Archive for the 'Uncategorized' Category


Took a Break, and continuing to take a break (if I feel like it)

Hi Team.  It’s been a while.  Life is busy and there are many things I would rather do than spend oodles of time updating this blog on a quasi regular basis.  I did have an excellent Christmas season and a vacation to SE Asia over Thanksgiving.  And a most excellent powder day skiing a couple weeks ago (it was the kind of day that completes your season, even though it was in December).  And those are the things that are important to me – family, food, friends, traveling and skiing (in somewhat that order, depending on the day). 

Going forward, I will post sporadically, or whenever I feel like it, and people will continue to not read this blog.  But, for the 2 people who somewhat liked what I wrote I about, there is no reason to flood the streets with tears. I will be posting over at Harry’s blog on what we have agreed to be a monthly basis.  

Be sure to check over there and read his blog, as it is good stuff.  And buzz on over and take a look at my first guest post for him on Being Average.  Not only will you find no one is average, but it is a terribly misleading number.      


Bonds – Types

  1. Types
  2. Bond Pricing & Risk
  3. Buying a Bond Mutual Fund

For some reason, stocks are much more understood than bonds.  Bonds are nothing more than loan to an entity, aka a debt investment, with the promise of the entity to pay interest in some form and repay the principal back after a pre-arranged duration.  Perhaps it is because we have to crunch actual numbers to understand the value of bonds instead of just sticking our finger in the air and saying, “that looks about right!”  Either way, we hope to show bonds are nothing to be scurred of.  In fact, we are all probably aware of how bond pricing works if we have at one time taken on debt.  With bonds, you are just on the other side of the table.  And after our series, a reader should be able to make educated decisions about investing in bond mutual funds.

Continue reading ‘Bonds – Types’


The war on savers, more than just CD interest rates

Recently we read Robert Wenzel’s brazen speech delivered at the fed. Regardless of who actually attended the speech, bromances are spawning.

In conclusion, it is my belief  that from start to finish  the Fed is a failure. I believe faulty methodology is used, I believe that  the justification for the Fed, to bring price and economic stability, has never been a success. I repeat, prices since the start of the Fed have climbed by 2,241% and there have been over the same period 18 recessions...The noose is tightening on your organization, vast amounts of money printing are now required to keep your manipulated economy afloat. It will ultimately result in huge price inflation, or,  if you stop printing, another massive economic crash will occur. There is no other way out.

We all know interest rates for savings are hardly anything to get excited about. Anyone can feel the pinch at the grocery store while seeing their money in a CD is loosing spending power. But, is the Fed’s policy of keeping interest rates low just hurting your savings account? Here are three other ways low interest rates are hurting savers.

Continue reading ‘The war on savers, more than just CD interest rates’


Gratitude for being able to care about minutiae

While this blüg is mainly about investing for retirement and we promised ourselves we would leave lifestyle topics out, we can’t help but reflect on how grateful we are to live a very comfortable life.

With one of us being of Korean heritage, an article was sent to us about a North Korean woman’s escape from the awful conditions and tyranny.  If you don’t want to read the whole article (and you should), we will summarize what was endured.  A woman and her family lived off of grass as their main source of nutrition.  Continue reading ‘Gratitude for being able to care about minutiae’