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Merrill Lynch has this retirement calculator online, which is one of a number available. It has an annoying talking voice, but you can mute it. It is an interesting calculator, in that it may assure you that...
Monday, April 30, 2012
Every Day is a Struggle
Life is a struggle - and it never gets easy, either. Many folks take the easy ways out and wonder why things don't work out well for them. You have to struggle, daily, to get ahead.OK, so we sold off all our...
Pedal Confusion
Pedal Confusion Happens - to the best of us! Women and the Elderly seem particularly prone.The government released a report the other day, citing pedal confusion as the cause of the "unintended acceleration" crashes of many...
Property Taxes and Wealth versus Income
You can own a home outright and still not be able to afford it. Huh?In the last 20 years something weird has happened in America, and most folks are not talking about it. I am not talking about the housing bubble, the...
Sunday, April 29, 2012
Every Possible Thing You Can Do Wrong!
If you look up "Schmuck" in the Dictionary, you will see this photo.A reader tipped me off to this article in the New York Times (consider the source) about how 401(k) plans are a "failure". They are not a failure, but...
Lawyer Scams!
Lawyers have a well-deserved reputation for sleaziness. But like all good scams, most of them prey upon the greed of the Mark. If you get ripped-off by a sleazy lawyer, chances are, it was because you engaged him.There...
What Time Is It? What Day?
One of the most subtle normative cues in your life is the calendar - and the clock. Most folks just take the date and time for granted, not realizing that this very simple thing affects how you think and act - and is also...
Breakfast of Champions
I just got back from a camping trip. This morning, I watched a severely overweight man consume a two-liter bottle of Mountain Dew as breakfast.What is wrong with people today? Doesn't he realize that is a horrible...
Monday, April 23, 2012
Dream Home, or Haunted House?
A dream house can turn into a nightmare. Possessions are less important than people and ideas.When I was about 8 years old, my parents had to move. My Dad lost his job (again) and after some searching, found...
Liveaboards Welcome
Marinas are like RV Parks. And when people turn boats and RVs into full-time or vacation homes, they are no longer boats or RVs.We went back to the Marina the other day - where we used to keep our boat. What was interesting...
Friday, April 20, 2012
Act your Income!
When your income increases, it is tempting to increase your spending. Living within your income is hard to do. Living below your income range, even harder. But if you want to accumulate wealth, rather...
Would it Really Change Things?
People are all up in arms about income disparity. Assuming we solved this "problem" tomorrow, would it really affect your personal finances? No, it would not.A young college graduate carries a sign while "Occupying"...
Thursday, April 19, 2012
Free Gas for Two Years?
People will salivate like Pavlov's Dogs for Free Gas!On the way to the grocery store today, I pass a sign for the local Ford/Kia dealer. This dealer advertises cars for ridiculously low monthly payments, which of course is a...
Wednesday, April 18, 2012
Small Town or Big City? Big City.
Small towns may have a lot of charm, but they have very limited economic opportunities, particularly for young people.Many folks claim that there is nothin' better than country livin'. And apparently the letter "g" is missing...
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