Scarsdale Investment Group Library
NEWSLETTER
2025
OUTSOURCING OUR FINANCIAL DECISIONS
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter July 11, 2025
HOW MARKET SENTIMENT INFLUENCES INVESTING IN BONDS
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter March 5, 2025
HIGH YIELDS ON HIGH-QUALITY TAX-EXEMPT MUNICIPAL BONDS
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter February 3, 2025
2024
Should I Accept a Tender Offer to Sell My Municipal Bonds?
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter October 15, 2024
How Can I Protect Myself Against Inflation?
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter September 29, 2024
Why is This the Right Time to Buy Bonds?
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter July 30, 2024
How to Evaluate a Municipal Bond
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter March 19, 2024
A Short Commentary: The Current Risks of Stocks and Bonds
By Hildy Richelson and Stan Richelson, Scarsdale Newsletter March 9, 2024
2023-2022
The Return of the All-Bond Portfolio
Hildy Richelson and Stan Richelson, Scarsdale Newsletter December 26, 2023
A Big Opportunity in Today’s Market - Sell Stocks, Buy Bonds
Hildy Richelson and Stan Richelson, Scarsdale Newsletter August 21, 2023
I Just Lost Money in Bonds
Hildy Richelson and Stan Richelson, Scarsdale Newsletter March 24, 2022
Individual Bonds and Compound Interest
Hildy Richelson and Stan Richelson, Scarsdale Newsletter May 17, 2022
Should You Buy Bonds When Interest Rates Are Rising?
Hildy Richelson and Stan Richelson, August 2022
Retirement Planning with Bonds
Hildy Richelson and Stan Richelson, September 2022
Birth of the Scarsdale Investment Group
Hildy Richelson and Stan Richelson, October 13, 2022
2021-2019
Bonds Are Being Called - What now?
Stan Richelson and Hildy Richelson, Scarsdale Newsletter, January 11, 2021
Why Read About Bond Ratings?
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, April 26, 2021
Case Study: Publicly Trades Fixed Income and Nonpublic Private Debt
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, July 21, 2021
Should You Buy Bonds When Inflation Rumbles?
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, August 19, 2021
Why Not Invest In Triple B- and Lower Rated Bonds?
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, August 19, 2021
Our Investment Guidelines
Hildy and Stan Richelson, Advisor Perspectives, February 3, 2020
Dreams and Reality: Market Performance 2020
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, February 25, 2020
Cross-Generational Conversation About Bonds
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, April 29, 2020
Tender Offers for Bonds: A Case Study of Microsoft Corporation
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, May 19, 2020
Navigating Your Retirement: Bonds Actually Outperformed Stocks
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, July 8, 2020
The Bond Market Reality - Observations and Insights
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, September 2, 2020
Diamonds Are Forever - Bond Ratings, Not So Much
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, October 7, 2020
Why Are All Your Bonds Being Called?
Stan Richelson and Hildy Richelson, Scarsdale Newsletter, November 10, 2020
A Strategy for Volatility - Gaining Mastery and Tranquility
Hildy and Stan Richelson, Scarsdale Newsletter, January 22, 2019
The Art of Growing Savings
Hildy and Stan Richelson, Scarsdale Newsletter, February 27, 2019
THIS WE BELIEVE - The Paycheck Strategy for Lifetime Investing
Hildy and Stan Richelson, Scarsdale Newsletter, July 25, 2019
Should You Reach For Yield?
Hildy and Stan Richelson, Scarsdale Newsletter, September 16, 2019
How to Invest in Negative and Low Interest Rate Environments
Hildy and Stan Richelson, Scarsdale Newsletter, October 14, 2019
2018-2015
Bonds: A Strategy for Volatility and Rising Interest Rates
Hildy & Stan Richelson, Scarsdale Newsletter, February 22, 2018
Dependable Financial Planning - the Scarsdale Way
Hildy & Stan Richelson, Scarsdale Newsletter, March 26, 2018
Planning Cash Flow for Retirement
Hildy & Stan Richelson, Scarsdale Newsletter, June 6, 2018
The Third Rail of Financial Planning
Hildy & Stan Richelson, Scarsdale Newsletter, August 7, 2018
Interest Rates Have Gone Up - A Good News Approach
Hildy & Stan Richelson, Scarsdale Newsletter, October 23, 2018
Why Work When I Could Retire?
