We need to tackle the big scary monster that lurks in every retirement conversation: long-term care costs. You've probably heard the frightening statistics. “The average cost of a nursing home varies significantly by location, but recent data from 2024 shows a...

I want  to revisit a huge issue that is often overlooked with Monte Carlo scenarios.  Remember, Monte Carlo’s provide a probability of success around three inputs, return expectations, volatility around those return expectations and inflation.  The problem here is...

I Don't Understand the DoomsayersCheck this out. Low fertility rates lead to declining populations for our economic competitors:Now look at this:Oh and maybe most importantly there is this:Now there is this:And one could make an argument that China...

This article appeared in The Standard newspaper, published in Cassville, Georgia, on November 26, 1857, during a period of financial panic and banking controversies in the United States. Money is gold and silver coin. It became such to the American people...

A story from the Fredericksburg Herald in 1857 illustrating the power of debt circulation The Story A merchant from Fredericksburg went to Carolina Court carrying a $100 bill. Shortly after arriving, he used this money to pay a debt he owed to a local farmer. The...

By: Karl Swelling at Swelling.com In May 2023 the pastor of our independent Baptist church brought in someone to speak on Biblically responsible investing. I didn’t day trade, which I viewed as gambling, so I assumed I wouldn’t get much out of his message. But he...

By Desert Bill: Trump has committed to eliminating Social Security Taxes as part of his "One Big Beautiful Bill" now passed.  This is a "big one"  for the Senior community.   See Newly Passed - OBBB     ...

Guest Post from Bill in Arizona The Senior Citizen tax relief in the "Big Beautiful Bill", passed by the House, is an additional Standard Deduction increase for Seniors over 65 of $4,000 (singles) and $8,000 couples.  The attached video and Tax Foundation link...

I Love Social Security! I know, I know, I can't be a right-winger by saying that. But facts are facts, and until Social Security started Americans didn't have a retirement system at all. Hardly anyone talked about retirement planning.  In fact, if...

  Charlotte and I were at a Veterans Day breakfast a few years ago held at our Town Hall.  Many local politicians were there, our mayor, town council members and even a couple state reps too. It was a very relaxing event held solely to honor the town's...