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Personal finance links: inevitable course corrections

Abnormal Returns

(awealthofcommonsense.com) Home buying math is bad right now, but will it be any better a year from now? humbledollar.com) Financial planning means always adjusting your plan. awealthofcommonsense.com) Ten tips for a better life including 'Give up fast food/prepared meals.' sapientcapital.com) 529 Plans, 101.

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Saturday links: useless things

Abnormal Returns

grist.org) Hybrids Doing the math on a hybrid vs. conventional ICE. climate.gov) A civic sustainability plan is no small thing. npr.org) The FDA has approved Xolair to treat severe food allergies. npr.org) Food Plastics came to farms and isn't leaving any time soon. newatlas.com) Food waste is a big problem.

Food 175
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Going All In To Solve A Retirement Shortfall (Part 2)

Random Roger's Retirement Planning

Yahoo warned of potential problems retirees may face if their plan is to rely solely on Social Security. Food, various utilities (a lot of things lumped in here), other insurances, what else? Simple math is that this person needs to save $23/yr to come up with that additional $350,000. 5000 per for 15 years is $75,000.

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20 Smart Tips For Grocery Shopping On A Budget

Clever Girl Finance

Food is expensive. Whether you’re a student on a low budget or a parent trying to keep the food bills at bay, we could all use some tips on managing our grocery budget properly so we can save more money. The average American spends around $7,300 on food each year. Be sure to check out our frugal meal plan ideas as well!)

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Financial Advisor Income Statement and Balance Sheet: Template Download

Sara Grillo

It was Easter Weekend last weekend and I had relatives visiting and tons of food invading my refrigerator which I am trying to resist eating. Note, this assumes that the advisor is providing both financial planning and investment management services. Note, this assumes the advisor is providing only financial planning services.

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401ks Are A Scam? They're The Worst Scam?

Random Roger's Retirement Planning

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. About 40 years ago employers started to pivot away from pensions to 401k, they started to pivot away from defined benefit plans to defined contribution plans. Problems have been long in the making and seem to have gotten worse.

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Addressing Common Retirement Misconceptions

Random Roger's Retirement Planning

Part of the math that determines options premiums is the risk free rate of return from T-bills. Building a plan based on assuming an 11% payout forever is really going to hurt this guy if that is what he is saying. Retire, move to Spain, enjoy food and excellent healthcare. Let us know how far $40,000 in interest goes in 2043.