I’m often asked, how is it possible to become financially free (or retire) at such a young age?
Well, there are many challenges but the first one is to accumulate enough money for all of our financial needs.
Once we’re determined to make it happen, we need to work on different aspects of the game.
It is something like “Cracking the Code” 🙂
Let me share what I did to achieve Financial Freedom in such a short span of time.
There’s something unique about Black and White photography. No doubt, I love the colors but sometimes B&W captures the moment more effectively. It feels like you don’t need any words to describe, just the photograph itself is enough.
It is the diversity that I love about Northern California. Of course, the US is full of great outdoors such as Colorado Rockies, Yellowstone, Utah, Arizona and many others. But the advantage of Northern Cali is that you can enjoy San Francisco: one of the best cities in US and also experience several great outdoors that are easily accessible. This allows you to make the most of your vacation time.
I have visited the area many times and explored quiet a few places. But there are some places in Cali that I don’t mind visiting again and again..:-). Because only a handful of other places in the US offer the same level of experience (I am excluding Hawaii and Alaska). Now the Californians might disagree with me but I have to state the facts..:-)
There’s something unique about San Francisco. I never get sick of visiting this city or the bay area. It grows more on me with every visit. First of all, San Francisco is much cleaner than any other big city in the US. It also has plenty to offer if architecture, art and history interest you. I love the colored and bright cable cars going up and down the steep streets, ringing their bells. The sharp and varied elevation of this city also offers some of the best views of Golden Gate bridge and the beautiful bay.
I don’t seem to be the only one who loves this city, I realized this during a recent trip. I started my search for a vacation rental almost a month in advance but was surprised to find that most of the apartments were taken for the entire summer. Somehow I managed to get a decent accommodation.. just in time.
What I love about SFO (apart from the city itself) is that you can make it a base for visiting Northern California. If I had to make a list of Top Five places to visit in the US, Northern California will be in it for sure.
Anyway, I’ll focus on San Francisco for now.
So what are the topmost things to do in this city?
I love when the uncertainties in financial markets present a wonderful opportunity to make money with little effort.
We often hear that there’s no free lunch. True most of the times but not always!! This opportunity has been there for a while but has become even more attractive in recent months.
The worsening job and housing markets have forced the US Government to keep interest rates low for some time. Many credit card companies are now offering one of the best balance transfer deals that I have seen in years. Some 0% interest offers have the transaction fee as low as 1% ( Do let me know if you find lower than 1%), which means the total cost of funds is 1%. Now you have to ask yourself: Can I earn a better return than 1%? How about long term bonds or a real estate investment that has decent positive cash flow? Perhaps it is time to pay off an auto or student loan that has higher interest rate.
