Monthly Older Posts: May 2020

Could mortgage rates be any lower?

Mortgage rates are now the lowest in history – or at least for the last 100 years. This site says the average rate on a 30-year mortgage is 3.15%, and you can get a rate lower than this. This fall I refinanced our mortgage

Do you have a cookie-cutter retirement portfolio?

I hope you DO HAVE what would seem to others as a cookie-cutter portfolio. Patti and I have been watching more TV in the evenings and less Netflix or Prime Video. I’m seeing many more ads than usual. Almost every night I see an ad

Should you trust Retirement Withdrawal Calculators (RWCs) that use the Monte Carlo method?

No, you should not trust Retirement Withdrawal Calculators (RWCs) that use the Monte Carlo method. DON’T EVEN LOOK AT THEM. Two basic types of RWC differ in the way they build and test sequences of returns. For the exact same planning decisions, they give very

How do Retirement Withdrawal Calculators build their sequences of return?

Two types of Retirement Withdrawal Calculators (RWCs) build sequences of future financial returns we test to make the key decisions for our financial retirement plan. I used to think that the two types were about the same for planning purposes. I no longer trust one

How will you live UNTIL VACCINE?

What can each of us do to fight this damn virus? How will you live your life to be sure you don’t get infected and possibly die? The purpose of this post is to describe how Patti and I are thinking about how we will

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