Avoiding 21st Century Twaddle

“Man, as a social animal who has the gift of language, is born to prattle and to pour out twaddle that does much damage when serious work is being attempted. Some people produce copious amounts of twaddle and others very

Reaching Financial Independence

When can you give up the security of a regular paycheck? This is a fundamental question that everyone must eventually answer in the context of their own “retirement”.  I put “retirement” in quotes because what we are really talking about is not necessarily

The Financial Flu Shot: Using Bond Ladders

This post was originally published on December 27, 2017 Take a moment to log into your investment account and write down the balance.  In late 2017, you probably feel pretty good about it if you have diligently saved over the

Making Sense of Obamacare Open Enrollment

This article was originally published in December 2017. “I know that there are millions of Americans who are happy, who are content with their health care coverage — they like their plan, they value their relationship with their doctor.  And

Fifteen Years to Financial Independence

There are many aspects of life that seem to follow a general pattern:  What we know is good for us in the long run seems contrary to what we think is pleasant or pleasurable in the short run.  This is obviously one of the main

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