Prepare For Low Stock Returns, Here’s Why

Let’s cut right to the chase and start with how stock returns are generated.  John Bogle in his book Common Sense on Mutual Funds states: We can use the historical data to answer a simple question: Why have stocks provided long-term real returns of 7 percent?...


Bonds Look Good Now

See that? Now look at this: What do you see that jumps out at you?   Well, let me tell ya.  The 10 Year Treasury bond yield has dropped from 4.25 to 3.68 in a month’s time.  That’s a 13.4% DECLINE, again in a month’s time.     Now notice the Vanguard GNMA...


How I LOVE Thanksgiving

Maine, in the winter, is a scary place. It’s cold, dark and dreary…for months on end. Maybe that’s why I so love a flower and a butterfly. When they appear you know winter is behind you. No weatherman needed.   After the gray of the long winter, the...


John is 61, Single, No Kids – Can He Retire?

So I get this email from John: I’ve been in my COJ nearly 20 years and I desperately want to take my pension and find part time work close to home and later in the day so I can sleep bc I have sleep disorder. my pension will only be about $1200 a month. If I take...


Paul Samuelson – A Joke of an Economist

So I’m reading an interesting article written in 1975 titled “Securites as a Hedge against Inflation: 1910-1969"  by a business professor at the University fo Iowa named Robert M. Soldofsky. I can’t link to the article because it’s behind a paywall. More to...