Saving Through the Ages

Saving through the ages

Matthew Amster-Burton

Reputable financial advisors, websites and your mom say to save for retirement, college, a down payment for a home and emergencies. A typical response might be, “Yeah, but how much?” and “When?” Libraries of books have been written on this subject. The implication is that determining your proper savings rate involves solving differential equations, brushing up… Read More


Financial Literacy: State of the Union in 2013

Geoff Considine

April is financial literacy month.  I believe that lack of financial knowledge is one of the most critical problems that our country faces. It is well understood that someone who is illiterate in the traditional sense (reading, writing) is severely handicapped in terms of work and opportunities available to them.  The person who cannot read… Read More


Saving and Investing for Retirement: Part Five

Geoff Considine

Effective Actions in an Uncertain World: Part Five of Our Special Five Part Series There are a number of factors that we need to predict in order to come up with saving and investing strategies for retirement.  The values that we assign to these factors will have a huge impact on whether or not we… Read More


The Golden Rule of Investing

Lowell Herr

The Golden Rule of Investing is simply, “Save as much as you can as early as you can.” The operative word is early. William J. Bernstein lays it out in stark language in his book, “The Investor’s Manifesto“ when he writes, “Each dollar you do not save at 25 will mean two inflation-adjusted dollars that… Read More