Investing Journo Requests

Investment Experts on Future Equity Strategies & Tech Sector Impact

As I heard from one source, tech has provided 60% of market returns and most of the earnings growth. But what one sector can provide, it could take away in a number of ways. I’m looking to speak with/hear from legit investment experts on how to look at equity investments while thinking about the future (which can come faster than anyone would expect). Please reply to [email redacted].

Request details available to registered users.

nytimes.com

Personal Finance Experts Needed on Homeownership vs Renting Costs

Doing the math on a $400,000 home 20% down = $80,000 up front. 6.5% mortgage for 30 years Zillow estimates payment of $2,331/mo $2,331/mo x 12 = $27,972 $27,972 x 30 years mortgage = $839,160 paid for a $400,000 house. What’s not accounted for is the cost of replacing appliances, roof, siding, painting, maintenance, yard work, taxes going up etc… they say maintenance is about 1% of the house cost a year so that’s $4k which is $333.33 a month So really your cost of ownership over 30 years is: $959,000 paid for a $400,000 house. So the banks/mortgage lenders make a nice amount of money selling the idea of home ownership “Mortgage is the minimum you pay per month and rent is the maximum you pay per month” Seems like the only people begging you to buy a house are real estate agents, banks, and lenders because they’re incentivized to do so. I don’t see where there is a net positive to me for owning a home… I’m open to change my mind as I don’t have first hand experience The alternative people will say is “well it’s better to pay your mortgage because then after 30 years you have some equity and ownership whereas with renting you own nothing.” That might be true but what if instead of spending on average 1% a year on home maintenance ($4k in this instance) you invest $4k/yr in your investment account over 30 years? At 9% - $4k per year is $609,000 that’s fully liquid and not tied up in a house. When you buy a house you are also gambling that it will be worth more in the future and that it’s in a good area and you’re hoping someone in a future generation comes along and will pay you more than what you paid for it…that depends on a lot of variables and nobody can guarantee it (you can’t guarantee investment results either) The more I think about it there’s no clear answer and it’s just preference. I want to own a home but it doesn’t feel like a good deal. The only case for a house it seems is to “feel good”. Whereas renting you have less headaches of maintenance and you have more freedom of mobility I’m not in real estate so I need some experts to weigh in sine one of my goals is also wealth building so I want to make the best decisions

Gen Z Gold Investor for Long-Term Investment Case Study

I'm looking to speak with a Gen Z individual who has purchased gold as a long-term investment. Drop me a DM or message at [email redacted] if this sounds like something you can help with #prrequest #journorequest

Anonymous Interview Subjects for Cash Habits Story

Cash Confessionals Hey neighbors, I'm looking to interview people for my weekly newsletter. It's for a "cash confessional" style story about how much you earn/spend/save/invest and other money questions. It's completely anonymous and your name/personal deets are not shared. Should take less than 20 minutes! Anyone interested?

Military Service Members Investing Strategies for WSJ Economics Report

Wall Street Journal wants to hear about your investing strategy Hello all, My name is Konrad Putzier and I am an economics reporter at the Wall Street Journal. I am interviewing military service members about how they invest and plan for their financial future. Is there anyone in this group who is interested in sharing their perspective?Here's what I would like to talk about: How did you get interested in investing? What type of assets do you invest in and how have those investments performed? Do you talk to fellow service members about money and investing, and if yes, what kind of advice do you exchange? What are your goals as an investor?  If you're interested in talking about any of these topics, I'd love to hear your thoughts. You can reach me at [email redacted] or at 203-747-9307 (also my WhatsApp and Signal number). This is for an article about how and why military service members invest. Service members are often very active investors and talk to each other about money more openly than people in other professions. We find that interesting, and the idea is to explain how this investing culture developed and what it's like to invest and plan for your future while serving in the military. Here's a link to my author page with my recent articles: https://www.wsj.com/news/author/konrad-putzier Many thanks, Konrad

wsj.com