Rentier

The $100M Question

  • Post Date：
Background This thought experiment emerged during dinner table conversations with my wife about retirement planning. We discussed everything from where to live and how to invest to how often to visit family. Our conversation meandered in every possible direction until we finally reset with a simple question: “What if, right at this moment, we had […]
Read More

The Second Million

  • Post Date：
My Journey to Becoming a Multi-Millionaire Reaching my first million in 2018 was a milestone that changed everything. What happened next surprised even me: in just three years, I doubled that initial fortune. The journey from disciplined saver to aggressive investor taught me lessons that transformed not just my wealth, but my entire perspective on […]
Read More

YieldStreet Short Term Small Business Financing I Repaid

  • Post Date：
Short Term Small Business Financing I – Investment Results My third YieldStreet investment has been successfully completed, delivering strong returns over an extended investment period. Investment Summary Investment Type: Short-term small business financing through YieldStreet Investment Period: 1,288 days from capital commitment to full repayment Total Return: $17,245 in interest income Performance: 12.74% internal rate […]
Read More

LexShares Case #656 Resolved

  • Post Date：
Summary My 14th investment into commercial litigation crowdfunding has reached finality. It has been 770 days from the time of an ACH transfer to the distribution. The investment has generated a 1.70x MOIC and a 28.45% IRR. Key Events Date Cashflows Description Feb 14, 2019 New Investment Opportunity – $1.50M Feb 14, 2019 Capital Commitment […]
Read More

LexShares Case #1098 Resolved

  • Post Date：
Summary My 16th investment into commercial litigation crowdfunding has reached finality. It has been 188 days from the time of an ACH transfer to the first distribution. The investment has generated a 1.69x MOIC and a 64.82% IRR. Key Events Date Cashflows Description Feb 19, 2020 New Investment Opportunity – $1.13M Feb 19, 2020 Capital […]
Read More

LexShares Case #310 Resolved

  • Post Date：
Summary My 8th investment into commercial litigation crowdfunding has reached finality. It has been 1,018 days from the time of an ACH transfer to the distribution. The investment has generated a 0.88x MOIC and a (4.41%) IRR. Key Events Date Cashflows Description Aug 29, 2017 New Investment Opportunity – $225K Aug 29, 2017 Capital Commitment […]
Read More

LexShares Case #249 Resolved

  • Post Date：
Summary My 3rd investment into commercial litigation crowdfunding has reached finality. It has been 1,079 days from the time of an ACH transfer to write-off. The investment has lost the entire principal. Key Events Date Cashflows Description Apr 13, 2017 New Investment Opportunity – $225K Apr 13, 2017 Capital Commitment – $50K Apr 18, 2017 […]
Read More

LexShares Case #678 Resolved

  • Post Date：
Summary My 12th investment into commercial litigation crowdfunding has reached finality. It has been 456 days from the time of a wire transfer to the distribution. The investment has generated a 1.76x MOIC and a 57.03% IRR. Key Events Date Cashflows Description Oct 30, 2018 New Investment Opportunity – $2.25M Oct 30, 2018 Capital Commitment […]
Read More

Personal Goals For 2020

  • Post Date：
New Year, Same You I set my goals every year at the end of November and do a year end review at new year. I usually keep them private, but this year I decided to share on my blog. All goals fall under one of the top 3 focus areas of life: money, health, and […]
Read More

YieldStreet Diversified Pre-Settlement Portfolio XXV Repaid

  • Post Date：
Diversified Pre-Settlement Portfolio XXV – Investment Results My first YieldStreet investment has been successfully completed, delivering strong returns through litigation finance opportunities. Investment Summary Investment Type: Diversified pre-settlement portfolio through YieldStreet Investment Period: 639 days from capital commitment to full repayment Total Return: $39,248 in interest income Performance: 13.14% internal rate of return (IRR) Investment […]
Read More

LexShares Case #285 Resolved

  • Post Date：
Summary My 5th investment into commercial litigation crowdfunding has reached finality. It has been 682 days from the time of an ACH transfer to the distribution. The investment has generated a 2.57x MOIC and a 65.57% IRR. Key Events Date Cashflows Description Jun 8, 2017 New Investment Opportunity – $100K Jun 8, 2017 Capital Commitment […]
Read More

LexShares Case #217 Resolved

  • Post Date：
Summary My 1st investment into commercial litigation crowdfunding has reached finality. It has been 640 days from the time of an ACH transfer to the distribution. The investment has returned the principal with no profit. Key Events Date Cashflows Description Mar 3, 2017 New Investment Opportunity – $400K Mar 3, 2017 Capital Commitment – $10K […]
Read More

Beyond The First Million

  • Post Date：
Beyond The First Million Reaching the $1 million milestone has fundamentally transformed my investment approach and opened new opportunities in alternative asset classes. This page outlines my strategic shift toward litigation finance and the evolution of my portfolio strategy as I pursue higher returns and accelerated wealth accumulation. Portfolio Strategy Evolution My asset allocation strategy […]
Read More

