TIL: Amish is a Religion

We visited Amish country and took a tour of the area.   It was very interesting and I learned a lot about Amish life.

First, I always assumed that Amish was only about simple way of life, i.e. no modern conveniences such as electricity, and powered tools/appliances.  WRONG.   I learned Amish is a religion.   There are four sects, each with differing rules.   For example, one sect is allowed to use e-bikes.

Second, I learned that the Amish are self sufficient.   The residents farm and or have cottage businesses, e.g. roofing, woodworking, that are needed in the community.  The Amish support each others business within the community.

Third, I learned the Amish don't buy or have any insurance.   The community comes together and helps those that need it.   For example, someone's barn burned down.  The community rebuilt the barn and put it up in three days.   

Fourth, I learned the Amish buggies are different and all the same for each of the four Amish sects.  Some buggies don't have rear view mirrors, while others do.  Some have flashing reflector lights, other don't. All buggy accessories are determined by the bishop of each sect.

Fifth, I learned the Amish legally end education at 8th grade and are allowed by a Supreme court decision in their favor, Wisconsin vs. Yoder.  Each Amish neighborhood will have a parochial school in the neighbor hoods since the students walk to school.

Finally, I learned that despite the commitment to simplicity, some modern amenities are slowly allowed into some sects.   For example, one sect is allowed to have e-bikes.  What is allowed and not allowed is determined and approved by the bishop.

I was impressed by the culture of the Amish.   There are some aspects, e.g. self sufficiency and community support of others, that would be beneficial in any society.

For more on Reflections and Musings, check back every Saturday for a new segment.

This is not financial, society, nor culture advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Preserving Capital

"Rule #1: Never lose money. Rule #2: Never forget rule #1." ~ Warren Buffet

These are good investing rules that are even more important in retirement.  I no longer have time to recover from significant losses.  In addition, we are dependent 100% on our retirement savings and income, since we have no wage income.   So I try to make sure we have a sufficient margin of safety, in case there is a big market downturn.  

Right now, I am cautiously invested in stocks.    At this time, there is more downside risk than upside potential and there is high volatility.   So while I am maintaining our core positions, I am trimming positions outside of core, e.g. short term trades and excess shares of core holdings.  

For more on Reaping the Rewards, check back Fridays for a new segment.

This is not financial nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Old School - Praying Before Football Games

Our football team used to say the Lord's prayer before every game.  I attended a public high school and every player participated.  There were no complaints by the players.  We did this all four years that I played.  It was never an issue.  No player ever complained about the ritual.

I wished the praying had helped.   We were reduced to 26 players and only won 2 games near the end of the season.  However, everyone had a good time playing.

Nowadays, group praying before a game probably is no longer allowed in schools.    

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial nor sports advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Investment Plan for Tomorrow

The only thing that seems likely is that interest rates are inching up.   My plan to start scaling into fixed income, CDs and Treasuries starting tomorrow.  I expect I will be able to lock in 4% or a little higher for 5 and 10 year maturities.  

I plan to only put 5-10%% of the funds in at this time.  That way if interest rates keep rising, I can lock in even higher rates.

For more on  The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial, fixed income, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Funding College: Then and Now

When I went to college, it seemed relatively simple to cover the costs.

• College Jobs -  In my freshman year, I worked in the cafeteria about 8 hours a week.  It paid about 2X the minimum wage.   As an upper classman, I also tutored and sold class rings.
• Summer Jobs - I was fortunate to get an Engineer Intern summer job right after high school.
• Student Loans -   I took out the maximum ($1500/semester) of federally subsidized student loans in my upper class years.
• Parent Funds -  My parents paid the difference between the costs and what I could cover.

By senior year, I was covering over two thirds of my tuition, room and board costs, and all my personal expenses.  For reference, I attended an Ivy League school.  A friend of mine attended a local state school, lived at home and was able to pay for tuition, fees and books from working a part time job.

Nowadays, I think it would be difficult for students to cover their costs at a local state school. It is likely that parents and student loans will cover the majority of cost, if the family isn't eligible for financial need scholarships.  In  our case, we have been saving for our children's college costs since the day we adopted them.  This has enabled us to cover the eldest's entire education costs at a local state school.  Hoping to cover our youngest's education costs in the future too.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial nor education advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Ouch! The Knife Keeps Falling on the BET Strategy

BET (Buy Expected TACO) strategy didn't work today. Volatility was the main actor today.  The market fell at the open, bounced and continued to fall midday as Iran denied agreeing to any of the U.S. demands to end the war before rebounding in the afternoon then dumping at the close..  

