Buying Treasuries not CDs

For my fixed income bonds, I'm buying Treasuries, not CDs, to lock in 5% rate for longer terms.   Simply, Treasuries guarantee paying the same coupon rate until maturities.   Most, if not all, long term CDs are callable, meaning if interest rates fall, the bank will terminate the CD early.   Call dates are as little as 3 months to one year in the future for 10 year CDs.   So if interest rates drop, that will be the end of one's CD.

Coupon rates of 5% for Treasuries have historically be high and therefore, attractive.   Of course, interest rates may rise further, but I don't expect them to stay high for long.   Also, I wouldn't mind buying some Treasuries at 6 or 7% yield if that should happen.

To address the risk of rising interest rates, I'm scaling in over the year when buying Treasuries, instead of committing all of the funds in a single purchase.  That way, if interest rates should rise, I will still have funds to invest in bonds.   If interest should fall, I will have locked in at least 5% for part of my fixed income funds.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Only Two AI Agentic Interfaces Work For Me

Most agentic interfaces are horrible.   I'm starting to immediately by pass them.  My health insurance, my main brokerages, many big box stores and even Amazon have terrible agentic interfaces.  All of them do not recognize my specific request of help, and usually offer something unrelated. My immediate request for these organizations is, "Customer service, please," even if I have to say it 30 times.  Then I complain to customer service about the pour agentic connection.  Their answer, "I know, it's bad."

However, a couple agentic interfaces work great for me:  Kroger's and Walgreens'.  Kroger will take care of my digital coupon and reward point issues immediately and accurately in the times that I 've called them.    Walgreens will take care of my prescription refills immediately and accurately also.  No complaints.

From now on, I'm immediately complaining about poor agentic interfaces and asking if my number can automatically bypass them. Otherwise, I will just repeat, "Representative," or something similar, until I get transferred to a real person.

Disclosure:  I did not receive any compensation for this post.

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

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Is It Time to Add More Fixed Income?

Back in 2021, I bought a CD paying 1% because I agreed with Bernanke when he said interest rates would never be high again in his lifetime.  Well, Ben is still alive and interest rates are now up to 5%.   My 2021 CD matures this year and I can reinvest it.

Historically, 5% has been a very good long term interest rate.  I've already put some funds into the 20 year treasury bond yielding a little over 5%.   I will wait to see how interest rates move before making our next bond investments.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Stock Market is Looking Really Ugly

The market sentiment is worsening.  With memory stocks falling precipitously, SAAS stocks still down,  AI stocks taking a hit, and even Space stock taking a dive, there doesn't appear anywhere that is protected, except maybe fixed income.  Wall Street Bets is now highly negative with numerous losses being posted.

The declines are becoming bigger, the recoveries are becoming smaller, leading to more investors carrying losses.  Some may start panic selling.  I know I'm starting to feel the urge to close out some of my small gains. 

However, I keep reminding myself of our strategy to create a monthly retirement "paycheck," and I stay the course.   I continue to hodl the majority of our investment positions, with only sales of peripheral small positions.   If the market continues to decline, it will be a first test of our "paycheck" strategy.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Volatility is Back and I Don't Care for Now

First, it was SAAS dropping and not recovering.  Now, it's memory stocks dropping 30-40% after a 9 month parabolic run and all time highs last week.  What's next??  The answer is:  I don't know.  The market may go down, stay the same or go up.  Hopefully, my new strategy will enable me not to care.

Why?   In the past year, I've sent up our investments to create a monthly "paycheck," which will be independent of market volatility.  However, since I created the "paycheck" the market has not had a major pullback.  Most of the time, it has rebounded quickly.

This time, it may continue downward for a longer period.  My immediate reaction will be to do nothing, no adding new positions, and neither selling nor buying for existing positions other that to thin out individual stocks or adding market ETFs.

