We need to heal the wounds that divide our nation. I’m not talking about the upcoming midterm election, I’m talking about what we do with the heaps of leaves that fall on our lawns each autumn. Like politics, we’re divided into two parties that don’t seem to understand each other: the “BAGGERS” and the “MULCHERS”. The Baggers are lawn traditionalists. They believe that it’s critical … Continue reading Our Divided Nation 🙂
Northwestern Mutual just published their 2022 Retirement Planning & Progress study. It’s not a surprise that people are quite worried about the huge drop in their retirement accounts & soaring inflation over the last year. As a result, people are concerned their savings are way behind. Still, this chart was quite surprising to me. It shows that almost one-half of Americans have no idea how … Continue reading Ignorant Is No Way To Go Through Life
With inflation (CPI) running a hot 8.3% for the twelve months ended in August, the Federal Government is busy adjusting numerous spending & tax parameters for the new year. Social Security is leading the way with a 8.7% cost-of-living adjustment for 2023. Here are some of the other changes due to inflation: IRS tax bracket “break points” are going up 7.0%, on average. The standard … Continue reading IRS Changes Don’t Keep Up With Inflation
With Halloween in the air this month, perhaps it’s fitting that regular reader and disciplined dividend investor, Klaus Wentzel, sent me this outstanding case study in fighting ‘Vampire Fees’. You know, those hidden fees and billing changes that companies increasingly tack onto our routine bills? Klaus has had extraordinary success in getting into the details of his monthly bills and uncovering hundreds of dollars in … Continue reading Fight Those Vampire Fees!
As the days grow shorter, our neighborhood is starting to light up at night with Halloween decorations. I usually set up a few things about a week or 10 days before Halloween night. My “decorations” are limited to some orange lights, flicker bulbs in our outdoor fixtures, and a few Halloween blow-molds like the ones above. I have these exact three. Each are about 3-feet … Continue reading Surprising Halloween Collectibles
I’ve always subscribed to the Thoreau quote: “Live in each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each.” Autumn is perhaps the season with the fullest potential “bucket list” of activities, since the weather is still nice, nature is taking a dramatic turn, and people fall wistfully back into so many family … Continue reading Autumn Bucket List
My son sent me this hopeful chart today. It shows how the stock market has fared following a 25% decline in the S&P 500 over the last 70 years. Of course, as they say, past performance is no predictor of future performance. Still, it is nice to see that big market drops have historically turned back to growth rather quickly. I had hoped that our … Continue reading When Will It Turn?
Wildfires in California. Hailstorms in the Midwest. Hurricane Ian in Florida & South Carolina. It’s a crazy year for home owners insurance. On top of that add in the crazy inflation in the home construction market. After two white-hot years, only now are home prices starting to slow down from higher interest rates. We just got our 2022-2023 premium statement from State Farm. We received … Continue reading Homeowners Insurance Inflation
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