Tom’s Blog

Do you earn back enough on your credit card?

It can be really hard to figure out what you earn back on your credit card purchases. The purpose of this post is to say, “If you aren’t clearly getting 2% back as cash value on all purchases, it’s time to switch.”

 

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Are you getting ready to ENJOY NOW?

Have you shifted to thinking about what you are going to do to Enjoy More NOW? It’s almost a year since the first official stay-at-home requirements for here. Patti and I are more than two weeks past our second vaccination. We feel like we are

How do you invest with the appropriate level of risk?

All investors should be able to answer the question, “Have I invested with the appropriate level of risk?” This raises a basic question, “What is financial risk?” It turns out that I don’t think that’s easy to answer. In my mind the financial industry uses

What are the pros and cons of long-term bonds vs. intermediate-term bonds?

Two weeks ago I wrote about potential choices for bonds and displayed a number of options. The purpose of this post is to look at the pros and cons of intermediate-term vs. long-term bonds in more detail. In particular, I wanted to confirm the insurance

Has your financial retirement plan anticipated the WORST?

Texas! Wow, what a mess! No heat, light, or water for millions. Did Texas plan for the WORST or is this just much worse than anyone could logically expect? I don’t know the answer, but I do know I feel really good about our financial

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