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Category: Investing

Financial Planning Does Not Have to Be Investing-Centric

We start with this:         <>    Do you know what that means? If not, then please allow me to take you back to yesteryear, and to little-you sitting in your little chair in arithmetic class, so that I can re-introduce you to your dear old friends, […]

Top 10 Financial Decisions that Most People Take a Powder On — and Shouldn’t

According to The Free Dictionary, to take a powder means, “To leave a place suddenly, especially in order to avoid an unpleasant situation, as in, He saw the police coming and took a powder.” Lots of folks take lots of powders on lots of financial decisions. Doing so is never as effective […]

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 […]

Luck vs. Skill: The Whitman Example

I knew folks at eBay while it was going through the steep part of the hockey stock — which is SiliconValley-ese for growing like all get out, the imagery being based on the shape of a graph of the revenues (and hopefully profits) of a company experiencing hyper-growth, with dollars […]

How Hard is it to Build a Terrible Portfolio?

Over the years I’ve noticed that most people’s 401k plan portfolios tend to do about the same — they tend to pretty closely track the market as a whole, and ultimately each other, especially if given enough time. Many of these plans tend to offer a middle-of-the-road menu of mutual […]