Quick Reads »

December 26, 2017 – 12:52 pm | No Comment

This Week 7’s (12.14 – 12.31) Affirmation: Mindfulness – I will reach for mindfulness each day.
Date – 12.26.17
B-Book 44: Do the Work by Steven Pressfield
The key message in this book: Often we stop dead in our tracks …

Read the full story »
Mad Musings

First category I added when I started this blog many moons ago. I jot stuff here I can't otherwise categorize.

what the...?

The section you will see a swear or two in. Not that I am a big fan, but sometimes situation can't be helped

Not So Recent Reads

Here you will find books that I have read, reading or intend to read. More Recent Reads => CLICK HERE.

just Writing

I intend to use this area to catalog my writing journey and collect tidbits of information on the authoring process.


These are areas I am very much interested in. From time to time, as I am so moved, I free think here as well

Home » Archive by Category

Articles in Money Matters

Where Are We in ‘The Cycle’?

March 4, 2018 – 2:34 am | No Comment

When viewed through a business-cycle lens, the current economy is showing signs of both mid- and late-cycle dynamics.
Source: Where Are We in ‘The Cycle’?
My Comments: A really good primer on the business by Karen Wallace …

Start planning now to care for elderly parents

October 12, 2017 – 2:30 am | No Comment
To match analysis AGE-EUROPE/BONDS

If you have an aging parent and want a glimpse of what the future holds, look no further than Leslie Glutzer.
The 66-year-old from Chicago has a mom who is 92, dealing with dementia, now living …

How to put a dynamic retirement spending strategy in place

September 25, 2017 – 8:34 am | No Comment

Welcome to retirement at the beginning of the 21st century: People are living longer, return expectations are muted for the foreseeable future, and employer-funded pension plans are becoming a thing of the past. This is not …

Should You Make IRA Contributions After 65?

September 25, 2017 – 8:26 am | No Comment


As I was listening to my voicemail on a Saturday morning, I picked up a message from a relative. “Christine, I have some extra money to invest,” she said. “I put some cash into my …

The Working Class Can’t Afford the American Dream

September 4, 2017 – 4:10 pm | No Comment

The national conversation in the U.S. is focused squarely on improving the lives of people in the working class. The debate revolves around exactly how to do that. Politicians and pundits have all sorts of …

Here’s what health care will cost you in retirement

August 30, 2017 – 10:22 pm | No Comment

My husband and I were dreaming about what we would do if we won the recent $758 million Powerball jackpot. (We didn’t.) I told him he should keep working his federal government job so that …

Your Financial Life Is Complicated; Your Portfolio Shouldn’t Be

August 30, 2017 – 10:13 pm | No Comment

The uptake of index products has been widely hailed as an expression of investors’ preference for low-cost investments. And a quest to lower total portfolio costs and cut out higher-priced, underperforming funds may well be …

Straight from Vanguard retirees: 6 retirement-planning tips

August 28, 2017 – 2:14 am | No Comment

In my last post, The coulda, shoulda, woulda behind every retirement story, I asked for comments. Who better than soon-to-be retirees and recent retirees to share lessons learned about preparing for retirement, right? (Exactly right.)
The record-setting …

One millennial’s advice to peers on saving for retirement: Don’t live by FOM 

July 21, 2017 – 2:35 pm | No Comment

If you’ve saved a lot for retirement, do you have any regrets about what you may have given up to achieve your financial security?
Last week, a reader, who is not a millennial, asked what if …

The huge cost new parents may be overlooking

April 16, 2017 – 5:20 pm | No Comment

Some expecting parents may forget to prepare for what will likely be their biggest expense when the baby arrives: child care.
When asked how much they think it costs to raise a baby, 54 percent of people planning …

Death Is Inevitable. Financial Turmoil Afterward Isn’t. 

January 20, 2017 – 6:33 pm | No Comment

Preparing for the death of a spouse or partner and its ramifications may be an unhappy task, but doing so can ease some avoidable financial sorrows.
MOST of us do not even want to contemplate the …

Welcome back debt! Total household debt rose by $63 billion

December 12, 2016 – 2:24 pm | No Comment

The appetite for debt is now back in a furious way.  Total household debt was up $63 billion last quarter driven largely by auto loans.  Auto loans increased by $32 billion and the amount of …

The story of inflation between 1996 and 2016

October 30, 2016 – 7:19 pm | No Comment

Inflation is rarely discussed in the mainstream press.  Most people wake up every day and simply believe that prices go up as a natural state.  These deeply held assumptions usually crack when new revelations happen …

Sustaining retirement income in a lower-return world | Vanguard Blog

October 25, 2016 – 3:37 pm | No Comment

The first place to start in a low-return environment would be to minimize your investment costs.
Every day, I seem to have a discussion with someone regarding strategies for sustaining retirement income in a lower-return world. Investors, …

Want college to pay off? These are the 50 majors with the highest earnings. 