Will I be agnostic to volatility?   I hope so. We shall see.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Managing Our Kids Tax Returns

When I first started working summers, my dad did my tax returns.  That was a great help and relief to me.   Now I'm doing the same for my kids.   One difference now is that tax returns are more complicated, but tax relief for dependents is more frequent, if one fills out the return properly. My dependent kids are exempt for federal and state taxes if they earn less than $16,100 in wages, or less than wages + 450 unearned income up to $16,100.  If they only have unearned income, they need to have less than $1350 income to be tax free.

For my daughter, who will earn less than $16,100, I ensure she has less than $450 of unearned income.  For my son, I ensure he has less than $1350 of unearned income.   If I meet this income criteria, they are tax exempt and do not need to file a tax return.

For federal tax withholding, my daughter can fill out a W-4 exemption from withhold and have zero dollars withheld.  Thus, no federal tax return is needed.  Unfortunately, there is no exception for withholding in our state.  Thus, my daughter needs to file a state tax return each year to get 100% of state withheld taxes refunded.  I am authorized to file on her behalf and do so since I can get it done in less than an hour.

I plan on doing tax return gratis for my kids to help them get through their first few years of full time employment.  

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

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

Copyright © 2026 Achievement Catalyst, LLC

Cleaning and Staining the Wood Deck

We have a treated wood deck in the back.  We do the power wash cleaning and staining ourselves.  In the past, I power washed the entire deck first over several days, due to clearing furniture and plants from one section to another.  Then I stained over several days due to moving furniture and plants to finished sections and allowing that section to be stained.  Since the deck is built from 2X4 treated wood with 3/8 inch gaps, it's acceptable to stain a section over different days since no overlap can be seen.

This year, I decided to clean and stain a section (about 10-15%) at a time.  It was satisfying cleaning and staining in this manner since a section would be finished and looking good, instead of waiting for completion.  Also, it enabled me to go over and touch up the power washing easier, since I often need 2-3 passes to ensure no spots are missed. Finally, I am able to work in 1-3 hour segments, which allows me to schedule into a few hours gap during the day instead allotting the whole day.

I am almost finished and everything looks great so far.  Only one or two more sections to go, depending on how much time I have to do a section.

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

This is not financial, deck maintenance nor do-it-yourself advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Being More Greedy for Now

I've been selling off our small share holdings just as they become profitable, even though it is a small percentage.   This is consistent with my objective of simplifying our equity holdings.  However, lately, if I had held some of this small positions a bit longer, I would have had more gains.  For example, I sold SandDisk for 58.51 for a very small gain in September 2025, after it was spun off from Western Digital in March 2025 and carried a loss.   Today, SandDisk is about $2000, benefitting from memory shortage due to AI needs.

Of course, even if I had held it, I would have sold long ago, probably less than $100 since I have had previous stock pop over 100% only to pull back and go below my purchase price.  However, now I have a few more stocks that are approaching breakeven after being down many years including: KOPN, DFTX, OUST, CLOV, PSNL, and NWL.  While my strategy is to sell immediately when profitable, I'm temporarily going to be more greedy and hold for bigger profits.

Being greedy can backfire and lose the small gains that I have, but it seems the market is irrational enough that I can stay greedy at least until October 2026, just before the midterm elections.

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

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Wendy's - A Lotto Buy on New WSB Meme Stock

Every so often, Wall Street Bets focus stock becomes a meme stock that members are enthusiastic about buying.  The most famous and biggest meme stock surge is GameStop in 2021.  Others have had much smaller advance, but still attracted buyers.

The latest meme stock is Wendy's (WEN), which is a well know fast food chain.  Wendy's is the most famous running jock on Wall Street Bets, working there officially or unofficially (NSFW) due to losing bets in the stock market.  However, this time the members are out to save Wendy's with a concerted effort to help the stock surge.  Additional factors that may help the surge are:  New management and about 35% short interest.

