Tinneke Putri, CFP®
@tpoet.bsky.social
Financial literacy for all | Old school, no Luddite, a pupil in a class called Life | Kindness & generosity are 💪| Anthony de Mello SJ got it | My happy place 💙 St James
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Tinneke Putri, CFP®
@tpoet.bsky.social
· Nov 12
Oscar Wilde on valuation:
What is a cynic?
A man who knows the price of everything, and the value of nothing.
And a sentimentalist... is a man who sees an absurd value in everything and doesn’t know the market price of any single thing.
— Oscar Wilde, Lady Windermere's Fan
What is a cynic?
A man who knows the price of everything, and the value of nothing.
And a sentimentalist... is a man who sees an absurd value in everything and doesn’t know the market price of any single thing.
— Oscar Wilde, Lady Windermere's Fan
For younger, healthy singles with no dependents, HSA seems to be the one, et ceteris paribus 👍
www.kitces.com/blog/ben-dob...
www.kitces.com/blog/ben-dob...
www.kitces.com
March 10, 2025 at 1:54 AM
For younger, healthy singles with no dependents, HSA seems to be the one, et ceteris paribus 👍
www.kitces.com/blog/ben-dob...
www.kitces.com/blog/ben-dob...
I wish more financial planners warn their clients about this - just say "no" to RE Syndication
Three reasons -
huge upfront investment (typically >$25,000), illiquid, complex legal/tax setup
Don't get entangled
If you want RE exposure, consider RE ETFs
👇 @olsonplanner.bsky.social
Three reasons -
huge upfront investment (typically >$25,000), illiquid, complex legal/tax setup
Don't get entangled
If you want RE exposure, consider RE ETFs
👇 @olsonplanner.bsky.social
February 20, 2025 at 5:48 AM
I wish more financial planners warn their clients about this - just say "no" to RE Syndication
Three reasons -
huge upfront investment (typically >$25,000), illiquid, complex legal/tax setup
Don't get entangled
If you want RE exposure, consider RE ETFs
👇 @olsonplanner.bsky.social
Three reasons -
huge upfront investment (typically >$25,000), illiquid, complex legal/tax setup
Don't get entangled
If you want RE exposure, consider RE ETFs
👇 @olsonplanner.bsky.social
6.5% interest rate for 10-year Treasury this year
To you, is this possible?
To you, is this possible?
January 25, 2025 at 6:57 AM
6.5% interest rate for 10-year Treasury this year
To you, is this possible?
To you, is this possible?
How a medical procedure cost is calculated in the US is opague
You never know how much your final out-of-pocket costs will be
Having a health insurance doesn't save you from paying far far more than an estimated price for a common procedure
Isn't that crazy?
kffhealthnews.org/news/article...
You never know how much your final out-of-pocket costs will be
Having a health insurance doesn't save you from paying far far more than an estimated price for a common procedure
Isn't that crazy?
kffhealthnews.org/news/article...
He Went in for a Colonoscopy. The Hospital Charged $19,000 for Two. - KFF Health News
A man in Chicago with a troubling symptom underwent a common procedure. Then he wanted to know why the hospital charged nearly three times its own cost estimate.
kffhealthnews.org
December 28, 2024 at 8:25 PM
How a medical procedure cost is calculated in the US is opague
You never know how much your final out-of-pocket costs will be
Having a health insurance doesn't save you from paying far far more than an estimated price for a common procedure
Isn't that crazy?
kffhealthnews.org/news/article...
You never know how much your final out-of-pocket costs will be
Having a health insurance doesn't save you from paying far far more than an estimated price for a common procedure
Isn't that crazy?
kffhealthnews.org/news/article...
Star of the East
by Eugene Field
Star of the East!
Show us the way
In wisdom undefiled
To seek that manger out and lay
Our gifts before the child—
To bring our hearts and offer them
Unto our King in Bethlehem!
Have a jolly Christmas, everyone!
by Eugene Field
Star of the East!
Show us the way
In wisdom undefiled
To seek that manger out and lay
Our gifts before the child—
To bring our hearts and offer them
Unto our King in Bethlehem!
Have a jolly Christmas, everyone!
December 25, 2024 at 1:28 AM
Star of the East
by Eugene Field
Star of the East!
Show us the way
In wisdom undefiled
To seek that manger out and lay
Our gifts before the child—
To bring our hearts and offer them
Unto our King in Bethlehem!
Have a jolly Christmas, everyone!
by Eugene Field
Star of the East!
Show us the way
In wisdom undefiled
To seek that manger out and lay
Our gifts before the child—
To bring our hearts and offer them
Unto our King in Bethlehem!
