My Comments: I strongly agree with this advice. If you plan to use the money invested to help pay for your retirement, the only additional consideration is whether you need income today from the money invested or whether it’s likely to be 10 years or more down the road. Financial decisions, which obviously includes investing …
Continue reading The Dow’s tumbles may raise fears, but you should still own stocks
My Comments: Much of my retirement money is at Vanguard. At some point I’m going to decide we’ve hit bottom and move it back into Vanguard growth funds or ETFs. But right now, if you have the courage of your convictions, here are five low cost funds that you can use. If you are still …
Continue reading The 6 Best Vanguard Funds to Own in a Bear Market
My Comments: Too many people are wondering where the money will come from to pay for their retirement. And too many people will not have enough money to live the way they want to. And too many people will not have the necessary resources to pay for health care in retirement. All this is leading …
Continue reading Public Pensions Could Become Retirement Crisis for Everyone
My Comments: Do you want to re-invent the present so it more closely resembles the past that you know and understand and were happy with? Good luck with that. The present and the future is the only thing we can influence. Whether it’s over millennia or the next decade, the sooner you come to terms …
Continue reading The clear message in the United States’ shifting demographics
My Comments: We’re now almost three weeks past the midterm results. And the markets have been mostly negative. Now the discussion is about how far it will drop, and when, before the inevitable bottom and return to reality. My frustration is that I’ve been expecting a severe drop now for over 3 years; it makes …
My Comments: In addition to death and taxes, a third ‘truth’ is demographics. A reason for our current political troubles is that the historic white Christian majority believes it is under attack. And it is. And many in that historically white majority want to live in the past. I’ve long learned we cannot live in …
Continue reading The Clear Message in the United States’ Shifting Demographics
My Comments: The lack of financial literacy for most people is an existential risk when thinking about money and the role it plays in peoples everyday lives. And it becomes even greater when the idea of retirement surfaces and what has to be put in place long before that day arrives. Here’s a start… by …
My Comments: With much of my time these days building a new business around retirement planning, the question of how long your money will last has huge implications. The 4% rule evolved in years past using the assumption that it would keep you from running out of money before you died. That assumption is not …
My Comments: Financial literacy has to start somewhere. If you are planning for an eventual retirement and want to grow your money between now and then, a degree of financial literacy is mandatory. Start here… by Emma Johnson \ June 1, 2018 If you’ve ever scanned the business headlines, you’re probably familiar with terms like …
My Comments: At the national level, if we want more money to spend, both on ourselves as citizens and at the Federal level on things that require money to finance, please tell me why this administration insists on doing things that will result in less money. Yes, I know, the old and wealthy white cadre …
Continue reading Higher Tariffs Won’t Work Now Because They Never Did
Helping Define Your Financial Future 