All over the map

I find the budget line 'Auto Insurance' is just that, all over the map - from $800 to $1600 a year for an individual, up to nearly $3000 a year for a couple. And, the low price isn’t always from the same company nor for the same driver profile – it’s random....

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Is -43.1% okay with you?

If that’s your annual return, it’s a scary number. But some investors might not think so – why not? They might not be shocked because they chose a very aggressive allocation. Your allocation needs to reflect your financial goals, risk tolerance and ability to save. In...

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In the news…again!

A December 2019 graduate of our 3rd Decade™ program wrote an opinion piece on her experience in the program. It appeared on Thrive Global, a website founded by Arianna Huffington to “help individuals, companies and communities improve their well-being and...

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John C. Bogle

A graduate of the 3rd Decade™ Program sent me a link to an article he’d come across online: “It reiterates and reaffirms what TCI preached in class about holding onto investments even though the market can be risky because it will still outperform…in the long...

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Tree pose

Just about a year ago I blogged about the importance of rebalancing your portfolio and gave a ‘how to’ example. This year I’ve added a column for 2018 returns – what a difference a year makes! You should rebalance your portfolio at least once a year, more often if...

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The market is choppy

You probably didn’t need me to tell you that – it’s all over the news. Even though logic dictates that what goes up must come down, the drops get our attention. And, despite the fact that it’s these very movements, these risks that create the market and the rewards we...

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Looking back to look ahead…

I am fortunate to have a circle of happy, successful friends, many of whom I hike with on a regular basis. Hiking is great exercise but also an opportunity for great conversation. With 2019 approaching, one conversation turned to making goals and a friend shared the...

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Truce

I’ve been studying World War I. In a word, it was horrifying – 40 million military and civilian casualties. There were, of course, many stories of bravery and kindness along with the brutality. Here’s just one story of mans’ humanity to his fellow man. This was a war...

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The Swift Family Holiday Letter

You wouldn’t expect Bob Swift to send out the typical holiday letter – oh no! Not only does he have fun with it but it’s the Swift family budget…from 1992. Fun aside, the charitable contributions line prompts me to remind you that you can choose to re-direct tax...

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She’s on FIRE!

In recent blogs I’ve discussed the FIRE movement (Financial Independence Retire Early) and the potential pitfalls of early retirement. Left unaddressed is how to pull it off – does it take a big income? or monk-like frugality?? Here’s how one 3rd DecadeTM graduate is...

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