Early Retirement Blog

Investing is for idiots, dummies, and fools.  Why?  Because unless you answer yes, to any of  the following questions, the odds are 90% that you will do worse by actively investing instead of simply maintaining a proper asset allocation. Are you.. A senior executive at Goldman Sachs, J.P. Morgan, or one of the top 20 [...]

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Wall Street loves TIPS.  No, I’m not talking about hot stock tips or inside information, although Wall Street certainly loves those kinds of tips, I’m talking about Treasury Inflation Protected Securities (TIPS).  In the last auction of TIPS, for the first time ever, the TIPS sold with a negative yield. A negative – 0.55 yield [...]

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The Dow hit 10,000, while the dollar collapses, and unemployment reaches 10 percent – it’s not a coincidence.   Unemployment and the collapsing dollar are the two principal reasons why the Dow Jones 30 has risen 50% from it’s low in March. Artificially low interest rates, and investment bank speculation, have also played a significant [...]

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Nouriel Roubini – Economist Rock Star Who talks about astrologists and psychics anymore?   If you want to know the future – ask an economist. Economists study and know the internal workings of that strange beast called the economy.    And as you know, the economy affects you, and your job,   and the value [...]

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Who says you can’t earn big returns in a recession?  Even if U.S. Government Bonds pay nothing,  the stock market and housing both lost 40% last year, you can earn huge risk free investment returns.   That’s right, you can earn 9%, 13%, 21%, maybe even 28%, risk free investment returns.   How? Pay off [...]

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I would like to thank Bernie Madoff for doing me and the American people a great favor.   Bernie Madoff’s arrest, after 20 years of running a Ponzi Scheme, has begun to open people’s eyes to the truth about Wall Street.   Sooner rather than later, the American people are going to finally realize, that [...]

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Doubling Down on Disaster Warren Buffet, America’s best known and wealthiest investor, is hoping you will help him out and buy his Bull.  With the stunning news that Berkshire Hathaway’s profits dropped 96 percent in the fourth quarter of 2008, he has sent out his customary letter to company shareholders, telling them they should continue [...]

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There are several reasons why you should fire your financial planner. The most obvious reason to fire your financial planner, is because he or she lost half your life savings in the recession, begging the question why ever seek their advice again? The not so obvious reason to fire your financial planner, and do your [...]

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Why the Rich Love Being Green A surprisingly large number of people, who use our Early Retirement Planning Software, are rich millionaires.   Green Retirement benefits the middle class the most, reducing the savings they need for retirement,  enabling them to achieve their retirement goals. So, why would rich people who don’t have to worry [...]

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Boost Retirement Income with The Dogs of the Dow Just because you have an asset allocation in stocks, does not mean that you have to forgo income, you can achieve higher rates of return than Treasury Bills or Money Market Accounts by considering the popular Dogs of the Dow for your stock portfolio.   Almost [...]

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