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Bond Funds - Timely Question!! Bond funds have no maturity thus, are perpetual and valuations are based off of NAV (Net Asset Value - value of last sale of bonds totaled - those listed) So, rising rates exponentially crush NAV as money chases new paper issued at higher yields and selling the...

Doctors - what to expect? You may want to google "Direct Primary Care" or DPC physicians in your local area. 1st make sure they are in a DPC network that does not take insurance of any kind. 2nd to see one you like. 3rd. Learn how to lower your Loss Claims Ratio's on your current plan...

Why "NO" Bond Funds Ditto previous post (former Institutional trader/market-maker here) Individual bonds - latter-ed out thru time, ie multiple maturity years - is only way to use bonds effectively. Bond funds are a product of bundled for herd mentality and hugely ineffective when rates rise...

Blue Pill - Red Pill ??? Freemontpoke, 1st thoughts "Ship with no rudder" and the winds are mighty at this stage of the the journey!! Admirable for what you've done thus far........that said, there simply is no red or blue pill answer. No wisdom in building a house by just buying the...

LTCG Tax - Couple of other options to explore Calmloki - you may want to look into or get feedback on: Deferred Sales Trust - also referred to as DST but nothing like the Delaware Statutory Trust. Brett Swarts (Google Him, lots of podcast post) is one of the Trustee's with the most online...