October 18, 2016 – 4:18 pm | No Comment

Many of the highest-paying entry-level jobs are tied to engineering and technology majors.
Engineering and technology are among the most challenging fields of study in college, but all of that hard work apparently is paying off, …

Millennials are bogged down by massive student debt and confiscatory housing prices

October 16, 2016 – 5:37 pm | No Comment

Millennials are a critical group in terms of where the economy goes in the next few years.  The economy largely relies on younger people to spend and purchase consumption items.  Think of a young couple …

Securing an Early Retirement: The Blogosphere’s 7 Best Lessons

October 5, 2016 – 1:29 pm | No Comment

You can retire safely when you have 25x your annual expenses invested in income generating assets
At a time when many struggle to save enough for a comfortable retirement, there are a few people who …

Look Out! Retirement Mistakes are Easy to Make 

October 5, 2016 – 1:21 pm | No Comment

As a Certified Financial Planner for Personal Capital, I see too many people who focus on their present financial situation or the few years that lie just ahead. They don’t “look out” to what seems …

Retirement Lessons Learned From Botching Savings Early In My Career 

October 5, 2016 – 1:15 pm | No Comment

At every career stage, it’s all too easy to get caught up in the excitement of new money and forget about re-evaluating your retirement plan.
As we start, grow, and end our careers, our focus shifts …

Why black workers who do everything right still get left behind 

October 4, 2016 – 2:02 pm | No Comment

We’ve known for a while that black Americans aren’t making economic progress. A recent report from the Economic Policy Institute, a left-leaning think tank, shows that the black-white wage gap is now the widest it has been since 1979. What’s more …

With a recovery like this, who needs a recession: 62 percent of Americans don’t even have $1000 in savings.

July 13, 2016 – 4:27 pm | No Comment

The stock market just hit another record high.  Yet only half of Americans actually own any stock.  Real estate prices are ebbing closer to their previous bubble peak.  Yet the homeownership rate is down.  The …

Pinklining: The Financial Threat More Women of Color Are Facing

July 11, 2016 – 1:10 am | No Comment
curly-haired woman doing paperwork

The Great Recession is over. The economy is back on its feet. That’s the popular narrative Americans see and hear every day, but the impact of the financial crisis is still being felt across the …

Investment Tips for Grads

June 10, 2016 – 12:33 pm | No Comment

My Comments: Interview with Christine Benz by Jeremy Glaser.  Really great advice as always from Morningstar.

Putting it on plastic again – Record number of credit cards issued in 2015 surging 90 percent from 2009. 60 million credit cards issued last year alone.

May 23, 2016 – 3:04 pm | No Comment

We love credit cards as much as we hate paying bills.  As a nation we have an addiction to instant gratification.  In the not so distant past, Americans actually had to save money before making …

How To Spot A Home Repair Scam And Contractor Fraud – Life at Home – Trulia Blog

May 10, 2016 – 1:29 am | No Comment

Contractor fraud and home repair scams are all too commonplace. No matter how many reviews you’ve read online, follow these rules to avoid being ripped off.
Imagine: You’re having lunch and a contractor knocks on your …

The education and employment myth: Almost two-thirds of people in the labor force do not have a college degree.

April 11, 2016 – 12:27 pm | No Comment

There is an ongoing perception that most of the workforce has a college degree.  When we say college degree we mean at a minimum a bachelor’s degree.  You would think that with $1.3 trillion in …

1 out of 3 American households can no longer afford rent, food, and transportation. The biggest rise in expenditures comes from rising housing costs.

March 31, 2016 – 5:43 pm | No Comment

The real unemployment rate is nearly twice as high as the stated headline unemployment rate. Only 44 percent of the adult population is engaged in full-time employment. This is also reflected in the 94 million …

Mitigating the Risks of Cognitive Decline

March 28, 2016 – 11:48 am | No Comment

Is Borrowing From A 401K Smart? – Money Matters

March 27, 2016 – 10:49 pm | No Comment

It is possible to use your 401K for a down payment, but borrowing from a 401k isn’t a great idea. Find out why you shouldn’t use your 401k for down payment assistance.
Source: Is Borrowing From …

The Great Inflationary Lie: How you’ve been lied to about inflation and the cost of living since 2000.

March 17, 2016 – 3:25 pm | No Comment

You’ve been lied to about inflation.  That is the truth.  The banking apparatus wants you to believe that there is little to no inflation so they can continue with their money expanding ways but all …

Pin It on Pinterest