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

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

Fifteen Years to Financial Independence

There are many aspects of life that seem to follow a general pattern:  What we know is good for us in the long run seems contrary to what we think is pleasant or pleasurable in the short run.  This is obviously

Everything is Negotiable – Including Your Cable Bill

In a cash-based economy, people tend to negotiate when it comes to all sorts of purchases as they go through their daily routines.  Part of this is obviously due to culture and a history of bartering, but it seems like

Escaping the Ratcheting Lifestyle Trap

The Wall Street Journal published an interesting article recently regarding the sad financial future awaiting many NFL players.  The article cites a study that analyzed the financial data of more than 2,000 players who were drafted by the NFL from