The First Million

  • Post Date：
My Journey to Becoming a Millionaire This is the story of my 18-year journey from arriving in the United States to achieving my first million in investable assets. It’s a tale of strategic job changes, calculated lifestyle decisions, and the power of compound growth through disciplined saving and investing. The Foundation Years (2004-2010) I graduated […]
Read More

Tax Optimization Strategy

  • Post Date：
The 2 Most Common Ways to Reduce Your Taxes Tax Deductions (<$250,000) Income Distribution (>$250,000) Tax Deductions Reducing your taxable income by deducting variety of personal & business expenses is one of the most common ways to lower your taxes when your gross income is under $250,000. It becomes less effective as your income increases […]
Read More

Retirement Plan 2018

  • Post Date：
Retirement Changes Under the New Tax Law We reassessed our target numbers based on the new tax bill, a new investment strategy, and current spending figure. The risk-free interest rate is the return investors are willing to accept for an investment with no risk. I assume the risk-free rate of return is 12%. Housing Expense Townhouse for […]
Read More

LexShares Case #281 Resolved

  • Post Date：
Summary My 7th investment into commercial litigation crowdfunding has reached finality. It has been 73 days from the time of a wire transfer to the distribution. The investment has generated a 1.79x MOIC and a 1740.72% IRR. Key Events Date Cashflows Description Jul 5, 2017 New Investment Opportunity – $750K Jul 5, 2017 Capital Commitment […]
Read More

Credit Limit 101

  • Post Date：
How to Build Credit History from Scratch This post continues from the previous post. Can you talk a little more about how to get started doing credit card arbitrage, like the basics? I just discovered this and am still trying to get my head around how you get the cash from the cards to invest. […]
Read More

Balance Transfer 101

  • Post Date：
Getting Started with Credit Card Arbitrage Recently, a reader named Evan asked the following question in a blog comment: Can you talk a little more about how to get started doing credit card arbitrage, like the basics? I just discovered this and am still trying to get my head around how you get the cash […]
Read More

iFunding EVIVA Midtown Follow On Repaid

  • Post Date：
EVIVA Midtown Add-on Project Paid Off My 1st preferred equity investment on commercial real estate project has completed. It’s 366 days from the time of capital commitment to the repayment of principal and accrued interest. The investment has generated 19.45% IRR. Key Events Date Cashflows Description Aug 30, 2016 Capital Commitment Sep 6, 2016 ($100,000) […]
Read More

Personal Capital Sucks

  • Post Date：
Mint vs. Personal Capital Both Mint and Personal Capital are personal finance management services that allow you to sync and aggregate all of your financial accounts in one platform. Personal Capital is very popular among personal finance bloggers because of the terrific affiliate marketing program. Switched from Mint to Personal Capital I have tested Mint […]
Read More

Get Rich By Investing in Litigation Financing

  • Post Date：
Third-Party Litigation Finance – Investment Opportunity Analysis I recently discovered LexShares, a crowd-sourced litigation funding platform that provides individual accredited investors with access to a diverse range of pre-settlement business disputes. This represents a unique opportunity to participate in an emerging alternative asset class with significant growth potential. Investment Structure & Opportunities LexShares offers individual […]
Read More

Discover Price Protection

  • Post Date：
Credit Card Price Protection Discover will refund the difference up to $500 on eligible items if you find a lower price at any store within 90 days of purchase. This applies to eligible items at any store so long as you used your Discover card for the entire purchase. There is a reimbursement limit of […]
Read More

iFunding ProudLiving Terminated

  • Post Date：
ProudLiving Project Has Been Terminated My second preferred equity investment in a commercial real estate project has been terminated. It was 36 days from the time of capital commitment to the return of subscription. The estimated opportunity loss was $3,330. Funding In September 2016, iFunding announced a $1.4 million, 2-year preferred equity investment in an […]
Read More

Cross Account Balance Transfers

  • Post Date：
Cross-Account Transfers Banks typically do not allow electronic funds transfers between different account owners, even among family members, unless the person is a joint account holder. However, they rarely verify the account owner of the target account. Most of the time, cross-account ACH transfers work without any problems, except in rare cases where they conduct […]
Read More

Bank of America Closed All Credit Card Accounts

  • Post Date：
Mass Closure of Credit Card Accounts Today I received letters from Bank of America stating that they are closing my credit cards. As a result of a recent review, we’ve closed your above referenced account because there are too many accounts with balances and you currently owe sufficient amounts on your revolving lines of credit. […]
Read More

How to Liquidate and Close a LendingClub IRA Account

  • Post Date：
Backstory I made a prior-year contribution to my traditional IRA in January, assuming it would be tax deductible. Unfortunately, that wasn’t the case. A complication arose because the non-deductible IRA contribution was already fully invested in my LendingClub IRA account. I ended up having to liquidate notes to execute a backdoor Roth IRA conversion. Steps […]
Read More

Retirement Plan 2016

  • Post Date：
Backstory Today is my birthday, and I’m approaching my 40s. Recently, I’ve been experiencing high levels of stress at work that have been taking a toll on my physical and emotional health. This seems like an ideal time to get my retirement finances in order. Early retirement has become an obsession, and I’m counting down […]
Read More
© 2016 Rentier