The Financial Flu Shot: Using Bond Ladders

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 years and participated in the long bull market that

Setting Up Your Bicycle as a Car Replacement

One of the first posts on this blog was How I Escaped the Car Clown Habit and there was a good reason for that.  Driving absolutely everywhere in a two ton metal box on wheels is fundamentally wasteful and irrational

Making Sense of Obamacare Open Enrollment

“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 no matter how we reform health care, I