A number of WSB members are buying large amounts of WEN and gambling on a big win.  Not me.  I just consider this a lotto ticket, likely to lose but entertaining to buy some.   I bought 10 shares of WEN last Thursday.  It's more expensive than most scratch off tickets, but I can deduct the losses when I have a losing lotto stock pick.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Still Not Buying SpaceX

I'm still on the sidelines watching SPCX.  I'm waiting for it to fall below its initial IPO price of $135, which is below its opening price of $150 on June 12, 2026, the first day of trading.  At $135, all retail owners will be underwater, which may create a selling dynamic driving the price down further.

On the other hand, adding SPCX to the indices is expected to drive prices up, due to buying pressure. On June 29, 2026, SPCX will be added to the MSCI and Russell indices.  In early July 2026, SPCX will be added to the Nasdaq 100 index.  SPCX won't be added to the S&P500 until after a 1 year waiting period and achieving 4 quarters of GAAP profitability.  

The valuation of SPCX doesn't make sense to me.  It seems people are betting on Muskman to deliver extraordinary valuation like Telsa.   For reference, Telsa has a market cap greater than the next 35 car companies, despite being seventh in profitability.  Huh??  I guess that's the Muskman premium.

In 2025, SPCX lost $4.9 billion, yet valuation is about $2 trillion.  IMHO, the Muskman premium isn't worth that much.  I think I will wait until SPCX is under $10 before think about buying.  Today, SPCX closed at $157.73, down $30.40 or 14.74%.  

However, FWIW, I've often been wrong about tech/internet stock early valuation including many of the current top market cap stocks.

Disclosure:  I currently own Tesla stock (TSLA) despite being overvalued by traditional metrics.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Doing Kids Favorite Activities

My original parenting strategy was to influence my kids to like what I was interested in.  I put them in sports when they were younger.  I had them work with me on DIY projects.  I had them do daily tasks and errands with me. I took them to video game arcades.

The results?   Nothing since they had no interest.   No interest in most sports.   No interest in learning how to fix things, even though they asked me to fix many things.   Definitely, no interest in daily tasks and errands.  High interest in video game arcades, which they would do with me.  The kids did like there own personal gaming machines.

Recently, I decide to try some of my 13 year old son's interests.   He loves F1 racing.  I watched a documentary on F1 racing with him.   It seemed much more interesting than only watching cars going around a track.  There were interviews with the principals and the drivers.  Then I watched a Grand Prix race with him.  It was more interesting knowing who the drivers were. 

While I'm still not interested in attending an F1 race (and neither is he, yet), he now has an Apple TV account and can watch all the Grand Prix races live, and in replay mode.  I've been watching mostly the replays with him.  It's been fun and now I'm interested in F1 racing.  The best part is we're spending time together and having fun.

My new strategy is to be involved with my kids' favorite activities regularly.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Working Through Lunch was Not a Good Choice

Before I retired, I constantly worked though lunch, often skipping having anything to eat.  I thought I would be more focused and productive by continuing to work.  Now that I'm retired, and eating regularly with several snack, I realize that skipping lunch was a bad choice.

Here's why it was a bad choice:

• I was less healthy.   Being hungry, eating more junk food at meals, and drinking much more coffed.
• I was more stressed.  I should have taken time for lunch, and perhaps a couple breaks in the morning and afternoon.
• In hindsight, I wasn't more productive.  I just spent more time doing the work and stretching it out.
• I extended skipping meals to skipping dinner at times.   Again, not a good choice.
• Even though I was skipping meals, I gained weight. Hmmmm.

Now, I make sure I have breakfast everyday.   I split lunch time up in the 2-3 segments, usually a large salad without dressing, a vegetarian burger, and sometimes a soup.   Dinner is a little more random, but I always eat healthy, another salad and/or a bean dish.   I avoid fried foods, and high fat foods.  Also, 80-90% of our meals are home made.   We rarely eat out nor have frozen meals.

 Looking back, I should have eaten regular meals while working.   I expect I would have had a healthier lifestyle and been more productive.

