Mortgage Acceleration Calculator

Does Mortgage Acceleration Work?

Velocity Banking Calculator Does mortgage acceleration work? How can you more efficiently use your paycheck to accelerate your mortgage payoff? Use “offset accounting” to make interest while offsetting or reducing the balance of another account. So, for instance, you have […]

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On Becoming “Not Unhealthy”

On Becoming “Not Unhealthy”

The Not Unhealthy Parent   As a single parent, my goal in life is to be not unhealthy. Generational trauma runs in most families and is seen in parents and children. It takes a single person to put an end […]

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Bond Tents for Retirement Asset Allocation

Do Bond Tents Beat a 60/40 Portfolio in Retirement?

Bond Tents for Retirement Asset Allocation Bond tents and Rising Equity Glidepaths are styles of glidepaths. Glidepaths describe the modulation of asset allocation before and after retirement. For example, traditional target-date funds decrease the stock percentage to or through retirement […]

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Retirement Spending Smile

Retirement Spending Smile vs. Lumpy Expenses

Retirement Spending Smile or Lumpy Expenses? Future expenses are a major puzzle in retirement. How much money will you need to spend in the future? You have ‘guaranteed’ lifelong sources of income, such as social security, pensions, and income annuities. […]

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