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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 …

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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.

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

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Articles in Money Matters

How to live it up without going broke before you die

April 23, 2018 – 6:20 pm | No Comment
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I know how to save. It’s in my DNA.
Spending, now that’s a challenge. My dog chewed away part of the cushion on the inside of one of my shoes. You can clearly see his bite …

4 steps to prepare for a secure retirement

April 21, 2018 – 10:39 am | No Comment
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I enjoy almost every aspect of cooking, from finding recipes to plating. (In fairness, does anyone really enjoy cleaning up afterward?)
I spend about 45 minutes planning, preparing, and plating a meal that takes my family …

Meet Vicki Robin, the FIRE Early Retirement Community Idol

April 19, 2018 – 1:00 am | No Comment
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Vicki Robin literally wrote the book on retiring happy.

Vicki Robin had no idea she’d become a millennial icon.
The 72-year-old coauthor of the 1992 bestseller Your Money or Your Life was recuperating from a hip replacement …

How to Retire on $500K In Your 50’s or 60’s

April 2, 2018 – 5:08 pm | No Comment
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Yes, it’s possible to retire on $500K in your 50’s and 60’s. Here’s how to do it safely and stretch your dollars as much as possible.
Question: Is it possible to retire on $500K (i.e. $500,000) …

Where Are We in ‘The Cycle’?

March 4, 2018 – 2:34 am | No Comment
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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
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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
Retire-spend

 

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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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 …

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