Have a jolly Christmas, everyone!
If approved, this type of savings account is powerful
A Universal Savings Account -
annual post-tax contributions of up to $10,000
tax-free withdrawals at any time for any purpose, without tax or penalty
phased out for single fillers with MAGI of $200,000 (MFJ $400,000)
A Universal Savings Account -
annual post-tax contributions of up to $10,000
tax-free withdrawals at any time for any purpose, without tax or penalty
phased out for single fillers with MAGI of $200,000 (MFJ $400,000)
Universal Savings Accounts Are Like Roth IRAs, But With a Twist
Universal Savings Accounts are a new type of tax-advantaged savings account proposed by Republican lawmakers and conservative think tanks. Think Roth IRAs, but not just for retirement.
www.kiplinger.com
December 16, 2024 at 5:24 AM
If approved, this type of savings account is powerful
A Universal Savings Account -
annual post-tax contributions of up to $10,000
tax-free withdrawals at any time for any purpose, without tax or penalty
phased out for single fillers with MAGI of $200,000 (MFJ $400,000)
A Universal Savings Account -
annual post-tax contributions of up to $10,000
tax-free withdrawals at any time for any purpose, without tax or penalty
phased out for single fillers with MAGI of $200,000 (MFJ $400,000)
An annuity with an annual increase matching the average long-term inflation rate, say 2% 🤔
www.marketwatch.com/story/i-want...
www.marketwatch.com/story/i-want...
I want a retirement-income solution with a 100% chance of success
New retirement research suggests a drawdown strategy that can get pretty close, but it’s not close enough for me
www.marketwatch.com
December 15, 2024 at 1:22 PM
An annuity with an annual increase matching the average long-term inflation rate, say 2% 🤔
www.marketwatch.com/story/i-want...
www.marketwatch.com/story/i-want...
Plus, they need to increase income 👍
December 14, 2024 at 2:54 AM
Plus, they need to increase income 👍
Agree!
Likewise, for me, money is a tool -
to let us say "yes" or "no" at our own terms
to free time to do things important to us
to help people in need, and not just family and friends
Likewise, for me, money is a tool -
to let us say "yes" or "no" at our own terms
to free time to do things important to us
to help people in need, and not just family and friends
December 12, 2024 at 12:26 AM
Agree!
Likewise, for me, money is a tool -
to let us say "yes" or "no" at our own terms
to free time to do things important to us
to help people in need, and not just family and friends
Likewise, for me, money is a tool -
to let us say "yes" or "no" at our own terms
to free time to do things important to us
to help people in need, and not just family and friends
The most important use of math for your financial life 👇
December 11, 2024 at 11:01 PM
The most important use of math for your financial life 👇
In your opinion, what is the #1 advantage of financial independence?
For me, it's the freedom to say "no" (or "yes") in my terms
For me, it's the freedom to say "no" (or "yes") in my terms
December 7, 2024 at 9:52 PM
In your opinion, what is the #1 advantage of financial independence?
For me, it's the freedom to say "no" (or "yes") in my terms
For me, it's the freedom to say "no" (or "yes") in my terms
Two things cause a stock to move - the expected and the unexpected
— Gary Helms
— Gary Helms
December 7, 2024 at 11:20 AM
Two things cause a stock to move - the expected and the unexpected
— Gary Helms
— Gary Helms
How do we know when irrational exuberance has unduly escalated asset values, which then become subject to unexpected and prolonged contractions … ?
— Alan Greenspan in 1996, three years before the dotcom bubble popped
— Alan Greenspan in 1996, three years before the dotcom bubble popped
December 5, 2024 at 10:42 AM
How do we know when irrational exuberance has unduly escalated asset values, which then become subject to unexpected and prolonged contractions … ?
— Alan Greenspan in 1996, three years before the dotcom bubble popped
— Alan Greenspan in 1996, three years before the dotcom bubble popped
In financial planning, we can't stress more why we need risk management (insurance)
👇
👇
November 29, 2024 at 1:23 AM
In financial planning, we can't stress more why we need risk management (insurance)
👇
👇
Time to take a break from financial planning and spend time with family and friends 💙
Have a happy, delightful Thanksgiving everyone! 🤗
Have a happy, delightful Thanksgiving everyone! 🤗
November 28, 2024 at 9:19 AM
Time to take a break from financial planning and spend time with family and friends 💙
Have a happy, delightful Thanksgiving everyone! 🤗
Have a happy, delightful Thanksgiving everyone! 🤗
Primary estate planning documents to consider -
Beneficiary designations
Will
Power of Attorney
Medical Advance Directives
www.cnbc.com/2024/11/25/h...
