Affluent Savvy
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What yellow money means?

Remember, yellow money is money that typically earns lower returns, is guaranteed by FDIC, and can be liquidated with minimal expense and maximum efficiency. We are not expecting big gains in these assets because this is “cash” or short term funds.

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Disadvantages: Gains or Lower return

Examples: Bank Accounts, CD's, Cash Accounts

The goal of Column A, Yellow Money, is to provide a sufficient amount of liquidity for the majority of your portfolio while keeping it protected from losses due to fluctuations in the stock market. Remember, yellow money is money that typically earns lower returns, is guaranteed by FDIC, and can be liquidated with minimal expense and maximum efficiency. We are not expecting big gains in these assets because this is “cash” or short term funds. As a rule, the longer the time horizon and overall risk for an investment the greater the potential returns. You also want to have cash available in the event you can’t work for six months to a year. You don’t have to keep 6-12 month’s salary available however you do want to have your basic living expenses covered. For example, if your monthly expenses total $2,500 and you wanted to cover six months, then you would need $15,000 in Yellow money accounts. If you wanted to cover a twelve-month budget at this rate you would need $30,000. In order to get the most interest make use of six to twelve month CDs and ladder their maturities.

Common attributes of Yellow Money:

Not Investing, But Rather Savings

Liquid

Lower Returns

FDIC Insured

Bank Accounts, CD’s, Money Markets, Savings, Cash Accounts

Bank Accounts, CD’s, Money Markets, Savings, Cash Accounts Taxable or Tax DeferredAverage 1%-3% Historically

Two Yellow Money Categories

Accessible with NO penalties for early withdrawal.

Accessible with MINIMAL penalties for early withdrawal.

The reason you want to have liquid short-term Yellow money available is because you don’t want to be forced to sell off long-term assets. It is also important to make sure you don’t have too much Yellow money or it can diminish your buying power over time.

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Earth God's Birthday – Febru.

History of Earth God's Birthday

Tudi Gong, simply called Tudi, is a deity in Taoism and other Chinese beliefs. Tudi Gong is depicted as an elderly man with a white flowy beard who dons a golden hat and a bright red or yellow robe. He holds a wooden shaft in one hand and a golden ingot in the other. Shrines dedicated to Tudi Gong can be found in every town or community in Taiwan. In the olden days, when villages were primarily concerned with agriculture, people sought the Earth god’s blessings for a bountiful harvest. Nowadays, they ask for wealth and well-being in prayer. The Earth God is also invoked when a deceased is buried, thanking Tudi for the land. Contrary to other deities, shrines of Tudi Gong within the home are placed under the altar or below the front door. On this day, devotees visit nearby temples to pray and give offerings such as the customary Taoist gift of longevity noodles and red tortoise cakes. Longevity noodles are long noodles that are cooked without breaking them and eaten without biting in the middle. Red tortoise cakes (or Ang Ku kueh) are cakes made from rice skin and sweet filling, molded into a tortoise shell shape. Both the foods are symbolic of longevity and prosperity.

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