Observations

This post uses the 4% withdrawal approach to estimate the savings that you will need in order to supplement your Social Security retirement income; the amount needed is expressed as a simple multiple of your current salary. In doing so, it assumes that...

This is my really simple "back-of-the-envelope" retirement calculator. It reduces retirement planning calculations to the bare minimum.
Accounting for all of the variables in retirement planning requires a complicated model. In this post, I've made some simplifying assumptions. I've tried to develop a "bare bones" model so that we can focus better on the big picture, and still get results...

Too many people are now suggesting that while there are huge outcries within the Black community when a Black man or woman is killed by a white person – especially a policeman – the community seems not to care about Black on Black murder victims. “Why...

As some of you may have noticed, I have been on an extended vacation from blogging. During that time, I had fun doing all kinds of things that it is no longer safe to do…. So, what is one to do when just going outside can put your life at risk? Stay...