In our last article, we looked at some of the causes of the “Great Recession” of 2008 and suggested that there are signs that we could be headed toward a market correction or even a recession based on an over-valued stock market, increasing household and government debt, and rising interest rates. There are differences between 2018 … Read more
This month could be considered the ten year anniversary of the start of the “Great Recession.” Most of us will remember the trials and tribulations of the financial upheaval that worked its way through the U.S., Canada, and Europe in 2007-2009. Only in the last few years have we seen a significant recovery in all … Read more
I recently was asked an interesting question by a church friend concerning his elderly mother. Like many of us, he is a ‘boomer’ and has an 85-year-old mother who currently lives in an assisted-care facility. Her expenses are being paid for by Social Security, a military survivors pension, and long-term care (LTC) policy. Her living … Read more
This aricle is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on June 6, 2018, and updated in January 2026. When it comes to choosing your approach and how to implement it, you have several choices here. The main distinction is between doing it yourself (DIY) and hiring an investment … Read more
In Investing for Retirement – Parts One and Two, I introduced a ‘framework’ for investing for retirement and discussed different asset types and holding options, and also active versus passive management styles. Once you make those decisions (or have some idea what you want to do), you’ll need to decide how you want to implement them. … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on May 23, 2018, and updated in January 2026. Once you’ve determined your investment approach and strategy, the next critical question becomes: What specific assets should you actually own? This is where the theoretical meets the practical—where your carefully … Read more
This is the second article in a three-part series about investing for retirement. In the first article, I discussed the various types of assets you could hold as investments. In this article, I’m going to look at the different ways you can invest in them and different management styles (active versus passive.) The better you … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on May 9, 2018 and updated in January, 2026. Your “future wealth” (FW) becomes “current wealth” (CW) when you reach retirement. In the Retirement Financial Life Equation (RFLE), current wealth represents your starting point—the accumulated assets you bring into … Read more
If you have followed this blog for very long, you may have noticed that I don’t write much about investing. There are several reasons for that, not the least of which is that I am not a professional financial advisor and I’m not qualified to make recommendations to other people about how to invest their … Read more