Beneficiary designations
Will
Power of Attorney
Medical Advance Directives
www.cnbc.com/2024/11/25/h...
Warren Buffett just updated his will—you can learn from it, 'whatever your level of wealth,' says estate planning expert
Anyone can learn from billionaire investor Warren Buffett's proactive and flexible approach to estate planning, experts say.
www.cnbc.com
November 26, 2024 at 1:11 AM
Primary estate planning documents to consider -
Beneficiary designations
Will
Power of Attorney
Medical Advance Directives
www.cnbc.com/2024/11/25/h...
Beneficiary designations
Will
Power of Attorney
Medical Advance Directives
www.cnbc.com/2024/11/25/h...
💯 worth it!
Own occupation disability insurance can cost a resident $90 - $190/month.
Worth it!
Worth it!
November 23, 2024 at 2:34 PM
💯 worth it!
A serious question
Can Elon Musk Vivek Ramaswamy answer this challenge -
and work with Dr Oz to curb private insurers' waste of taxpayers money?
👀
Can Elon Musk Vivek Ramaswamy answer this challenge -
and work with Dr Oz to curb private insurers' waste of taxpayers money?
👀
CMS nominee Dr. Oz is a strong supporter of Medicare Advantage. And there was good reason to be optimistic. MA companies promised they could improve care, provide extra benefits, & create more patient choice all while reducing costs. Sounds great. But that's not what happened. 1/x
November 20, 2024 at 10:41 PM
A serious question
Can Elon Musk Vivek Ramaswamy answer this challenge -
and work with Dr Oz to curb private insurers' waste of taxpayers money?
👀
Can Elon Musk Vivek Ramaswamy answer this challenge -
and work with Dr Oz to curb private insurers' waste of taxpayers money?
👀
I notice many people who say money does not "actually drive happiness" are those who have millions in their pockets - venture capitalists, for example
Seems that one must experience wealth first to determine whether money truly makes life happy
What do you think?
www.cnbc.com/2023/08/23/i...
Seems that one must experience wealth first to determine whether money truly makes life happy
What do you think?
www.cnbc.com/2023/08/23/i...
Investor who studied at Harvard's 'Happiness Lab' shares the No. 1 thing that 'actually drives happiness'—it isn't money
Alexa von Tobel sold her startup for a reported $375 million, but says she's derived the most happiness from "the intangibles that money can't buy." Here's why.
www.cnbc.com
November 17, 2024 at 3:20 AM
I notice many people who say money does not "actually drive happiness" are those who have millions in their pockets - venture capitalists, for example
Seems that one must experience wealth first to determine whether money truly makes life happy
What do you think?
www.cnbc.com/2023/08/23/i...
Seems that one must experience wealth first to determine whether money truly makes life happy
What do you think?
www.cnbc.com/2023/08/23/i...
I think she's not wrong 🤔
“If you don’t have at least $5 million or $10 million, don’t retire early.”
— Suze Orman
unusualwhales.com/news/suzie-o...
“If you don’t have at least $5 million or $10 million, don’t retire early.”
— Suze Orman
unusualwhales.com/news/suzie-o...
Suzie Orman has said that $2 million is "not enough," and one cannot "retire on it"
On the Afford Anything podcast, Suze Orman delivered a sharp critique of the idea that a $2 million portfolio is enough to retire early. She didn’t mince words: “Two million dollars is nothing,” Orman...
unusualwhales.com
November 16, 2024 at 6:19 AM
I think she's not wrong 🤔
“If you don’t have at least $5 million or $10 million, don’t retire early.”
— Suze Orman
unusualwhales.com/news/suzie-o...
“If you don’t have at least $5 million or $10 million, don’t retire early.”
— Suze Orman
unusualwhales.com/news/suzie-o...
Who said money can't buy happiness? It truly can!
Four Proven Ways To Buy Happiness With Money www.forbes.com/sites/johnje...
Four Proven Ways To Buy Happiness With Money www.forbes.com/sites/johnje...
Four Proven Ways To Buy Happiness With Money
The relationship between money and happiness is complex — more money doesn't automatically lead to more happiness. Money can promote happiness if spent in the right ways. Here are four ways you can sp...
www.forbes.com
November 14, 2024 at 12:23 AM
Who said money can't buy happiness? It truly can!
Four Proven Ways To Buy Happiness With Money www.forbes.com/sites/johnje...
Four Proven Ways To Buy Happiness With Money www.forbes.com/sites/johnje...
New here, for financial planning and capital market contents
Let's go!
Let's go!
November 12, 2024 at 2:01 AM
New here, for financial planning and capital market contents
Let's go!
Let's go!