Surviving a Shame Storm
Focus on me being Better Not on me being Bitter You plan on using resiliency to survive a shame storm, but you must survive it every time. After rock bottom, you hurt enough to change, grow, and learn to heal […]
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Are Stocks Less Risky with Time?
Stocks and Time People say that stocks get less risky the longer you own them. Stocks are riskier the longer you hold them. You know: don’t invest money you need soon. But for the money you need in retirement, […]
MAGI Calculation: IRMAA and ACA Tax Credits
Calculate MAGI for IRMAA and ACA Tax Credits The MAGI calculation for IRMAA and ACA Tax Credits is vital but usually glossed over. When faced with a difficult calculation, it is easy to wave one’s hand. MAGI is used twice […]
ACA Tax Credits or Roth Conversions in Early Retirement
Choosing between Premium ACA Tax Credits and Roth Conversions in Early Retirement Health care is perhaps the most challenging decision in early retirement. Healthcare insurance is expensive, yet the risk of inadequate coverage is potentially devastating. For an early retiree […]
Rumination and Narcissistic Abuse
Rumination and Narcissistic Abuse Rumination is named after ruminant animals who re-chew their food. It is an unpleasant experience of repetitive thinking that causes disagreeable emotions such as guilt, shame, anxiety, and depression. Rumination is common during and after […]
What Should I do With Highly Appreciated Equities?
Selling Your Winners: Tax Strategies What are some strategies for selling your winning equities? If you have highly appreciated equities, what should you do with them, considering tax strategies? It is a common problem, as people sell their losers and […]
Chaos Theory and the Misbehavior of Markets
Mandelbrot, Chaos Theory, and The Misbehavior of Markets Stock market returns are not just random—they are randomly random. That is, stochastic. While I love the word stochastic, it and Chaos Theory are poorly understood by ordinary people. This is […]
Rick Ferri: The Education of an Index Investor
Rick’s ideas on the Education of an Index Investor.
Investment-Only Variable Annuities: Repurposing Expensive VAs
A Less Expensive Variable Annuity Option: IOVA IOVA Annuities can be less expensive than other Variable Annuities and can be considered if you want to repurpose other expensive insurance products. Regular variable annuities are expensive, complex, and can be full […]