A correspondent asked: I plan to retire in a couple of years and the current state of the world and stock market is scaring me. Should I […]
Posts archive for December, 2021
Ode To A Roth Retirement
For most people in most situations, a Roth retirement account is better than a pre-tax 401K or IRA, but keep in mind that either is better than […]
Harvest Those Losses
You may have noticed that the stock and bond markets have both significantly declined in value in 2022. No one likes to see their investments go down […]
Creating a Budget
What is the most effective way to spend less and save more? Using a budget and tracking your monthly spending is the best approach.
The Risky Business of Investing in Stocks and Bonds
Everyone wants the upside gains of investing in stocks but without the risks of doing so. That’s understandable but not how it works. In this note, I’ll […]
Is bitcoin money?
Crypto has been in the news a lot lately with lots of bankruptcies, arrests, criminal trials, SEC actions and perhaps there may soon be an ETF for […]
Car Talk
For most anyone, leasing a car does not make financial sense compared to buying one. Why not? Well, a car lease is carefully designed to befuddle you with complexity […]
Are you in the 4%?
You may have heard about the 4% rule for retirement spending. It’s a simple but imperfect guide to how much you can safely spend each year during […]
De-Carbonizing our Household’s Energy
Like many others, I’ve been increasingly sensitive to the amount of fossil fuel our household consumes and decided to try and eliminate our dependence on carbon-derived energy. […]
70 Is The New 62
What is the best age to claim your Social Security benefits? Most people do so soon after age 62 but, most of us should delay until age […]
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