Series I Bonds

SERIES I SAVINGS BONDS

One type of investment offered by the U.S. Treasury is often forgotten—I Bonds. When I was young, my parents bought U.S. Treasury Series E (purchased at a deep discount) or H Bonds (purchased at face value) for me. I bet someone in your family owned them, too. I cashed in some of them to purchase …

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Running Upstairs

UPWARD MOBILITY

Upward mobility: the capacity or facility for rising to a higher social or economic position. (Merriam-Webster) Not every person reading this blog strives for upward mobility, but I would wager that most of you do. It is the idea that you want to make a better life for yourself, your family, and your heirs. Some …

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Trees & NFTs

NFTs AND TREES

What are NFTs and what do they have to do with trees? Good questions! We’ll get to NFTs in a minute, but first let’s look at trees. I recently spent a weekend with family at a beautiful cabin in the forest. We are fortunate to regularly escape the heat of the summer and relax in …

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Let your light shine

LET YOUR LIGHT SHINE

I have a block of time that I set aside for “quiet time” or meditation each day. I must admit that some days I let other “pressing” matters take over that time slot and then I inevitably regret it. My quiet time is time I try to spend either in nature or observing it. I …

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Municipal Bonds

WHAT ARE MUNICIPAL BONDS?

First, a quick review of bonds in general. You might want to refer to my blog, Asset Allocation = Investment Chili. In that blog, I talked about taxable bonds—those issued by corporations to fund operations, research, or capital improvements. Bond Review Bonds represent debt, an IOU, or a loan. When you own a bond, you …

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Father's Day

THE LITTLE MIRACLES IN LIFE

Have you ………. “… thought of someone you haven’t talked to in a while, only to hear from them several days later? … had a feeling that something was going to happen, and soon after it plays out exactly as you’ve imagined it? … heard a song lyric on the radio or seen a message …

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Mutual Funds & Asset Allocation

ASSET ALLOCATION MUTUAL FUNDS

Do you remember our discussion about asset allocation? Asset allocation is the process of dividing the money in your investment portfolio among stocks, bonds, and cash which are also called asset classes. For a review of asset allocation, check my Asset Allocation = Investment Chili blog. As you allocate funds between the three asset classes, …

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Woman Thinking

MID-LIFE PANIC

One of my readers asked me to address a situation that is not uncommon. What do you do when you reach mid-life and realize that you are not on track to have enough to retire? Or perhaps you saved well but realize you may need to work longer or change your retirement plans because you …

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