X Posts
Do Not Move Just to Save Taxes: Real Financial Freedom Means Living Where You Want
A reader asks whether moving to a no-state-tax area after retirement is the right plan, and James reframes the question around life quality and asset growth.
X Posts
Finance's Biggest Secret: Using Other People's Money Really Is Possible
A reader reports on Taiwan bank stock-collateral loans and personal credit loans, showing how assets, credit, and normal interest payments can create liquidity.
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I Lost NT$850,000 and Still Smiled: After My Mindset Changed, I Chose Stocks Over Property
After learning CLEC's investment ideas, a reader decides to forfeit NT$850,000 on a presale home, sell property, and invest the proceeds in stocks.
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Letting Go of Anxiety About Children Is a Parent's Most Precious Gift
A parent in Vancouver shares anxiety about her son's future, then reflects on how James's reply helped her release control and focus on health and relationship.
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Shocking: A 16-Year Life Insurance Policy Returned Only 0.64%
After realizing a 16-year life insurance policy had earned only 0.64%, a reader surrendered the policy, moved into 00662, and asked James about allocation.
James: History and Today
Chapter 97: How to Judge Funds and Distinguish Good From Bad
To compare fund expense ratios, it makes more sense to compare between funds of the same profile and type. For example, comparing QQQ to Fidelity Vanguard Charles Schwab's index funds is inaccurate. This is because there are no index funds focusing on QQQ (Nasdaq 100), that is, their fund names are not Nasdaq 100 Index Fund. Therefore, if you refer to an index, you must clearly mean