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Archive for the 'Life cycle planning' Category

The Other Three Legged Stool

Saturday, September 7th, 2013, by

In our last post we revisited the time honored tradition of sourcing your retirement income from three solid streams of funding. Today we look at the non financial aspect of your lifetime goals…your physical well being, and how it too can be strengthened by three distinct disciplines. The goal, simply put, is to tightly compress […]

The Three Legged Stool: Version 2.0

Saturday, August 31st, 2013, by

Here’s an ancient rhubarb that we once learned about our ultimate retirement funding. The three legged stool. For those of you too young to remember, the three legs of the stool were: a.  Social Security b.  Your defined benefit pension payment, from your thirty plus years of employment with the same benevolent employer. c  Your […]

Taking the Plunge After Cutting the Cord

Monday, May 27th, 2013, by

This holiday weekend has me thinking about the vastly different world we are passing on to our children and grandchildren. The question that was asked of young men in my generation was…”what branch of the military did you serve in?”.  Since the draft was abolished forty years ago, the question has no real meaning today.  […]

The Best and Greatest Community Resource: Your Local Library

Thursday, February 21st, 2013, by

Something is very wrong with this picture. You’ve seen it every time Apple comes out with a new version of one of their core products…the long lines in front of their stores, with some camping out overnight, to be among the first to…what…just to buy a consumer electronics product? Don’t get me wrong.  I love […]

Losing Weight: An Eighteen Month Journey

Friday, December 7th, 2012, by

Let’s start with the usual disclaimers.  Just because it worked for me doesn’t guarantee that it will work for you. And yet the fact remains..I’ve lost 38 pounds in the past year and a half…and more importantly,  show no indication of putting it back on as has happened so many times in the past. It […]

The end of a long Trend: Life Expectancy Data

Friday, November 2nd, 2012, by

It’s no longer such a shock to think of diminishing financial expectations for the next generation.  The fact is, that adjusted for inflation, family incomes in the middle quintiles have barely moved the needle for the past ten to fifteen years. I don’t see anything sinister as to the cause.  It’s simply that businesses have […]

Fat, Sick and Nearly Dead: The Movie

Tuesday, October 23rd, 2012, by

What do you think is the best value in entertainment today?  It would be hard to beat the nominal $8.65 that Netflix charges for its internet streaming service. Admittedly, you will not have access to the most recent hot movies, but if you enjoy documentaries as much as I do, this service is a treasure […]

What we worry about most in Retirement

Friday, October 12th, 2012, by

You might be interested in the results of the most recent Merrill Lynch Wealth Management survey of affluent households.  The question posed: What is your top financial worry? For me, that’s an open invitation to a very long laundry list.  How about the five trillion dollars that has been vaporized in the past four years, […]