Personal finance

Savings vs. stimulus

The current economic recovery is weak, but that’s hardly news. There are many explanations for this meager improvement, but perhaps one of the most telling is a large jump in personal savings in the United States.… Read more

Investing

Musings of a cockeyed optimist

I can’t sing a lick, but a tune from the Rodgers and Hammerstein musical South Pacific came to mind as I was thinking about the pervasive pessimism in so much economic and market commentary.… Read more

Investing

Taking another “random walk”

I recently had the chance to reread A Random Walk Down Wall Street by Burton Malkiel as part of a work-related book club.

Having read the book in a business school class very early in my career, I promptly ignored … Read more

Economy & markets

More on the fiscal outlook

My recent post on the government’s fiscal outlook generated several thoughtful comments.

Two readers mentioned Paul Krugman’s op-ed on Social Security in The New York Times. It is true, as Krugman points out, that Social Security is only a … Read more

Personal finance

Do you have the college mindset?

Beloit College has once again issued its annual “Mindset List,” this time for the class of 2014.

While much of the press uses this list as a way to emphasize new college students’ youth and inexperience, Beloit describes … Read more

Retirement

Does the 4% rule hold up?

I’m often asked what I think about the “4% rule” for spending in retirement. According to this rule of thumb, an individual who is planning on a 30-year investment horizon and is holding a broadly diversified and balanced investment portfolio … Read more

Personal finance

On “Mad Men” and mad money

For those of you who watch or have heard of the hit series “Mad Men,” you’ll know that the show provides an interesting story line, some fascinating characters, and great commentary on the social mores and gender differences of the … Read more

Retirement

The fiscal outlook: Tough choices ahead

The long-term budget outlook for the federal government is bleak. What is surprising is that this is considered news.

The forces driving the U.S.’s long-term budget problem have been known for decades. We’ve also known for years that sometime in … Read more

Retirement

Retirement: Who’s ready, and who’s not?

Here’s the good news: Half of Americans are “on track” financially for retirement.

The bad news? The other half aren’t. … Read more

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