The internet is amazing. Information at your fingertips from anywhere in the world is truly marvelous but sometimes when you want that data in a nice visualized format you have to pay for a service. Long time readers know that I have been rationalizing my subscription services for over a year now in preparation for…
One 6.8 Percent Government Bond Got Called
I got a notice that one of my 20 year bonds earning a nice 6.8% interest rate got called. I expected this to happen so it’s not a huge issue but it does suck to lose a bond paying 6.8% interest rate. I am writing this post to make people aware that these things happen…
Zepbound: My Health Journey – October Edition
I have now been on Zepbound for 9 months and I’ve lost 26.4 lbs so it’s like giving birth to one heavy baby! I wanted to wait till a full year before I published this chart but I am publishing it now for a few reasons. First the chart: I started this journey at 305…
AI: Using The Pareto Distribution For Investing
AI is starting to know me too well. I was working on fractal image generation related to something I was researching but my conversation with AI turned to finance as I had just asked AI about finance right before I started the fractal talk. AI suggested if i was interested in knowing how to leverage…
The ETFs In My Retirement Buckets
I strongly believe that parts of the U.S. stock market are over valued but that doesn’t mean I stopped investing. I decided to write this post because I’ve been spending time on Reddit investing communities and almost all of the advice is the same when someone asks for investing help: “Just buy VOO!” I think…
Why I Dumped My HSA (Health Savings Account)
For many years I participated in my employer’s health savings account but as I grew older I realized I would be relying on health care more and more. For starters, when you hit a certain age you suddenly need to start doing things like preventive checkups such as colonoscopies, electrocardiograms, and prostate tests. All of…
Lost Decades, Moves To Cash & Sequence of Returns
A Wealth of Common Sense had a great post about the Sequence of Returns which is a must read because it fits into a theme I’ve been writing about for a while now. The Sequence of Returns post makes the argument that the time to buy stocks is when they’re getting hammered because ultimately, when…
AI: Analyzing Asset Class & Sector Performance Returns With AI
Here’s another quick and amazing way to analyze data with AI. I visited this website and found the chart below. I wanted to know quickly which asset class had the best returns during the time period. Normally I would type the data into excel and start running averages but I decided to let AI do…
Using AI As A Financial Advisor
I’ve been using AI as a financial advisor and I have some stories to tell but I need to pace myself so let’s start with some a walk down ETF street. I asked AI to help me review a list of ETFs and told it that I wanted to put these ETFs into one of…
Disney Plus Price Inflation 13.33 Percent!
On the heels of health insurance price inflation of 7 percent I wrote about here, I got a notice from Disney+ that their annual subscription price was going up from $139.99/year to $159.99/year. I opted to say goodbye. I wrote about streamlining (pun intended) my streaming services here in preparation for an economic recession and…