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Archive for December, 2012

Re: Guns and Gun Accidents, Johnny Cash Sings “I Hung My Head”

Johnny Cash, in his later years, made some truly wonderful albums, tastefully aided by producer wunderkind Rick Rubin. My fave is American IV: The Man Comes Around, in which you can delight in hearing Cash sing, for instance, First Time Ever I Saw Your Face (could there be a voice more […]

15-Year vs. 30-Year Mortgages (Part 1): Fun with Pix and Historic Data

A few days ago I wrote about the difference between tax-deferred retirement accounts and tax-paid retirement accounts, and commented about how the difference between the two is akin to a choice between instant gratification (for TDAs) and delayed gratification (for TPAs). So how about taking that same framework to mortgages? […]

Roth Accounts: The Most Underused, but Very Useful, Retirement Tool

During the 12/12/12 concert a few nights ago I was double-screening — with the big screen tuned to one of the many networks showing the event and the little screen tuned into my own little slice of the Twitterverse. It’s always interesting to see non-music folks commenting on music. One […]

Why Vanguard is the Best All-Around Financial Services Provider for Most Folks

When I was younger I had all my dentistry done at the U.C. San Francisco School of Dentistry. I did that because the price was right, and because I had more time on my hands than money. Sitting in that chair, with my mouth propped open and dressed with dams […]

The Decades Leading up to Retirement: Where Should You Be?

Recently I’ve had several conversations with 30-somethings looking to me for help in improving their overall financial health. Happy feelings ensued. It’s every financial planners’ delight, I say to them, to see people your age smart enough to be getting into action on improving their overall financial health with the help of […]