No Tax on Gifts Exceeding $16,000 per Year
Many are under the mistaken belief that they will have to pay a tax if they make a gift exceeding $16,000 in a year, but this is false.
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The Criticality of the Decade Before You Retire
The decade leading up to a person's retirement is usually risky, though steps can be taken to make one's plans more resilient.
Should You Focus on Reducing Your Expenses or Increasing Your Income?
We need to find the right balance of reducing our expenses and increasing our income to build a secure financial future.
Can a Christian Own a Mutual Fund?
As stewards, Christians are called to grow what God has entrusted them with, though they must seek to do so only in ways that honor Him.
You Have More than Rockefeller
In many ways, you likely have more than John D. Rockefeller did fewer than 100 years ago.
How to Use the Need/Ability/Willingness Framework to Set Your Asset Allocation
The need, ability, and willingness framework can help investors understand how much risk they should take on, but it is confusing to many.
What We Can Learn From Older Americans' Financial Regrets
The biggest financial risks of older Americans were recently examined. Some of these regrets make sense, while others don't.
How to Move Funds From Your HSA to Your Roth IRA
Many with HSAs pay for medical expenses out of pocket and retain receipts to be reimbursed later, but there is an even better plan for many.
The Financial Cost of Eating Out
The difference in the cost of eating out vs. preparing one's own food is substantial, likely much more than most realize.
Our 'Non-monthly and Irregular Expense' Fund
For nearly a decade, we've used a fund to pay for non-monthly and irregular expenses, and it's smoothed out our cashflow significantly.
Long-term Care - Part 3: Strategies for Funding LTC
In this third and final post in the long-term care series, I discuss various strategies for funding long-term care.
What is Christian Stewardship?
In this post, I explain what Christian stewardship is and the three guiding principles underlying it.
Why I Don't Like the Callan Periodic Table of Investment Returns
The Callan Periodic Table of Investment Returns is used to demonstrate the value of diversification, but it has some big problems.
Long-term Care - Part 2: Insurance
In this second post in the long-term care series, long-term care insurance options are discussed.
Long-term Care - Part 1: The Risk
In this first post in a series on long-term care, its financial risks are discussed.
Take Out a 30 Year Mortgage to Pay Off in 15 Years? At What Cost?
Taking out a 30 year mortgage that one plans to pay off in 15 years to retain flexibility seems common, but it comes at a high price.
Advantages from Delaying Social Security Benefits
Most of those eligible to claim Social Security benefits do so early, but this can be detrimental to a long retirement.
The Proper Use of Insurance
Insurance is one of the key tools used to build a prudent financial plan. But there are many times when it should be avoided.
The Superiority of Inflation-Linked Bonds for Most Investors
In this post, inflation-linked bonds are shown to be less risky than nominal bonds for funding consumers' future spending.
Being Frugal vs. Cheap
What does it mean to be frugal versus cheap? In this post, I discuss their differences and why one is much preferable to the other.
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