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Archive for June, 2010

Of Hockey Players and Home Buyers: The Luck of the (Birth) Draw

Not long ago (15 years, say) you could buy a decent house in San Francisco for $40k down and $2.5k a month. For many, that was doable, especially since it cost $2.5k to rent that same house. And, as icing on the cake, you got the appreciation ride — an […]

Knowing the First Thing About NPVs

Those of you who have worked with me or have read my Services Overview FAQ know that I am all about teaching people to fish, rather than giving them a fish, as in the saying, Give me a fish, and my hunger will be satisfied for a day, but teach […]

The Rules of Phishing Avoidance

Today’s post is a simple one about security. We start with the premise that there are scoundrels out there who want to do you harm. And, no, this is not The Four M’s (Marilyn Manson and Michael Moore) arguing that the corporatocracy ruling the land wants all of us to […]

Are We There Yet? — The Un-Fun Fatigue Factor

Last fall and earlier this year I saw a lot of clients just loose steam on this whole recession thing. Since 2008 they had been just grinning-and-bearing it. It was un-fun to the n’th degree, but they knew the whole thing would be over sooner or later, and probably sooner […]

Magical Dollars

Dollars are fungible. They really are — kinda. When most people hear that phrase, though, their only response is to say, “what’s fungible mean.” Lawyers learn the word in lawschool, and a few others learn it in their work. But just about no one learns it as part of their […]