Thanksgiving & Holiday Lockdown

Well, it’s Thanksgiving week and I’m not really sure what I should be doing. I’m not one to get bored, I just don’t know where I should spend my time. Normally at this point of the year, I’m spending time getting our Christmas tree up (2019 picture above), putting white lights up outside, shopping for the Thanksgiving turkey, and making plans for the friends/neighbors party … Continue reading Thanksgiving & Holiday Lockdown

Minnesota Winter / Florida Sunshine

It was unusually warm this past week in Minnesota with sunny weather in the 70s. That never happens in November and we’ve been ‘living outside’ every day. Tomorrow it looks like we get back-to-normal in a hurry with a cold front dropping the temperatures into the 30s with rain quickly turning to snow. In Minnesota, it’s not an exaggeration to say these might be the … Continue reading Minnesota Winter / Florida Sunshine

Election 2020 – Where Are We At?

With the Presidential election this week, I thought I would do a quick portfolio check to see where our retirement portfolio is sitting before the markets react. It seems a big enough change-point, that I would keep track of where we are at – at this moment in time. The good news is that despite the pandemic sell-off in March, we’ve weathered the 2020 storm(s) … Continue reading Election 2020 – Where Are We At?

Board Meeting Busy Time

I always think of the few weeks between Halloween and Thanksgiving as relatively ‘quiet weeks’ relative to the holiday hoopla that comes in December, but it is a very busy time of the year for board work. It seems that every board I’ve worked with picks these same few weeks to get in quarterly meetings before the end of the year. Board work has been … Continue reading Board Meeting Busy Time

Optimistic Update To The 4% Rule

If you’re not familiar with the name Bill Bengen, you probably are familiar with his work.  Back in 1994, he published his Trinity Study suggesting that a 4% withdrawal rate of retirement savings would be ‘safe’ for most retirees, based on historical financial returns. Bengen – now long retired himself – has been in the news updating his thoughts on the ‘4% Rule’, as he … Continue reading Optimistic Update To The 4% Rule