This month's models are now posted. There are NO CHANGES in the models. A year of spare time Believe it or not, there has been an upside to 2020. Less than willingly, to be sure, we were given the opportunity to re-assess what matters most. What we did with our sudden windfall of spare time

This month's models are posted. There are no changes in any of the models. The rest of the newsletter will be published by mid month. Betting your dollar bottoms In this space about a year ago, we discussed investing in commodities. “So, what’s your plan for your post-Great Expansion nest egg?” we asked you, referring

This months models have been posted. Is there a stock exchange on Bizarro World? This article was supposed to be a reminder that, during tough times, it’s generally better to hold large-cap stocks than small-cap stocks. We’ll get into the theory in a moment but, like everything else that once made sense, the coronavirus pandemic

This month's models have been posted. Bonds. Junk bonds. We discussed last month how much debt is floating around out there. If you don’t care to follow the link, America’s bar tab was around $54 trillion; half of that was money owed by the federal government, and a quarter of it was credit cards, auto

This month's models are posted. There are CHANGES in ALL THE MODELS (highlighted in yellow). Looming debt: Worse than you feared, but not as bad as you think  Debt is piling up. That’s for sure. If the headlines are to be believed, we’re all going broke except for the bill collectors and bankruptcy lawyers. We

This month's models have been posted. The rest of the newsletter will be published by mid month. Rough Landing Ever notice how many business terms come from aviation? “The 30,000-foot view.” “Headwind.” “Golden parachute.” But there is one troubling term being bandied about now: bailout. You can relax, though. When you hear it related to

This month's models have been posted. The Even-Greater Recession? Remember when George W. Bush enacted the Troubled Asset Relief Program, handing the banks $475 billion to paper over their bad debts – and how shocked you were that taxpayers were expected to bail out Wall Street? Remember just a few months later when Congress gave

This month's models have been posted. There are CHANGES in ALL of the models (highlighted in yellow). Getting fiscal about getting physical With the spread of Covid-19 dominating the headlines, health is understandably on people’s minds. So, we’ve decided to make this a wellness-themed newsletter. You might recall last month’s feature that gave an overview

This month's models have been posted. A Luddite’s guide to streaming services Technology is changing. And, while many of us still own shoes older than our first Web browser, the act of reading text on a computer is outmoded as a platform for communication, according to many (i.e., our kids). And if you still own

This month's models have been posted. The rest of the newsletter should be posted by mid-month. Information Regarding Fund Selection Over the last few months we have been asked to give a quick reminder of the process for picking the funds used in the USPFA models. Although it is somewhat technical in nature, the process