Systemic Racism and I

This topic is not easy to write about and come to terms with. As an elderly white man, my values were formed over decades. Before I became an adult, it was influenced by the social environment I grew up in and the guidance I received from my parents and family members. Since then I've managed …

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Deciding When to Claim Monthly Social Security Retirement Benefits

This assumes you've been paying into the Social Security system for a while and will have a minimum of 40 credits in your name. Without 40 credits, you won't get any monthly retirement income. One credit per calendar quarter; 40 credits equals 10 years. If you're still reading this, and will have a minimum of …

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Retirement and Fiduciary Standards

There's long been controversy about these two terms and how they should be applied. For millions of us already retired and for those of us with an expectation of eventual retirement, a basic understanding of their relationship might mean the difference between financial success and failure as the years pass. My objective with this post …

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A Day In The Life of Richard Kendzior: June 9, 1944

On this day, 76 years ago, D-Day+3, my father landed in Normandy as part of the Allied efforts to defeat Adolph Hitler and the Axis forces. At the time a citizen of Britain, and serving in the British Army, he landed in the British sector on the Normandy coast. He was serving with the Royal …

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What Happens Next?

My recent thoughts about how certain religious leaders revere the behavior of Donald Trump leads me to more questions. The protests that have gripped the nation and some other countries suggests there is more going on here than first meets the eye. That so many people are sufficiently motivated to protest, and continue to protest, …

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Climate Change?

It's like watching grass grow or a car turn to rust. It's slow, from day to day you're never sure it's happening, but over a month or a decade, it's inevitable. The science behind climate change is real. You can say it's natural or man made or whatever, but to deny it's happening is folly. …

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Income Inequality Today

The news last week was disturbing for many reasons. As I sit and reflect on my life to this point, nothing in my history can compare with the agonizing and frustrating experiences of so many millions of Americans. As I sit and attempt to digest the pain experienced by others, I'm frustrated by my inability …

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Don’t even think of owning stocks unless you’re willing to buy and hold for at least 10 years

My Comments: This is an example of how headlines and breathless remarks from TV people can be misleading. Who exactly is the writer talking to? Are you in his target audience or is he just trolling for anyone? I don't have a clue if the writer is technically competent to make that statement or not. …

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Retirement – Avoid Outliving Your Money

As someone already in retirement, this is an issue I'm well aware of. It's not like it keeps me up at night but every time a large bill appears on the horizon, I become increasingly aware of the risk. For those of you still a long way from retirement, there are many issues over which …

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Spending Money in Retirement

We don't usually associate retirement with spending money but there's a very strong relationship between the two. While there are other reasons, the primary reason for retirement is not wanting to work any more. Which begs the question, how are you going to pay for it. In today's America, apart from the current pandemic with …

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