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by Jeff C. Johnson


A Looming Problem

A bond mutual fund is not the same thing as a bond. A bond represents the indebtedness of a company, government, or other entity that generally pays a fixed interest payment at intervals, often every six months. A bond has a specific maturity amount (face value) and a fixed maturity date when the principal is...

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by Jeff C. Johnson


3 Percent Is the New 4 Percent

The conventional wisdom, in recent years, was that a retired person could withdraw 4 percent of their retirement account balance annually for income and very likely never deplete their nest egg. Though a good financial plan would go much deeper into the numbers regarding longevity, expected return based on risk, and spending patterns, this old...

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by Jeff C. Johnson


Teach Your Children Well

“The Bookkeeper and the Surgeon” is the true story of a thrifty bookkeeper and a not-so-thrifty, highly paid surgeon. The story is told in my book The Five Financial Foundations, available on this website. If you buy this book, read it and then pass it on to someone who is just getting started investing. Its lessons...

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by Jeff C. Johnson


Getting Started Checklist

You don't have to be rich to start saving and investing, but you will probably have to start saving if you want to get rich!  Get some momentum in your financial plan, by using this free Five Financial Foundations checklist to evaluate how you're doing and consider the best place for you to get you...

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