Summer is the perfect time to check in on the financial goals set in January at the beginning of the year. Columnist Ann Carrns outlines how to conduct a personal audit, which is essentially a financial health “checkup.” Why It’s Smart to Revisit New Year’s Savings Goals Now There’s still time this year to make adjustments, especially with… Continue reading →

The Rebalance tried-and-true adage remains the same, echoed by this NYTs columnist: it is nearly impossible to beat the stock market. The most prudent long-term investing strategy is to “own” the entire stock market through low-cost, broad exposure index funds. Source: The New York Times April 14, 2023. With the Odds on Their Side, They… Continue reading →

A lot of money can be left on the table when retirees collect Social Security too early. Read on about a recent study that illustrates why it pays to wait. The High Price Retirees Pay for Collecting Social Security Too Early A study suggests that many retirees give up tens of thousands of dollars By… Continue reading →

It seems like everyone these days has started a foundation. There’s a reason for that. It’s easier than ever to create one and there are many incentives to go down that path, even with smaller amounts of money. The reason such “foundations” are so prevalent now is because most of them are, in fact, the… Continue reading →

The late John Bogle, the founder of Vanguard and for many decades the strongest proponent of common sense investing, had a wonderful way with words. By turning a phrase inside out he could change one’s perspective completely.  During challenging markets he famously would say, “Don’t just do something. Stand there!” Everyone has experienced that panicked… Continue reading →

Traditional home buyers should think through the implications of buying a house with cash and fully understand the long-term effects of such a decision. Today’s housing market clearly has buyers coming to the bargaining table with an offer that’s hard to ignore: Cash offers with no delays and no hassles for the seller. Offering to… Continue reading →

Thousands of people retire every day, either stepping away from long-term careers or downshifting into either full retirement, a second act that pays less, perhaps a fledgling business idea, or a passion project that pays nothing at all. Retirement is a glorious transition that should be celebrated, but too often this change of life creates… Continue reading →

Picking a date to retire is a big decision, even in the best of times. What does one do in an environment of rapidly rising inflationary pressures? After all, being retired means living on an income that is likely to be the same or less than you had when working, and there will be no… Continue reading →

A goal is a dream with a plan and a deadline, as the saying goes. So what does your dream of retirement life look like, and I mean really look like? Making a commitment to your retirement goals requires getting your financial life in order today. That means writing down a financial plan, and I… Continue reading →