These provide stability and regular income, which can be crucial in retirement.Cash: 5-10%Keep some liquid assets for emergencies and short-term needs.Consider these additional points:Diversification: Spread your investments across different sectors and geographic regions to reduce risk.Tax efficiency: Consider the tax implications of your investment strategy, especially with your high net worth.Regular rebalancing: Adjust your portfolio periodically to maintain your desired asset allocation.Professional advice: Given your high net worth, it's advisable to consult with a financial advisor who can provide personalized recommendations based on your specific situation and goals.Risk management: Consider your risk tolerance and adjust the allocation accordingly.

August 2024 payroll numbers continue to show a resilient job market, despite revisions expected to push the data higher, following a trend seen in previous years. Economists note that job growth in typically underrepo...

I'm now wondering if this woman stole her identity, and that woman is the one with the good credit score.Am I crazy paranoid, or on to something? 

It’s interesting to hear how you’ve adjusted your portfolio, especially selling off STRs after the market shift and reinvesting in more long-term opportunities. market changes so fast nowadays. 

If it's not adjusted correctly there won't be enough water to flush everything down. 

But all markets adjust over time.  

As a thought exercise, if I were to sell and take my $45K of equity and put it in an index fund earning inflation-adjusted 7% return, it would take 16 years for that to turn back into my original $130K.

.- Interest Rate Adjustments: Interest rate cuts may not happen as quickly or as significantly as expected.

On a Fannie Mae loan, your scenario has a major Loan Level Price Adjustment (LLPA) of 4.125% for a second home with a loan to value of 85.1% to 90% plus a hit of .75% and another for .25%.

Including Water in Rent: Another option is to adjust the rent for each unit to include the cost of water.