Collected Formulas

I seem to pick up retirement formulas like the colds I get from my kid's middle school: often and sometimes with similar effect. Rather than posting each one separately or re-titling a past post from "5 formulas" to "6 formulas" and so on I put them all on their own page here (tab at top of site) called "Collected Formulas."  I'm up to 11 now (actually 12 if you count carefully). In a world where one must adapt and where one might also be suspicious of or resentful of proprietary black boxes, fee based or otherwise, transparent formulas can sometimes be quite useful and sometimes reassuring.