Callan24

Callan Chart 2024

Callan Chart 2024: Two Decades in Review The Callan Chart is evidence that humans are pattern-seeking animals. From Rorschach tests to stuff seen in clouds, we seek to impose structure and design where there is none. So, too, with investors […]

Continue reading
retirement: a false dichotomy

Retirement: A False Dichotomy

Should I Retire: a False Dichotomy   The question should I retire is not a yes or no question. Whenever you only have two choices, that’s a false dichotomy. There are always more than two choices if you are honest. […]

Continue reading
money market cash flows

Performance Chasing

2023, an Epic Year of Performance Chasing This year is a great example of performance chasing. Flows into money markets are at record highs; meanwhile, despite massive Fed rate increases, the economy seems ok despite inflation spiking to 9%, and […]

Continue reading
wine as an investment

Investment Grade Wine

Fine Wine as an Alternative to Bonds  What about fine wine as a bond alternative? Investment-grade wine is in a correction in 2023. Will investment-grade wine do better than the 5% you expect from bonds? Wine an Investment Generally, wine […]

Continue reading
Introvert physicians are pretty common

Introvert physicians are pretty common

The Pretty Common Introverted Physician     It is time to meet your friendly neighborhood introverted physician. There are quite a few of us in medicine. Perhaps up to 1/3rd of us are introverts (as opposed to extroverts, of course), […]

Continue reading
Social Security Bridge Strategy

Bridge the Gap and Optimize Social Security

Social Security Bridge Strategy This comprehensive guide helps you Bridge the Gap to optimize social security: a Social Security Bridge Strategy. Optimizing Social Security is an important component of retirement financial security. Frequently, it pays to wait to claim your […]

Continue reading
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 […]

Continue reading