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

The Sky is Falling or Buy the Dip

Last week, especially Friday, June 5, 2026 was dismal for the stock market.  Memory and space stocks took a big hit.  The S&P 500 was down over 2%.  Looks pretty ugly.

I used to agonize over whether to keep my investments or sell them before they go lower, since my metric was how much assets grew to support our retirement.  Last year, I changed our metric to how much monthly income our investments generate, hopefully independent of volatility.  This dip will help me understand how this new strategy is working.

For now, I'm going to hodl what I own and refrain from buying the dip at the current levels.  If the dip goes another 10%, I may reconsider buying into some existing positions.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Vibe Investing is Working Great

Measures such as price/earnings, dividend payout,  and other technical factors don't seem to matter as much as before for stock market values.   Vibes seem to be the new controlling factor. 

IMHO, there seems to be multiple vibe vectors that affect movements in stock prices:

• Bull vs. Bear
• Positive vs. Negative
• In the Market vs. On the Sidelines
• Optimistic vs. Pessimistic
• Reasonable Risk vs. Unsafe Risk
• Trump Pump vs. Trump Dump

When the vibes move more to the left, the stock price tends to rise.  The more to the left, the faster it rises.  When vibes move to right, the stock price tends to fall.

My assessment of vibes is that they are solidly in the left.   My vibes are slightly more to center, and I have gone full retard on equities since I'm hedging with bonds and bond funds.  However, I'm still hodling what I have.

Who needs to study and evaluate the technical data.  Lately, vibe investing works all the time, about 60% of the time.😎  LOL.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Discover Card Bonus Rewards

Discover was the first card to give cash back.  It also didn't charge an annual fee. I think it was a 1/4% cash back for the first $3000 and 1% after that.  I got this card when it first came out.  The new Discover card is 1% cash back on all purchases. I also got this card because my daughter referred me and we both got $100 when I was accepted and spent a minimal amount.

Discover does offer bonus 5% cash back for certain purchases.  The bonus categories are varied, change on a quarterly basis, and have a limit of $75 bonus on $1500 of purchases.   For example, this quarter (April - June), restaurant and home improvement store charges receive a 5% cash back.

Cash back rewards can be used as follows:

• Payoff card balance.
• Deposit to linked bank account.
• Purchase gift cards at a 5-20% discount.

I don't don't link to a bank account.  I originally got gift cards but only when I expected to use it right away.  Lately, I've been paying part of my card balance.

Disclosure:  I was not compensated by Discover for this post.

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

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

Copyright © 2026 Achievement Catalyst, LLC

I've Been A Stock Market Scaredy-Cat

In the past, with every market pump, I've been scared to get in.  When the market finally dips, I've been scared to get in.  I expect that the Great Recession/Depression type bear market is going to happen.

As a result, I've never been fully invested in equities.

I still think that there will be an inevitable bear market.  The stock market can't keep going up forever, even with President Trump continuous encouragement and TACOs.  However, I have developed an investment strategy that will help me weather a bear market and keep my kids fully invested for the long term.

For now, I believe that March 31, 2026 is the bottom from which this rally has started. Although, I bought the dip prior to March 31, I'm going to hodl there is a clear top, which sometimes is hard to define.   In the meantime, I'm buying bonds and bond funds to create regular income, which should enable us to survive the stock volatility downward should it occur suddenly.

I still don't see a clear top yet.   So, I'm hodling at this time.

On the other hand, I'm having them make monthly investments into the S&P 500 Index in their Roth accounts, when they qualify for them, and continue to do so for 40 years.   For their 529 plan, they are invested mostly in CDs since they need the money in few years.  However, we're putting new 529 contributions into an S&P 500 Indext.

We shall see if this cures me from being a Scaredy-Cat.  Of course, this works until it doesn't and YMMV.  

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

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

Copyright © 2026 Achievement Catalyst, LLC

United Explorer Visa Card Bonus Rewards

All our credit cards earn points or cash back.  I try to use the card that benefit us the most.   Sometime this involves managing which card to use since some card offer bonus rewards periodically.

