by Ralph Bender, MBA, CFP® | Enduring Principles, Financial Plan, Retirement, Running Money ®
About 15 years ago, both Ross and Bobby retired. Bobby had about twice as much money in his retirement plan; neither had a monthly pension, except for Social Security. They lived in the same neighborhood and had comparable incomes. We calculated the maximum withdrawal...
by Ralph Bender, MBA, CFP® | Diversification, Economic Commentary, Enduring Principles, Market Update
With five inbound lanes, including a state highway, a connector to an Interstate, and Main Street changing from two to one way, everyone passing through my hometown’s “five points” intersection needs to pay attention to the signals. Likewise, the...
by Ralph Bender, MBA, CFP® | Fitness, Motivation, Running Money ®, RunninRalph
Running cadence is important. An optimal rate is about 180 steps per minute (SPM). With a slower cadence there’s a likelihood of overstriding, a common problem with novice runners often evidenced by severe heel striking. This situation in turn often leads to...
by Ralph Bender, MBA, CFP® | Economic Commentary, Market Update, Oil, Videos
Efficient new oil extraction technologies, which helped American oil production skyrocket over the past decade, are causing worldwide problems. The world’s largest oil company, Saudi Aramco, is 100% owned by the Saudi government. Not only can they can produce...
by Ralph Bender, MBA, CFP® | Economic Commentary, Market Update, Volatility
Recovery from surgery keeps me from running, and that is torture. The change in my routine, not the surgery. The stock market began its first correction in four years about 100 days ago. The volatility since that correction seems like torture. Moreover, the first days...
