Monthly Archives: November 2017

Tiny Steps

I have a bit of an obsession lately with the idea of incremental change and its cousin, compounding. It started about a year ago with a podcast that Patrick O’Shaughnessy did with (I think) Trish and James Higgins of Chenmark Capital. One of them brought up the idea of “incrementally better tomorrow” and it laid […]

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Insurance Premiums for a Nonexistent Death Benefit

It’s late 2017, and we’ve been riding a pretty stellar bull market in (at least) US stocks for over 8 years. Markets are up, and everybody is happy. You know who is really happy? Insurance companies that offer Variable Annuities. They are ecstatic. They are collecting a gold rush of revenue to protect a liability […]

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