Author Archives: jlcollinsnh

Case Study #10: Should Josiah buy his parents a house?

No! No, no, no. A thousand times, No! Or maybe, just maybe… For this blog, two great things about the Ask jlcollinsnh posts are that they help me understand the real world concerns of my readers and they provide ideas for a steady steam of great Case Studies. These are ideas and topics I would […]

Posted in Case Studies, Homeownership | 38 Responses

Social Security: How secure and when to take it

Cat food.  It’s what’s for dinner. Back in the early 1980s I remember railing against Social Security to my mother who was on it. She’d grown up with the specter of little old ladies living on cat food.  That was a real possibility when she was a girl and the elderly were the poorest group […]

Posted in Money | 56 Responses

Fighting giraffes, surreal landscapes, dancing with unicorns and restoring a Vanagon

What better advice than this? As I mentioned last time, this whole retirement thing has turned out to be a bunch busier than I would have guessed. Or have planned for.  Like a kid dishing out his own ice cream, I’ve heaped far too much stuff into my bowl.  At least for the first part […]

Posted in Life | 22 Responses

My plan for 2013

Late last night I finished the IRS certification process for VITA: Tests in Basic, Intermediate, Advanced and Ethics.  It was bit easier time around as it is my third year.  Still, travel and other play put me behind the learning curve and the deadline was closing fast.  Our site opens next Tuesday and Thursday night I’ll […]

Posted in Life | 50 Responses

VITA, income taxes and the IRS

I wasn’t planning to do it again this year, but in the end I signed up.  If I had been planning better, the work for my re-certification would be mostly done by now.  But I’ve yet to begin.  Too much traveling and playing.  I knew this of course.  It is the reason I wasn’t planning […]

Posted in business, Life, Money | 41 Responses

How to be a stock market guru and get on MSNBC

Back in the day Louis Rukeyser hosted a PBS program called Wall Street Week each Friday evening.  It was an end of the week ritual watching it for me. Louis Rukeyser He’d open with a commentary on the follies and foibles of the previous market week and then turn to a rotating panel of three Wall […]

Posted in business, Life, Money | 34 Responses

See you next year….until then: The Origin of Life, Life on Other Worlds, Mechanical Graveyards, Great Art, Alternative Lifestyles and Finding Freedom

Well, gee.  It’s been almost a month since my return from Ecuador.  No wonder I’m restless.  Fortunately, we have our daughter to visit in France.  She’s there for her junior year at University.   I told her when she left, “Don’t plan on coming home.  We’ll come to you.”  And a promise (threat?) is a […]

Posted in Life | 5 Responses

Stocks — Part XV: Target Retirement Funds, the simplest path to wealth of all

Ok, so you’ve read the Smoother Path to Wealth and thought,  “Aww man.  Three funds?  And I gotta rebalance them every year?  That’s too much to keep track of!” But then you hit the link and went to the Simple Path to Wealth.  As you read, you thought, “This is more like it.  Only one fund. […]

Posted in Stock Investing Series | 84 Responses

Stocks Part XIV: Deflation, the ugly escort of Depressions.

In Part XII: Bonds, reader Chronicrants commented:  “I’d love to see more on deflation. I’ve always been confused about it and about it’s consequences. It seems like it would be a good thing, and yet….”  Great point, and what better topic, I thought, for unlucky number 13 in this series! Unfortunately, I forgot that was […]

Posted in Money | Tagged | 9 Responses

Stocks — Part XIII: The 4% rule, withdrawal rates and how much can I spend anyway?

4%.  Maybe more. So, you’ve followed the jlcollinsnh big three: You’ve avoided debt You’ve spent less than you’ve earned You’ve invested the surplus Eggs by Sergey Gusev Now you’re sitting on your stash and wondering just how much you can spend each year and not run out.  This could be stressful, but it really should […]

Posted in Stock Investing Series | 81 Responses