Hello NFC Clients and Friends , Have you heard of Amazon?  Do you use Amazon Prime to purchase goods and services?  Well, like reportedly 200 million others, I certainly do.  I used it last night (Prime Video) to watch my Chicago Bears  epic 25 point 4th quarter comeback in the NFC Wild Card playoff game to defeat their arch rival Green Bay Packers at Soldier FIeld!  In the depressing first half of that same game, I also used Amazon Prime to buy yet another financial fitness

Hello NFC Clients and Friends , I trust you all had a wonderful Christmas and hope you have the opportunity to spend some quality time with family and friends.  Having all 3 of our daughters back under one roof (2 in college) along with extended family over the two weeks of the holiday season is a real blessing.  Below is a missive I “penned” early this morning to my girls, following up on one of our end-of-year financial fitness conversations.  I know, I know— not exact

Hello NFC Clients and Friends ,       Many of you have been asking about the proposed Invest America Accounts (“Trump Accounts”), and the related news flow that has followed the OBBB  (“One Big Beautiful Bill”).  Namely, that Michael and Susan Dell have donated $6 billion so that   all eligible children under the age of 10 will qualify for these investment accounts based on median family income limits. News alert!  If you live in North Carolina , the odds are highly in your f

I asked AI (Google Gemini) to use actual 403b contribution/return data to both create a narrative and generate a chart illustrating the power of compounding.  Source of this data: a real living, breathing, retired North Carolina public school teacher.  Here’s what AI produced in 15 seconds– the delay caused by my Chromebook which cannot handle our 2 Gig fiber speeds. Side note/Internet Service hack: $70/month rate locked in for 10 years  (cancellable at any time) with Lumos

Hello NFC  Clients and Friends, Riddle me this: When is 0 more than 1, 2, or even 5.75?   The answer became apparent to me...

Happy New Year NFC clients and friends!                            I love this time of year!  Durham Public School teachers had our first...

Hello NFC  Clients and Friends,             It’s that time of year again— back to school for educators, students, and the families...

Happy New Year NFC clients and friends! I love this time of year!  As a teacher, I have just spent the last 2 (of my 14!) weeks of...

Hello NFC Clients and Friends, “The perfect is the enemy of the good.”  I believe I first encountered this profound insight many moons...

Hello NFC Clients and Friends, “Winter is coming,” every summer for North Carolina teachers. An odd proclamation on what may yet prove...

Hello NFC Clients and Friends, For decades the “cash is trash” mantra in finance has been defensible for a variety of reasons. In 2023,...

Hello NFC Clients and Friends, Several of you have joined many Americans in applying The Clash’s famous interrogatory (see title above)...

Hello NFC Clients and Friends, I may have a new vice. I cannot remember a day in 2023 that has passed without listening to a podcast....

Hello NFC Clients and Friends, Despite the poor precedent, I am re-hashing a theme posted only a couple of months ago: a silver lining...

Hello NFC Clients and Friends, Do you get tired of deleting Spam emails from your inbox? It seems my Gmail cannot learn fast enough to...

Hello NFC Clients and Friends, Warren Buffett is a wellspring of homespun, profound aphorisms that will undoubtedly stand the test of...

Hello NFC Clients and Friends, A week ago Friday, we moved our first born, Mackenzie, into her college dorm room— an emotional experience...

Hello NFC Clients and Friends, When was the last time you can remember going a week, or even a day, without seeing or hearing the word...

Hello NFC Clients and Friends, The Norman family spent the better part of the previous two weeks in Los Angeles, Santa Monica, driving...

Friends of NFC, As I write, war continues to rage in Ukraine, markets are selling off, inflation is now a growing concern, recession is...