Am I really old enough for Medicare???
Or another way to put it …when should I start thinking about enrolling in the government run health insurance program for people 65 and older.Another change in life occurs when we hit 65. I’m not talking about sagging skin but the opportunity to finally get something back for all those dollars we have been paying into the system since we started working. Medicare came into effect under Lyndon B. Johnson in 1965 when he signed the bill that enacted the Medicare program. The original intention
What if the pundits did a little research?
(This was written in January 2023 but has been held up in compliance…with a few tweaks we publish this blog today. Late but the ideas are sound.)Every few years there is a new cycle in the stock and bond markets. The guys in the media like to define these cycles as Bears and or Bulls. Its easier on them to use these words than to explain whats going on in the world. They like to trapse out, on TV and print, the guys who made a ‘call’ earlier in the cycle and have them tell you what IS GOING T
Why an investor should consolidate their investment accounts.
(With Quantum Private Wealth)I met with a long-time client this week to go over his accounts and progress towards his goals. A friend and the son of one of my oldest living clients, he is going through one of life’s natural changes. And he has economic concerns. You see he recently sold his company, and he will no longer collect a paycheck. Basically, he began wondering and asking questions about the future. What comes next and how do you pay for it?This is completely normal as were the quest
From moorings to Moore’s Law and beyond.
The last few weeks we have written a little about the technology behind the drastic speed increase in large racing yachts. Although impressive it pales in comparison to the rapid rate at which computing power has accelerated. Over the coming weeks we will delve into the world of semiconductors…. into Moore’s Law, Quantum Computing and it’s amazing possibilities (as well as its risks), a little on the promise of AI and then some on the future that is being created through using all this computi
A Quick Guide to Student Loans
From Advisor PerspectivesStudent loans have become one of the most complicated aspects of modern finance. They involve large – often high interest rate – amounts of debt, typically taken on by young people with little current earnings and typically structured along 20-year repayments. The macroeconomic impact of student debt has touched nearly every aspect of the economy, diverting consumer spending power across sectors ranging from home goods to housing, autos and even new families. Whether you
Tic-Tac-Toe, the W.O.P.R. and the Budget Ceiling
In 1983 Hollywood was in their typical ‘lecture the masses’ mode and produced a B movie hit thriller that starred breakout stars Matthew Broderick and Ally Sheedy. WarGames is seen as a statement about the futility nuclear war but in today’s world it could be the poster child for the game playing in Washington. You see, like Tic-Tac-Toe and Nuclear War the budget ceiling debate is a futile, ridiculous game. In the movie a government defense system is hacked by teenage Brodrick and almost starts
Cavitation is actually water boiling???
In the second of our series on new technologies and other cool things) we continue with another article from Rockwool (the sponsor of the Danish SailGP F50 catamaran). By Steven Pisano – https://www.flickr.com/photos/stevenpisano/48116076138/, CC BY 2.0, https://commons.wikimedia.org/w/index.php?curid=81485849 The new class of racing yachts are catamarans that are designed to fly through the air on hydrofoils rather than sail through the water on their hull’s. Reaching speeds of 100 kph these b
Why is Tesla cutting the cost of their cars?
Electric car enthusiasts pay the price of innovation By Tom Haynes
PERSONAL FINANCE REPORTER The London TelegraphA smart investment typically pays off over time, but sadly this isn’t always the case in the world of technology, where early adopters bear the brunt of manufacturers’ research and development costs. This is especially true for the first wave of electric car drivers, who are now finding that the vehicles they spent a fortune on are now worth thousands less.
In fact, the rat
ESG is a broken concept. There I said it.
In a week where the guy who is considered the “Godfather of ai” quits and warns of the risks to society it makes sense to see what other people no longer believe in the movement they were part of creating. In 2021 a former BlackRock executive, who was the head of sustainable investing, outlined why he left BlackRock and how he now thinks that sustainable investing is a “dangerous placebo that harms the public interest”. Today, after previously evangelizing the ESG trend, more influential people
How the heck does a sailboat go faster than the wind?
It’s always confused me. How can the America’s Cup sail boats go so darn fast…especially in light wind? Yes, I know there is math involved…(√ (LWL))x 1.34…..which means you calculate the maximum hull speed (HS) by taking the length in feet (lwl), get the square root, and multiplying it by 1.34. Ok…got it…Most sailboats cruise at a speed of 4-6 knots (4.5-7 mph), with a top speed of 7 knots (8 mph or 13 km/h). Larger racing yachts can easily reach speeds up to 15 knots (17 mph or 28 k