If You Received Your COVID-19 Vaccine, Expect Issues With V-Safe

Two days ago, I received my Moderna COVID-19 first of two vaccine injections.

Fortunately, there were few side effects.

In the documentation I received upon getting my injection, there was a sheet on the V-Safe After Vaccination Health Checker. Being the tech-oriented person I am, I duly registered on the site.

My experience with this tool has been awful – mostly in line with … Read the article

I Got the COVID-19 Vaccine for Free, So I Am Donating the Cost to Buy Vaccines for Lower Income Countries

My wife and I have been very keenly interested in the impact of the COVID-19 pandemic on our lives. We’ve been following the science, because, after all, we’re much more inclined to believe what scientists such as Dr. Anthony Fauci have to say versus, say, politically motivated spokespeople.

After all, if Dr. Fauci is cited 221,323 times (as of my count on 1/19/2021), then people who are much better trained to understand science than I or a large number of politicians believe him, so should I.

Thus, as soon as … Read the article

Lessons Learned One Year Into Early Retirement

Resilience is accepting your new reality, even if it’s less good than the one you had before. You can fight it, you can do nothing but scream about what you’ve lost, or you can accept that and try to put together something that’s good.
–Elizabeth Edwards

12 1/2 months ago, my wife and I retired. I semi-retired, as I was (and still am) on several boards, but, otherwise, our lives went from the 8-5 grind (and way beyond the 8-5 as a co-founder of a startup private equity group) to the … Read the article

Should Early Retirees Who Will Depend on Social Security Buy Life Insurance?

People always live forever when there is an annuity to be paid them.
–Jane Austen

When I had clients who wanted to retire before they were eligible for Social Security, I would create models based on claiming Social Security at the appropriate time, giving them a secondary source of income beyond their investments.

In theory, Social Security should replace some amount of income that had been generated by investments, allowing retirees to accumulate less before retiring.

Even the fabled William Bengen 4% safe withdrawal rate study never mentions Social Security as … Read the article

Optimizing Your AGI to Maximize Obamacare Credits

When you aim for perfection, you discover it’s a moving target.
–Geoffrey Fisher

It’s coming upon the end of the year, and, if you are on the Affordable Care Act (ACA) healthcare plan, otherwise known as Obamacare, it’s time for you to start doing your end of year tax planning.

Why, you may ask me, must I do tax planning now if I don’t have to file my taxes until April 15?

The answer is that because there are a couple of tax planning moves that you need to make before the … Read the article