I have a United Explorer Visa card that I rarely use.  I originally got the card because we were flying United and it enabled us to check two bags for free.  In addition, I received two passes to their lounge, which we did use.  Also, I just found out I can use United points to pay the annual card fee.

However, I don't use the United Explorer card much except when they have occasional points bonus reward of 1000 point when spending $500 and and additional bonus of 1500 points if done in all three bonus months.  Recently though, the United Explorer increased the number of ways to get bonus rewards.

• $100 flight credit for spending $10000 in a calendar year.
• 6000 bonus miles for spending $7000 in a specified 4 month period.

Right now the bonus mile programs overlap in timing which means the same spending can apply to both bonuses.

For us, this is not additional spending.  It's just a choice of which card to use for rewards, since we use credit cards for almost everything, groceries, entertainment, travel, online purchase, etc, except if there is a added charge for using a credit card.

I estimate all the bonus miles will get me close to one economy round trip flight on United for one person.

Disclosure: No compensation from United or Visa was received for this post.

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

This is not financial, credit card, nor travel advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Self Defense Against Financial Scams

From MSN

4 financial scams targeting seniors to watch for as AI and deepfakes raise the stakes

Below is summary of the headlines.

• Investment Scams: “Guaranteed Returns” Are Often a Trap
• Romance Scams: Emotional Trust Turned Into Financial Theft
• Government Impersonation Scams: When Fear Becomes the Weapon
• Tech Support Scams: The Fake Emergency on Your Screen
• A New Layer of Risk: AI Voice Cloning and Deepfake Family Emergency Scams

In summary of the article, it seems good actions to take are avoid being pressured by urgency, disconnect  when pressured for money, consult with a trusted person, and contact the authorities if needed.

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

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

Copyright © 2026 Achievement Catalyst, LLC

Ignored Financial Tasks than Became Important Later

This is what I've noticed based on my own experience.

Here are the financial basics we focused on when younger.  These are many of the financial decisions and tasks needed when the kids are still living with parents.

• Earning money through jobs.
• Focusing on careers
• Increasing earnings
• Paying for the following
• Rent/mortgage, home maintenance, utilities, car payment.
• Necessities such as groceries, clothing, transportation.
• Day care for children.
• Entertainment, eating out, extracurriculars for children.
• Health insurance and medical expenses
• Saving for:
• College
• Retirement
• Home down payment
• Borrowing
• Funding college
• Buying auto
• Home mortgage

Here's are some of the tasks we ignored until later. These are future financial tasks that don't receive much attention until closer to retirement.

• Income calculation during retirement
• Social Security
• Stable and regular income from investment
• Simplifying financial tasks
• Investments - Reduce number of accounts and types of investments
• Credit Card - Reduce number and annual fees
• Higher costs needed to compensate for aging
• Health and long term care premiums
• Residence modifications
• Spending plan based on older lifestyle
• Renovations both minor and major
• Vacations with children's families
• Helping adult children with major costs
• Grandchildren college expenses.
• Creating a Trust or Will
• Choosing someone to handle financial affairs when one is unable to handle on their own.

In some cases, I did some of the financial tasks for older people because I learned about them with my parents, for example Creating a Trust.  Others, I didn't consider until after retirement, for example Social Security.

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

This is not financial, retirement nor aging advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

20 Year Treasury Yielding 5%

I'm buying the 20 year Treasury since it's yielding 5%.  Yeah, there are risks with locking up money that long.  Inflation could increase significantly.  The U.S. government could default. 

A worst scenario for our retirement is the 20 year Treasury yield goes down for a long period to 1% as it did in 2020, or hovers around 2.5% as it did from  2012 to 2019.   That would reduce our retirement income significantly.

I am ok with the risk that interest rates go up, even if it is to 7-10%, since I don't think it would be more than for a couple years, which is survivable.  And we would still have some cash to invest at those higher rates.

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

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

Copyright © 2026 Achievement Catalyst, LLC