Financial Education for Colorado Educators (and those they love). Absolutely Free.
We originally installed solar panels on our roof in December of 2009 (activated and producing energy by the end of January 2010). We did it partially because it was the right thing to do (climate change, air pollution, safety of energy workers, environmental justice), but also because it was going to be a great financial … Continue reading Our New Secondary Solar Panel System (and Battery Backup)
There's a response (or variation thereof) that comes up in almost every section of my financial literacy class for educators. At some point (and often several points) in class discussions, participants will respond with some form of, "The Future is Never Guaranteed!" (And, yes, the exclamation point is generally included.) It always comes up in … Continue reading “The Future is Never Guaranteed!” Yes. And?
Colorado PERA is the pension system for public employees in Colorado. Like most public pension systems, the benefits members receive have changed over time, with newer members receiving less generous pension benefits when compared to more veteran members who have an earlier membership date. Many pensions refer to these different levels of benefits as tiers, … Continue reading Reading, Interpreting, and Understanding PERA’s Highest Average Salary (HAS) Tables
I came across this article from Andrew Moseman. The numbers don’t support the case that consumer EV demand has fallen off a cliff. Instead, it looks more like this particular stage of EV development is coming to an end while the next one isn’t quite ready to begin. I pretty much agree with everything in … Continue reading An EV Might Be More Affordable Than You Think
I've written previously about how the Consolidation and Appropriations Act of 2023 now allows account holders to transfer money from 529 plans to the beneficiary's Roth IRA beginning in 2024. Now that we're in 2024, Colorado's CollegeInvest 529 Plan (Direct Portfolio plan) has now posted the necessary form. While hopefully you are in the Direct … Continue reading Colorado’s 529-to-Roth IRA Rollover Now Available
Last April I shared our portfolio and some of the different ways we look at it. I thought it might be nice to update it each January. That previous post has a bit more descriptive verbiage, so refer back to it if you need to. Asset Location Like many people, by necessity we have our … Continue reading Our Current Portfolio and Recent Returns
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