I've read many of Cullen's articles in the past, and his new book might be an interesting read, but I wonder how his book would compare to Jim Dahle's article titled: 150+ Portfolio's Better Than Yours.https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/
It is compelling to just keep it simple for the interest rate from SPAXX. We don't own individual bonds, bond mutual fund or ETFs. A couple of funds we own have a percentage of bonds within them. We also have SPAXX as a default for transfers in/out, but a larger portion is in FZDXX. With the rates coming down, FLOT, a floating rate bond fund, may be up for consideration.
I miss Rick also. It isn't the number of articles anyone produces; it's the content and impact of the message that doesn't create disagreement or negativity. Rick is very articulate in what he says and never gloats about himself. He truly set the standard that Johnathan expected and appreciated. With the beginning of the tax season and his volunteer tax work, he is doing what is in his heart. I hope he is doing well.
"$1k in interest for the delay" I received interest from the IRS because they dallied my refund for two years. Last week I received noticed from the IRS that I need to report that interest on my tax return. IRS giveth, IRS taketh.
Since this might be the only, or last, long road trip you'll take, an alternative drive would be to consider taking "blue highways." The blue highways is what the Rand McNally maps would show as non-interstate, or secondary roads. There have been several books written about these kind of travels with good stories about the people in the small towns. You can also follow part way the Lewis & Clark expedition.
This article sort of reminded me of myself. About 15 years ago, I took up a long-time interest in antique clocks - collecting and restoring. This has led me to meeting people with various backgrounds. Many of my mentors are 10-20 years older than me, so they have much wisdom to share from their professional careers. Being social is good!
Comments
Thanks for the additional information.
Post: High Interest Savings Accounts vs Bond funds
Link to comment from February 8, 2026
Michael1, could you elaborate a little more what a Common Assets fund is? Is that a Target Date or Asset Manager type fund?
Post: High Interest Savings Accounts vs Bond funds
Link to comment from February 8, 2026
I always appreciate your comments William! I didn't know Jim Dahle expanded to 200 portfolios. Thanks for the update!
Post: Perfect Portfolio
Link to comment from February 7, 2026
I've read many of Cullen's articles in the past, and his new book might be an interesting read, but I wonder how his book would compare to Jim Dahle's article titled: 150+ Portfolio's Better Than Yours. https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/
Post: Perfect Portfolio
Link to comment from February 7, 2026
It is compelling to just keep it simple for the interest rate from SPAXX. We don't own individual bonds, bond mutual fund or ETFs. A couple of funds we own have a percentage of bonds within them. We also have SPAXX as a default for transfers in/out, but a larger portion is in FZDXX. With the rates coming down, FLOT, a floating rate bond fund, may be up for consideration.
Post: High Interest Savings Accounts vs Bond funds
Link to comment from February 7, 2026
I miss Rick also. It isn't the number of articles anyone produces; it's the content and impact of the message that doesn't create disagreement or negativity. Rick is very articulate in what he says and never gloats about himself. He truly set the standard that Johnathan expected and appreciated. With the beginning of the tax season and his volunteer tax work, he is doing what is in his heart. I hope he is doing well.
Post: Many Words Later
Link to comment from February 6, 2026
"$1k in interest for the delay" I received interest from the IRS because they dallied my refund for two years. Last week I received noticed from the IRS that I need to report that interest on my tax return. IRS giveth, IRS taketh.
Post: Banking problem
Link to comment from February 2, 2026
Since this might be the only, or last, long road trip you'll take, an alternative drive would be to consider taking "blue highways." The blue highways is what the Rand McNally maps would show as non-interstate, or secondary roads. There have been several books written about these kind of travels with good stories about the people in the small towns. You can also follow part way the Lewis & Clark expedition.
Post: Planning a Trip
Link to comment from January 30, 2026
This article sort of reminded me of myself. About 15 years ago, I took up a long-time interest in antique clocks - collecting and restoring. This has led me to meeting people with various backgrounds. Many of my mentors are 10-20 years older than me, so they have much wisdom to share from their professional careers. Being social is good!
Post: Being Social
Link to comment from January 27, 2026
Thanks Dan, that was a good story!
Post: Success, from another angle
Link to comment from January 25, 2026