Our financial planning clients know that one of the great concerns during financial independence (retirement) is the uncertainty regarding healthcare costs. In fact, for the past twenty years or so we have modeled healthcare costs using a 6% annual inflation rate, twice the general rate of 3%. I still recommend this, however, there is the possibility that new technologies can… Read more →
Category: TechKnowledgey
A Note About Inflation
A note about inflation. For quite a few years now, some experts have predicted great inflation due to the easy money policies of the Fed since the Great Recession. For example, Larry Kudlow, President Trump’s recently appointed Director of the National Economic Council said the following in response to a question during an interview published in Townhall.com on May 5,… Read more →
Now Women, That’s A Whole ‘Nuther Thang!
Now women, that’s a whole ‘nuther thang! — Keb’ Mo’ Keb’ Mo’ is a blues singer, a Grammy Award winning blues singer. Like most blues singers he writes songs that are unpretentious, down to earth. Songs like the one named above. Question: Very interesting, Carl, but what does that have to do with my financial plan? Answer: It might have… Read more →
Our investors have done well!
Our investors continue to gain on inflation! Investment advisor regulations discourage citing specific investment results here, but I can say that our clients’ investment portfolios have, in general, grown faster than inflation over the past 5 years! Specific information is available to our IM clients. Note: The calculation used to determine our clients’ returns is called the internal rate of… Read more →
An Excellent Last 12 Months for Investors
The past 12 months ending February 13, 2017, have been particularly good for our investors. Investors’ IM reports are posted. The calculation used to determine our clients’ returns is called the internal rate of return. It is cash-flow-specific and net of all fees and expenses. It represents the average return our investors experienced during the period. Shown below are the… Read more →