My Comments: What are your thoughts about climate change? Do you believe it’s real? If it is, how will it impact your life? Or the lives of your children and grandchildren? Will it affect where you choose to live, what to eat, how to invest your money? Personally, I think it’s very real, that it …

Continue reading Economic Incentives for Climate Change

My Comments: Readers of my posts know that most of them share ideas first articulated by others. This one got my attention since I had never heard of the “Noah Rule”. Early on, once you get past the definition, it becomes obvious that for too many of us, the rule should apply to a great …

Continue reading Expecting a Market Downturn? Follow the “Noah Rule”

My Comments: I recently had a conversation with someone close to me about them making a renewed effort to stop smoking. It was triggered by the price of a carton if cigarettes when purchased here in Florida vs in Virginia. If the topic of this article wasn't so disturbing, it would compete with the effects …

Continue reading 4 Ways to Ensure You Won’t Run Out of Money in Retirement

My Comments: Millions of American are petrified of changes taking place in society. The old order of things has an appeal that causes them to take steps to preserve the past that would otherwise seem bizarre. As it is with retirement. The concept of working much of your adult life and then ‘retiring’ and living …

Continue reading Retirement Is Changing Rapidly

My Comments: Happy Thanksgiving!  Regardless of your circumstances, this holiday is a time to offer thanks for whatever good there is in our lives. The fact that I’m able to write this post and have some of you read it is cause for celebration. For that alone I’m very grateful. The idea expressed here has …

Continue reading Here are the two funds you need — before and after retirement

My Comments: First, you may get it wrong or you may not. Second, since you don’t know when you will die, you’ll never be sure. Everyone with enough credits, and still alive, has to choose which one of the 96 available months they have to sign up for and start receiving retirement benefits from Social …

Continue reading You’ll Get Social Security Wrong Unless You Do This

My Comments: Wow, it’s already Thanksgiving week. With all that’s going on it’s easy to lose track. Because we have family members here this week, some from far away, I may miss a couple of blog posts. One of my thanks comes from the raft of information that washes over us every day. Here's some …

Continue reading 6 Retirement Account Changes for 2020 You Should Know

My Comments: If you’ve followed me at all, you know I’ve been talking for the last few years that the laws of economics have not changed. History tells us there are good times and there are bad times. For the past few years, we’ve seen good times. Sooner or later, we’re again going to see …

Continue reading Next recession: Crash warning signs include ‘mother of all bubbles’

My Comments: This article is only meaningful to those of you who haven’t yet filed for Social Security benefits or you filed but it was less than 12 months ago. Despite the fact that filing early more or less means you get a smaller check for a longer period of time, there are good reasons …

Continue reading Americans Are Clueless About Social Security’s Filing Rules, Data Shows

My Comments: The year 1698 saw the opening of the London Stock Exchange at a coffeehouse. Here in the US, it began under a buttonwood tree in New York as the New York Stock Exchange in 1792. Every day since then, stockbrokers have charged fees for their services on behalf of non-stockbrokers. In the roughly …

Continue reading How to Avoid Investment Fees