‘Unfortunate Work Week’ – For Who?

We had a chilly and wet weekend here in Minnesota. Since our seasons are so extreme, we count on nice summer weather June through August before weather slides into fall and winter. With rain almost all day yesterday and temperatures in the 50s when we went to the garden center today, quite a few people…

FIRE Advice for New Graduates

This past week, I had the chance to host a table at a ‘New Alumni Breakfast’ with 170 graduating seniors at the same high school I graduated from back in the 1980s. My son also graduated from there a couple years ago and I got asked to be involved in the Alumni Association when I…

Summer Travel – Rudy Maxa Thoughts

With Memorial Day over, we are now officially into summer travel season. We have a couple of fun trips planned for this summer – to the Holy Land & Petra in July and Toronto, Canada in August. We generally plan our trips out 3-9 months in advance depending on how adventurous the trip is. Like…

Paying Off Your Mortgage As Rates Rise

Mortgage rates are in the news again as the average rate on a 30 year fixed mortgage reached 4.6% this week. It was the highest the rate has reached in the last 7 years – up 0.7 percentage points from where they were at last year. Fifteen year rates are also up – reaching 4.15%.…

One More Year / Angel Fund Update

Like many early retirees, I worked ‘One More Year’ (OMY) beyond what I had originally planned. I was enjoying work and I had an idea to work OMY exclusively to raise money for a charitable fund. It was an idea that I originally wrote about three years ago in this POST. When I did leave…

Hazy Recollection of MegaCorp

My friend that snowbirds in Florida during the Winter came back to MN a few weeks ago. We are now three tennis matches and three softball games into early summer. The activities we enjoy each week are inevitably capped with a cold refreshment and often with a visit to a new restaurant/pub.  We’ve been to…

Update – Is Bitcoin a Bust or Bounty?

It’s been almost a year since I published my initial post on cryptocurrencies and I thought it would be a good time to provide an update on how our foray into this Wild West of personal finance has advanced – and what I’ve come to believe about their benefits and the confusion around them. PORTFOLIO…