Every year I play the game with my Sirius / XM Radio service. I have it in my SUV and use the app on my phone. I’m not a huge user, but I do like having it. The ongoing problem – as with many subscription services – is that they jack up the price every year if you don’t renegotiate. Over the last year, I’ve … Continue reading AI-Driven Savings
It’s been about three years since we started playing the “Savings Rate Game” (LINK) with Bank CDs and Treasury Bonds. That is, having to manage the savings rate of our cash holdings closely. The 3-Year Treasury rate is now at about 3.5%, down -0.6 pts from one year ago today. When Biden took office in 2021, the 3-Year Treasury was just 0.3%. We didn’t even … Continue reading Savings Rate Game Revisited
If you spend any amount of time in Florida, one thing jumps out almost immediately: lawyer ads everywhere. On TV. On billboards. On the sides of buses. “Been in a car accident? Call now.” It’s hard to drive five minutes without being reminded that someone is ready to sue on your behalf. That observation stuck with me when I started comparing car insurance premiums between … Continue reading Florida Car Insurance
I recently joined an online forum of relatively wealthy investors who discuss portfolios, spending, and travel. One question that someone put a poll up around was “what is your current daily driver”? About 320 people answered – a decent sample size. I answered BMW, since I drive our BMWs more than my Jeep or my wife’s Audi. I wasn’t surprised to see that brand high … Continue reading What Do Wealthy Investors Drive
Our neighborhood investment club decided to have a friendly competition on “best investment” for the next 12 months. We were each assigned to come up with a publicly available investment and track the returns starting 2/2/26 thru 2/1/27. Whoever delivers the best return (including dividends, Klaus) has neighborhood bragging rights. I am typically a conservative, index fund investor, so this is a pretty different challenge … Continue reading Silver & Gold
Since we’ve been chatting about 2025 investment returns, I thought I’d share this article about Dave Ramsey advocating an 8% “safe withdrawal rate” (SWR) for retirees. I generally think Ramsey is a pretty sensible guy – encouraging people to get out of debt, invest in index funds, and build generational wealth. Still, the idea of an 8% SWR seems more than a bit wild to … Continue reading How High Can You Spend?
Frequent contributor, Klaus Wentzel, mentioned that his dividend-driven portfolio was roughly +8.5% in 2025, after netting out the year’s living expenses. I’m watching the Sugar Bowl right now, so I thought I would add up how our portfolio ended the year. For benchmark’s sake, the S&P 500 was +16.6% (x-dividends) and the bond market (VBMFX) was +3.0%. We finished the year with a pleasing +14.3% … Continue reading Terrific 2025 Returns
Wednesday is the last day of 2025, so I thought it was a perfect time to assess the “expert” predictions from New Year’s Eve last year. I looked up a bunch of predictions at the time, and at the end of the year, only 6 of the 14 have been resolved positively. 8 of the predictions were worse that expected. The immediate economy looks like … Continue reading New Years Predictions Assessed
I turned 59½ this year. As we get close to the end of the 2025, that means we now have a green light into our 401Ks. With paid corporate board work behind me, our income has dropped sharply—in a good way. No W-2s, no consulting, just modest interest and dividends. We’ve been living off cash from selling our rental property, which has pushed our federal … Continue reading End of the Year Roth Conversion
This weekend, I met with my brothers (and wives) to talk about my Mom’s finances. We meet occasional over Zoom to discuss any pressing matters and I was getting a bit concerned about her exposure to scammers. So many people I’ve talked to have stories about their parent getting scammed over the phone or computer. My Mom has gotten some of these calls herself. They … Continue reading Locking Out The Scammers
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