Monthly Older Posts: November 2017

Your worry point is far down the shaft of your hockey stick.

Most of us worry about bad variability in stock returns. Our focus, our worry point, is usually no further than 12 months away.  The image in our head is a seesaw or roller coaster. When we’re retired – with the right plan – our real

14.5X on my investment. Other Baby Boomers did that, too.

The game of Save and Invest that we retirees have played for decades has turned out to be a somewhat easy game. The timing has worked out great for us. We retirees have ridden an above sequence of annual returns for stocks. That’s added up

Anticipation: my recalculation date is less than 3 weeks away

I peaked. The R in the CORE is coming up for me: Recalculation. Oh, boy. Wow. Unless the world falls apart over the next three weeks Patti and I have dodged the bullet of “bad variability” of returns for three years now. It’s waaay

Alice’s 16%!!! pay increase for 2018. How did that happen?

Recalculate is an annual task if you Live the CORE. Alice follows the CORE. She chose October 31 as her date for Recalculation. I stopped by Monday to help her with the recalculation, rebalancing, and decisions for 2018 spending. She’s not super with spreadsheets,

I’m an (ultra) Conservative Investor. They label me as (ultra) Aggressive.

A financial plan has to consider two aspects: 1) How Much Do You Plan to Spend from Your Portfolio Year-By-Year and 2) How Do You Invest. Those two pieces of the puzzle have to fit together. You can’t judge one without the other. But if

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