Education and Commentary

The Basics 

• Difference between Financial Planning & Money Management

• Choosing a Financial Planner/Advisor

• Why Financial Planning is Necessary

• Budgeting

• The difference between a financial planner and a financial advisor.  

Pre-Retirement

• Debt and Retirement

• How Much Do I Need to Retire?

Post-Retirement

• Life Expectancy and Investing

• Determining Rate of Withdrawal

• Will My Money Last Throughout Retirement?

Money Management

• Are you an Average Investor?

• Inflation - Nominal vs Real Returns

• Average Annualized Return 

• Rapid Stock Market Declines 

• Understanding the Stock Market

• Investment Criteria 

• Are Performance Reports Important?

• Is it Possible to Lose All Your Money in the Stock Market?  Yes, but

• What Junior High, Market Declines and Some Investors Have in Common

Estate Planning

• Do I Need an Estate Plan?

• Avoiding Probate 

• Revocable Living Trusts

Ted Talks and Other Stuff

• Ted Talks

• Life Motto's & Quotes

Risk Management

• Risk Management Criteria 

Economic, Global, Political, Social 

• The New Year and Invisible People

• Am I Worried About Socialism?

• National Elections - What Are You For?

• Sexism 

• Health Care in the US

• Paying for Gun Violence

• Household Income, Net Worth, and What it Means.

• Celebrating 80

• The Coronavirus was inevitable, the pandemic avoidable.  

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