Stan Richelson, Scarsdale Newsletter, February 6, 2017
How to Deploy the Metagame in Bond Investing
Hildy & Stan Richelson, Scarsdale Newsletter, August 9, 2017
Why Pay a Premium for Bonds?
Hildy & Stan Richelson, Scarsdale Newsletter, September 12, 2017
Buy Muni Bonds: Don't Delay Cash Flow Creation
Hildy & Stan Richelson, Scarsdale Newsletter, December 5, 2017
Understanding Bond Calls: What it Means for Your Cash Flow
HIldy & Stan Richelson, Scarsdale Newsletter, February 17, 2016
Bond ETF's: What You Don't Know Can Hurt You
Hildy & Stan Richelson, Scarsdale Newsletter, July 27, 2016
Using Bonds to Create A Paycheck For Retirement Planning
Hildy & Stan Richelson, Scarsdale Newsletter, February 11, 2015
Bond Investing and the Principle of “Ockham’s Razor”
Stan & Hildy Richelson, Scarsdale Newsletter, March 2, 2015
What if Interest Rates Go Up?
Stan & Hildy Richelson, Scarsdale Newsletter, July 8, 2015
Warren Buffett Principles Applied to Scarsdale
Stan & Hildy Richelson, Scarsdale Newsletter, August 5, 2015
Responses to Subscriber Questions
Stan & Hildy Richelson, Scarsdale Newsletter, August 18, 2015
2014-2011
THIS WE BELIEVE – The Paycheck Strategy for Lifetime Investing
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, July 31, 2014
Maximizing Profits When Investing In Bonds
Hildy Richelson, Scarsdale Newsletter, September 1, 2014
What is Your Personal Inflation Rate?
Hildy Richelson and Stan Richelson, Scarsdale Newsletter, June 18, 2013
Why Buy Bonds in A Low-Interest Rate Environment?
Stan Richelson, Scarsdale Newsletter, August 6, 2012
Bond Defaults – Chat with a Financial Planner
Hildy Richelson, Scarsdale Newsletter, July 20, 2011
2010-2009
Investment Dilemma: Short-versus Longer-Term Bonds
Hildy & Stan Richelson, Scarsdale Newsletter, February 2010
The Municipal Bond Market: Take II
Hildy & Stan Richelson, Scarsdale Newsletter, April 2010
A Safer 4% Withdrawal Rule
Hildy Richelson, Scarsdale Newsletter, June 23, 2010
Questions, Questions, Questions
Hildy Richelson, Scarsdale Newsletters, June 24, 2010
The Risk of Muni Defaults
Hildy Richelson, Scarsdale Newsletter, July 27, 2010
Strategy of Hope
Hildy Richelson, Scarsdale Newsletter, August 12, 2010
Moral Obligation Bonds
Stan Richelson, Scarsdale Newsletter, September 1, 2010
Bond Portfolio Construction Considerations
Hildy Richelson, Scarsdale Newsletter, September 10, 2010
How to Think About IRA Investments & Distributions
Hildy & Stan Richelson, Scarsdale Newsletter, October 2010
Cash Flow: Stock Dividends versus Bond Interest
Hildy Richelson, Scarsdale Newsletter, November 18, 2010
Achieving Financial Independence
Hildy Richelson, Scarsdale Newsletter, December 13, 2010
Muddying the Water: General Obligation Bonds
Hildy Richelson, Scarsdale Newsletter, February 9, 2009
Bond Funds = Individual Bonds — NOT
Hildy & Stan Richelson, Scarsdale Newsletter, August 2009
Ditch the Casino of Hope and Fear
Hildy & Stan Richelson, Scarsdale Newsletter, September 2009
Lessons Learned from Ivy League Investing
Hildy & Stan Richelson, Scarsdale Newsletter, October 2009