buy each year. The best is to buy with many different amounts instead of one lump-sum $10k because we can’t sell the bond in parts. This bond …
