Connie Cutler

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Luminous Watercolor Paintings Capture the Captivating Colors of Nature

Russian watercolor and vector artist Dina Lepchenkova uses light and tonal color to produce exquisitely delicate paintings. Her luminous works capture snapshots of her surroundings—from bare trees in the snow to cafes bathed in sunlight—and evoke the fleeting and sublime beauty of …

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A Safe 4-Fund Retirement Portfolio That Yields 5%

The key to beating the market – AND keeping your nest egg intact – is diversification. If you don’t put all your eggs in one basket, you can avoid …

Retirement Income Planning Is As Easy As XYZ

As an alternative to failure rates, I suggest calibrating the downside risk across strategies in order to match them for a level of risk the retiree is comfortable taking. This calibration is done with a customized “XYZ formula” that I first outlined in my article, “Making Sense Out of Variable …

Medicare And Social Security Explain The US Wealth Gap: Every 65 Year Old Has $400,000 In Wealth

Or to be strictly accurate, the existence of Medicare and Social Security explain a decent portion of the US wealth gap. This is rather contrary to the estimations of Emmanuel Saez and Gabriel Zucman who, in their study of the US wealth concentration, in the paper that everyone quotes, deliberately …

Two Philosophies of Retirement Income Planning

Within the world of retirement income planning, the siloed nature of financial services between investments and insurance leads to two opposing philosophies about how to build a retirement plan. There is an old saying that if the only tool you have is a hammer, then everything starts to look like a …

7 Tricks To Making Veggie Burgers That Don't Suck

Because you're better than that.<p>A well-made veggie burger can very easily compete with a traditional burger. Savory and flavorful, when done right these umami-packed, vegetable-loaded patties hit the spot. Sadly, most homemade veggie burgers don't fit that bill. Actually, restaurant veggie burgers …