Category: Uncategorized

Diversifying by Purchasing Service Credit

I've written previously that people with defined benefit pensions who have the option to purchase service credit should seriously consider doing so now. I first wrote about it back in December of 2021, added some more context in April of 2022, and then reiterated in January of this year. Well, stop me if you've heard … Continue reading Diversifying by Purchasing Service Credit →

PERACare Premium Increases and the Impact of a Plan Design Change

after subsidy

Colorado PERA offers optional health insurance called PERACare as a benefit to its retirees. While the details of next year's plans aren't out yet (open enrollment begins October 20th), a presentation at today's Board meeting shared the details on the premium increases (and a change in one of the plans offered). Given all that's going … Continue reading PERACare Premium Increases and the Impact of a Plan Design Change →

Spreadsheet: Growth of Savings Calculator

Some of the episodes in my new podcast series Teaching You to Fisch (Spotify, Apple Podcasts, YouTube) include spreadsheets I've created to illustrate particular topics. Some of them are modifications of spreadsheets I've used before and some are newly created. Because not everyone is going to choose to watch/listen to the podcasts (they are really … Continue reading Spreadsheet: Growth of Savings Calculator →

Not Just March Madness

Given the time of year (and the recent market volatility) I thought I'd make a quick post reminding folks that the key to investment success is investing in low-cost, diversified index funds selected based on your investment time horizon. As I've written previously, no one can consistently beat the market and there really is no … Continue reading Not Just March Madness →

Climate is Coming for the Value of Your Home (and Your Region)

Note: I'm still trying to wrap my head around all of these ideas, so this post is mostly just me thinking out loud. I would highly recommend you listen to the two podcasts and read the report that I'm going to link to to get a better understanding. A topic that comes up in almost … Continue reading Climate is Coming for the Value of Your Home (and Your Region) →