I am still holding and avoiding further buying any BET stocks right now.   There is a reasonable possibility that the stock market may keep drilling further to a bear market 20% drop.  More and bigger TACOs will be needed to prevent this from happening. 

I will wait for the bear market OR additional TACOs to happen before making any significant number of BET purchases. 

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial, stock picking nor stock investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Buy Expected TACO (BET) Strategy

The markets were up big yesterday, due to Trump delaying destroying Iran's power infrastructure for 5 days.    It used to be buy the dip (BTD).  Now it's the Buy Expected TACO (BET). 

It appears that Trump is sensitive to the stock market response in the short term.  Trump seems to responds with a TACO when the market dips.  This started about a year ago with the implementation of tariffs in April 2025 and has consistently happened since then.

It's hard to predict what Trump will do.    For now, buy expected TACO seems to be working.   While it seems to be consistently a good strategy until now, it'll work until it doesn't. Once BET stops working, a significant correction may occur.   

As Yogi Berra once said, "It's hard to make predictions, especially about the future."

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial, stock picking, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Cataract Surgery Lens Plan

I'm  getting cataract replacement this year.  Currently, the left eye is very near sighted and the right eye is less near sighted and I only wear correction in both eyes for driving and sports. To avoid requiring to use glasses for reading or driving, I'm  going  with right eye at 20/20 and the left eye at about 20/150 (about -3) for near vision.   I won't need any glasses with this vision.  

My brain is already used integrating different focal lengths with my uncorrected vision at 20/400 (L) and 20/200 (R).  Doctor says DMV only requires one eye at 20/50 or better,  I think, to drive without correction

Despite a friend  having excellent results, I decided not to go with multi focal lenses.  

• I tested multi focal contact lenses about 5-10 years ago and didn't like them.   It was the worst of both worlds for me.  I couldn't see close work and distance vision was a slightly blurry sometimes. 
• A tennis player on the court before us said he started with multifocal but had to change to single focus and redo his cataract surgery.   
• My eye doctor said he usually does not recommend multifocal.  He has seen two different people with technically the same conditions get very different results, one good and one bad.

Medicare will still cover glasses 100% to correct vision.  My Medicare Advantage said they would cover contact lenses for 20% copay, which I will probably do for one eye for sports.

I've been testing wearing one contact part of the time to experience how it would be like after cataract surgery.   Although not a perfect replication, I am comfortable enough to proceed with the.  Since one eye is done at a time and the distance eye is done first, I will have a couple weeks to confirm my decison.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial nor health advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Only a Few Stocks Provided Majority of Our Gains

I recently reviewed my investment results and concluded that the majority of the investment gains were due to a few stocks that we owned.  For example, great returns on GOOGL, NVDA, MSFT, AAPL and VISA contributed a lot to our investment accounts.   A large percentage of the other stocks were either negative or contributed very little.

This is also supported by a chart I found on LinkedIn:

My conclusion:

1. Pick only winning stocks.   Highly unlikely for me to do this consistently or even at all.
2. Diversify enough to also purchase the winning stocks, but also own on the non contributing stocks.  This requires owning numerous stocks and significant effort to manage on an ongoing basis.
3. Buy an index,  which diversifies and periodically eliminates poor performers.  This involves owning just a few EFTs or mutual funds.

I've tried #1 and failed.  I've tried #2 and although returns were positive, my  returns were less than the indices.   I'm moving to #3 for most future investments, and will by only individual stocks on an occasional basis. 

For more on  New Beginnings, check back every Sunday for a new segment.

This is not financial, stock picking nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Services and Utilities That Are Great Time Savers

What a great time to be alive.   There are so many services provided to me that I have much more time than people from 100 years ago.

Here are some of the services that make life easier and better:

• Running water - For drinking, cooking, washing, bathing and human waste removal.  It would take me lots of time to haul water to the house, boil/sterilize it, and disposed of used water.  It only costs us about $200 a month and takes almost no time.
• Garbage collection - For $90/3 months, our garbage is taken away weekly and recycle is taken away every other week. It would take lots of time to haul our garbage to a dump.   Just takes a few minutes a week to put the garbage at the curb.
• Grocery shopping -  Yeah, it still takes several hours a week to grocery shop.  However, that beats the amount of time  growing, harvesting or hunting/cleaning our own food.   
• Electricity -  This powers all of our appliances to use in our house, which saves a lot of time.  Washing machines, dishwashers, furnaces, air conditioning, water heater, oven, stove, refrigerator, etc, etc, etc.   I would be working exclusively on 

These are basics that I take for granted every day and yet, if I didn't have them, I would be spending way more time on getting necessary things done every day.

For more on Reflections and Musings, check back every Saturday for a new segment.

This is not financial nor services advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC