Alert, Dear Readers, I have found religion! No, it is not the International Church of Cannabis that is walking distance from my house. The Good Book to which I near constantly refer is Gretchin Rubin’s The Four Tendencies. This is the thirteen-question personality test I’ve been looking for all my life! Simple, easy to…
Being the ultimate in small businesses, a company of one, I’m always thinking of ways to have higher profit margins without sacrificing customer service or constantly raising prices. Sound familiar? So, here are three ideas from that awesome business coach, Mr. Internet, that might be helpful to us both. Don’t try to look “big”…
As a fair and balanced blog writer, this week I am following up a blog about why retirees should not worry about Roth conversions with three reasons why such a move could be a good idea. It’s a nice thing to do for your kids: Any IRA money inherited by your kids will need…
There is so much talk, writing, podcasting, etc. on Roth conversions these days. Ultimately, I don’t feel doing Roth conversion (or not) will materially impact the retirement cash flow of 90% retirees. It might affect their estate plan, but that’s another blog for another week. Specifically next week. Here are three reasons I think…
A line item that is often bigger than I expect in client budgets is pet care. Okay, face it, it’s dog care. I don’t have a lot of clients with ferrets or llamas and cats are very low maintenance. Herewith, three ways to save money on pet care – so you can add more to…
The Fourth of July is loved by most teenagers, many America lovers, and pyromaniacs everywhere. Those who hate it: dogs, people with sensory disorders, and my sister. Here is what Twitter says about the ways we celebrate American Independence. To celebrate the 4th of July, I’m going to walk around the mall parking…
It’s getting hot out there and what could be better to our inner child/outer adult than a gourmet popsicle or other cool treat. Here, in no particular order are some top-rated scoops and sticks in Denver from Yelp. HipPOPS food truck click here for locations received consistent 5-star reviews. Patrons extolled the mango popsicle…
…invest in the latest fad, at least do it prudently. This is sort of like your mother saying, “If your friends jumped off a cliff, would you? Yes? Then, please pick a small cliff.” I know that my position in putting money in the latest social media darling investment is clear. But, just to…
To continue the theme – or maybe you call it a months’ long rant – about why Robinhood/Bitcoin/Reddit, etc. cloud the concepts of real, grown-up investing, I’d like to show an example of rates of return and life. Scenario: Joe is 40 years old and has $500,000 saved for retirement. Good job, Joe! Joe…
I’ll try to make this concise: This clamor for Bitcoin/Game Stop/SPAC returns and shunning of traditional investment portfolios is nothing new. See my 5 Famous Bubbles Blog for a reminder. What seems to get lost in all the clamor of investing for the biggest returns (damn the torpedoes, etc.), is WHY are those returns…