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Books I recommend on personal finance
A friend of mine at work asked me to recommend books he could read on personal finance. I decided to publish my list and reasoning for anyone who is interested. I think the first two contain...
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Social Security is doing fine
One of the discussions I have with friends that most seems to confuse them is when I say that Social Security is in great shape. They take it as an article of faith that Social Security is doomed. Now...
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To rent or buy a house?
Should we rent or buy a house? A fairly quick and easy rule of thumb is (Price of a new home)/(monthly rent for equivalent home*12). As Dean Baker argues if the result is 15 or below then it makes...
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Investing in the global stock market
I want to invest in a global capitalization weighted free float stock market index. Below I explain what I mean, who provides such indexes and how I would build such an index using just two funds. 1...
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How I manage our retirement portfolio
A friend of mine (Hi Matt!) made the awful mistake of asking how I manage our retirement portfolio. I decided to put together a relatively quick (and hence incomplete) explanation. It comes down to a...
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Life and long term disability insurance
I have a wife and a family and in case something happens I need to make sure they are protected. ’Something’ however can range from death (which is relatively easy to plan for) to long term disability...
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Where to stash emergency cash?
In this article I explore the options for places to stick my emergency cash. This is cash I need in case things go ’bad’ for us. So my primary concern is safety. Below I walk through the options and...
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ESPlanner – Figuring out life insurance, retirement and more
How much life insurance do we need? How much do we need to save for retirement? How much do we need to save for our daughter’s college education? These are basic financial questions and they are...
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Asset Location for College Savings
Asset location is not so much about what investment to buy as where to locate it. A typical asset location problem is - do I put money in a taxable account or a tax exempt account? In the case of...
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How much will it cost to send our kids to college?
The short answer is that we don’t know. And before someone says ”what about the 529 prepaid plans?!?!” (which I discuss here) please keep in mind that those plans only track instate tuition fees and...
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