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Buying Cash Flows
Say you are looking to invest in a 10-year Treasury bond that pays a coupon rate of 5 percent. So if you invest one thousand dollars, you’ll get 50 dollars in interest each year for…
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Keeping Fixed Costs Low
I am starting to like biographies, especially of famous people in times past. More than knowing about the people, these biographies provide great perspectives on what life was like then. So think of Benjamin Franklin’s…
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The Best Age To Start Collecting Social Security
Social Security is one of the best things available to Americans. You may question the amount of benefits you receive compared to what you paid in but it was never designed to work like a…
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How To Deal With RSUs
RSUs or Restricted Stock Units have come to become a standard feature of your total compensation if you happen to work for any of the public companies, especially the tech ones. So when you sign…
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Dying With An HSA
We know the deal with HSA. The money goes in before any taxes are taken out, it grows tax-free when invested and you can use that money to pay for medical expenses, all tax-free again.…
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Base Rate Fallacy
You love to smoke and when someone points out its harmful effects, you say that my grandpa used to smoke a pack a day and he still lived to be 98. You also don’t like…
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Mistakes Hit Harder With Age
When you are young, your ability to earn income represents the largest portion of your total wealth. Your ability to earn is your human capital. Your financial capital, on the other other hand, barely amounts…
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Health Life Expectancy
Money won’t be a problem for most of you. The problem will be that you’ll have all this money but you won’t have much time. I recently learned about health life expectancy. The World Health…
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Charley Ellis’s 10 Commandments for Individual Investors
Charles “Charley” Ellis is the author of several investment classics like Winning the Loser’s Game and Capital: The Story of Long-Term Investment Excellence. He wrote these 10 commandments for individual investors that are universally applicable…
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Ignore The Joneses
Before the advent of social media, if you lived in a small town, your comparison set was rather limited. The richest person you’d know would be a doctor down the street. Apart from a select…