Hiding in Plain Sight
There are only a few expenses at our house where we both cringe at what this is about to cost AND want to hug the craftsman when the job...
Back to School with Big Kids
Shelley Sodaro wrote this month’s Seasons of Life post. Shelley joined Freedom Day Solutions in 2023, with three decades of experience in...
The Best Recipes in the World Have Only a Few Ingredients
I was so excited to try my first Tony Gemignani creation, I arrived early. Rather than take the menu I was handed, I eagerly asked for “...
The Incredible Shrinking Market
What you are looking at here is perhaps the most unasked question about the Stock Market, from our quiet perch of objective data. While...
Uncrowded Opportunities
We have not made any prediction about the Stock Market this year, a humble tradition that now spans three decades of professionally...
The Worst Job Advice for Graduates
And our favorite paths to avoid those crowds This is the first time, since we started the GRINdex that I made the cut. We have been...
WHOA...what if there isn't a Safe Withdrawal Rate?
The safe withdrawal rate of 4% keeps leading to more challenging questions than long-lasting answers, and new versions keep changing...
Solving A Bank Heist: Follow The Money
There were ten security cameras perched above the bank teller’s window. A customer in a black coat walked up to the only banker left in...
Energy Smuggling Good
This will be the least popular idea I have shared in almost three decades of stock research. As always, I have no idea what will happen...
5 Questions to Ask an Investment Advisor Before Hiring Them
Any of your questions should be fair game, ask them all. The questions here have a little extra bite in them based on our experience over...
Financial Planning for Your Freedom Day
Most people are told they need to plan for retirement, but wonder what size their accounts need to be at what age. Then they spend years...
Dividend Growth: The Mikan Drill for Retirement Income
The arc of complex data analysis surrounding any question now is expanding so fast that I wonder if we are ending up farther away from...
Uncommon Dividends of batting .285
How does a kid who never made it past the 8th grade become one of the world’s most quoted philosophers, on a variety of complex subjects?...
No Moat Is Safe
My first memories of what a giant moat must feel like, was as a little kid in the early 1980s watching the Georgetown Hoyas defend the...
Capitalism’s Greatest Dividend Is Solving Problems
Robert Johnson was on his way to vacation and struck up a conversation with a railroad doctor on the train. Johnson was told about the...
Levered Work, Balanced Sheets
“Just meet me at Buck’s, and we can talk about it,” he told me. I did not know where, or what that was. I had never been to Woodside,...
JOMO
He smiled, after working hard all day for a little extra savings to invest. At month end, he always employs those few dollars to start...
Paradox Of Paper
The stated goal of this group of investors was to be “tops” in the business of “change-makers.” They were four brothers, and sons of an...
The Most Underrated Investor
Let’s start with the so-called “smart money.” Big institutions used to have better access to company data, to make their forecasts....