Fun and Finance

Do you know what is the most common 401(k) default investment?  It is a target date fund.  In this post, we will talk about what they are, their pros and cons, how to pick the right one for you, and some final thoughts. Summary What is a target date fund? Pros and cons Pick the right one Final thoughts What is a target date fund? Target date fund is a combination of US stocks index fund, non-US stocks index fund, US bond fund and non-US bond fund. It is basically a fund of funds.  The name “target date”, means the fund itself is targeting a specific year of retirement. For example, if you plan on retiring in 2030, you can buy the 2030 target date fund. As the time goes nearer and nearer to the target date, the fund will gradually increase its percentage of bond funds and decrease its percentage of stock funds, in order to increase safety. The idea is that most people will be comfortable investing a lot of money into risky stocks when they are young and working, but as ret...

Kauai island is known as the “Garden Isle” because the island is rich in mountain ridges and forests. This travel itinerary for Kauai will show you what you can do on this green island for one week.  Summary Day 1 Hanalei Valley Lookout Maniniholo Dry Cave Haena Beach Park Limahuli Garden Queen’s bath Day 2 Kilauea Lighthouse Kahili Beach Preserve Nourish Hanalei Hanalei National Wildlife Refuge Okolehao Trail Day 3 Anini beach Boat tour with Na Pali Coast Day 4 Tunnels beach Holey Grail Donuts Kenomene Ocean Sunset Outlook Day 5 Waimea canyon Waimea canyon lookout Canyon Trail Kalalau lookout Day 6 Opaekaa falls Historical sites Kayak on Wailua River Day 7 Tree tunnel The Spouting Horn Poipu beach Kauai Plantation Railway Wailua falls Maha'ulepu Heritage Trail Day 1 Today’s itinerary will be on the north west side of the island. This is a less populous side and more distant from the airport and shopping, but the road quality is good and the areas along the coast are generally quit...

Aloha my friends! Are you thinking about leaving the stressful and busy city life, and going to the valleys and beaches of Maui for a few days? Let’s see what you can do in Maui for a one week vacation! Summary Day 1 Mai Poina Beach Park Day 2 Road to Hana Twin falls Day 3 Black sand beach Ke Ala Loa O Maui/Piilani Trail Haleakalā National Park Makahiku Falls Banyan Tree Bamboo forest Waimoku Falls ʻOheʻo Gulch Day 4 Red sand beach Wailua Falls Day 5 Road from Hana Day 6 Whale watching Snorkeling Day 1 Mai Poina Beach Park If you are flying in from the mainland, it is likely you will arrive on the island in the afternoon. After checking into the hotel/airbnb, and treating yourself with a delicious meal, you can visit some beaches near you and watch the sunset there. We went to Mai Poina Beach Park, and the sunset there was stunning. Where to stay We stayed at Ritz-Carlton for one night. The resort has its own private beach, golf course, tennis court, and tons of amenities.  Day 2 R...