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

Setting Up Your Bicycle as a Car Replacement

Driving absolutely everywhere in a two ton metal box on wheels is fundamentally wasteful and irrational.  The rational way to think about automobiles is that they serve very useful purposes when one needs to accomplish very specialized tasks.  If you

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

Tax The Small Investor Behind The Tree

“Don’t tax you, don’t tax me, tax that fellow behind the tree!” — Senator Russell B. Long “No one should see how laws or sausages are made. To retain respect for sausages and laws, one must not watch them in the

Spartan Moving 101

Simply selecting the “default option” that everyone else seems to choose can be a very expensive proposition.  In daily life, most people are creatures of habit and emulators of the people around them.  If your friends and coworkers eat out

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