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?...

A couple little charts I created today.  You can see my video on Rumble. Chart 1 Chart 2 The data I used to create these charts is from Robert Shiller’s website. The exact same data but two completely different perspectives. Weird, huh?    The...

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...

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 colors...

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 SS...