The JFF Blog

POPULAR POSTS

• A Better Solution to Hourly Billing Practices: Radical Real-Time Hourly Fee Billing
• Living Trusts are All About Avoiding Men in Black Robes
• Shame Shame Shame on the Estate Planning Industries -- and Me Possibly Lending a Helping Hand
• Couples and Financial Planning: Of Communication Flows and Gender-Neutrality
• Towards an Industry of Pure Financial Advice
• Not all debt is bad debt
• Death and Dying, and Two Tears
• Using the California Statutory Will
• When You Get Financial Advice for Free, are You the Product?
• Tommy Lee Jones, Ameriprise and the Double-Deal

PAST POSTS

• March 2020
• June 2019
• January 2017
• July 2015
• February 2015
• January 2015
• December 2014
• September 2014
• July 2014
• June 2014
• May 2014
• April 2014
• March 2014
• February 2014
• January 2014
• December 2013
• November 2013
• October 2013
• September 2013
• August 2013
• July 2013
• June 2013
• May 2013
• April 2013
• March 2013
• February 2013
• January 2013
• December 2012
• November 2012
• October 2012
• September 2012
• August 2012
• July 2012
• February 2012
• October 2011
• August 2011
• October 2010
• July 2010
• June 2010
• January 2010
• June 2009
• January 2009
• January 2008
• January 2007
• September 2006
• May 2006
• February 2006
• January 2006
• November 2004

CATEGORIES

• The Big Picture (44)
• The Financial Services Industrial Complex (43)
• The Financial World Out There (38)
• Investing (35)
• Politics (27)
• Being Smart (23)
• Fun with Numbers (22)
• The Big Us (20)
• Elder Years (17)
• The Ways of the World (13)
• Non-Numeric Financial Health (13)
• The Wonder of It All (12)
• Retirement Planning (11)
• Taxes (11)
• Business (11)
• Financial Jargon/Financial Language (11)
• Being Human (11)
• Financial Planning (10)
• The Financial Self Within Us (10)
• Retirement Accounts (10)
• Overall Financial Health (10)
• Insurance (10)
• The Medical Services Industrial Complex (10)
• Uncategorized (9)
• Balance Sheet Design (9)
• Spending (8)
• Debt (8)
• Friedman's Law of the First Thing (8)
• Numeric Financial Health (8)
• Top 10 List (7)
• Savings (7)
• Financial Advisors (7)
• Mortgages (6)
• Estate Planning (6)
• JFF Self-Reflection (6)
• Pure Financial Advice (6)
• What's Important About Money (5)
• Real Estate (5)
• Privacy (5)
• Building Your Financial Brain Trust (4)
• JF Self-Reflection (3)
• Online Safety (3)
• Technology (3)
• Making a Living (3)
• Scale Tales (3)
• Working for a Living (3)
• Lifestyle Decision-Making (3)
• MBAisms (3)
• Education Accounts (3)
• Money-Stored (2)
• Fun (2)
• Your Financial Personality (2)
• Financial Writing (2)
• Cashflowing (2)
• Money-In/Money-Out (2)
• Interest Rates (1)
• The Insurance Services Industrial Complex (1)
• The Legal Services Industrial Complex (1)
• Healthcare (1)
• Business of Financial Planning (1)
• Heathcare (1)
• Financial Ops (1)
• Friedman's Law of the 1st Thing (1)
• Children (1)
• Time Off from Blogging (1)
• Financial Wonkery (1)
• Couples (1)

TAGS

• AUM fees (13)

• Microsoft (10)

• Dave Ramsey (10)

• Apple (9)

• Facebook (9)

• Rorschach Test (9)

• Paul Krugman (9)

• NFs (9)

• Normal Folks (9)

• We're All in This Together (8)

• George W. Bush (8)

• Mitt Romney (8)

• assets under management fees (7)

• FSIC (7)

• WAITT (7)

• MSFT (6)

• You're on Your Own (6)

• FRED (6)

• Google (6)

• E*Trade (5)

• Excel (5)

• luck (5)

• iPhone (5)

• Ronald Reagan (5)

• IPO (5)

• Twitter (5)

• Medicare (5)

• YOYO (5)

• SFCA (5)

• Wall Street (5)

• The Fiscal Cliff (5)

• Vanguard (5)

• Ess Eff Sea Eh (5)

• Social Security (5)

• BofA (5)

• Wells (5)

• Citi (5)

• Chase (5)

• Paul McCartney (5)

• First Week of January Test (5)

• vig (5)

• death (4)

• Steve Jobs (4)

• financial services industrial complex (4)

• AAPL (4)

• SCOTUS (4)

• macroeconomics (4)

• Schwab (4)

• GDP (4)

• eBay (4)

• Alan Greenspan (4)

• family (4)

• initial public offering (4)

• ObamaCare (4)

• George Harrison (4)

• Bill Clinton (4)

• Edward G. Bernstein (4)

• Barack Obama (4)

• life insurance (4)

• index funds (4)

• 401k plans (4)

• Tax-Deferred Accounts (4)

• September the 15th 2008 (4)

• John Lennon (3)

• The Great Recession (3)

• money-in (3)

• GE (3)

• Komen (3)

• phishing (3)

• money-out (3)

• predictions (3)

• Osama bin Laden (3)

• The New Yorker (3)

• basis points (3)

• SEC (3)

• FB (3)

• Dems (3)

• Repubs (3)

• Paul Ryan (3)

• Yahoo Finance (3)

• Lehman (3)

• September the 15th (3)

• Groupon (3)

• mutual funds (3)

• Nate Silver (3)

• Noe Valley (3)

• Zynga (3)

• EOB (3)

• The Beatles (3)

• marginal tax brackets (3)

• financial planners (3)

• dentists (3)

• Medicaid (3)

• FSPs (3)

• Tax-Paid Accounts (3)

• FWoJT (3)

• no askee no gettee (3)

• Kafkaesque (3)

• commissions (3)

• there ain't no such thing as a free lunch. (3)

• TANSTAAFL (3)

• Warren Zevon (3)

• California (3)

• lawyers (3)

• Michael Kitces (3)

• BPs (3)

• Fandango (2)

• investing (2)

• BP (2)

• hockey players (2)

• Friedman's Law of the First Thing (2)

• double dip recession (2)

• General Electric (2)

• big numbers (2)

• righteous death (2)

• entropy (2)

• HP12C (2)

• PMT (2)

• savings rate (2)

• credit cards (2)

• dementors (2)

• Harry Potter (2)

• inflation (2)

• Krugman (2)

• lefties (2)

• righties (2)

• Ritholtz (2)

• The Big Us (2)

• retirement accounts (2)

• VTI (2)

• losses loom large (2)

• money for nothing (2)

• scam (2)

• money-stored (2)

• NINY (2)

• gold (2)

• guns (2)

• writing long (2)

• bankruptcy (2)

• nuance (2)

• for-profit schools (2)

• Proctor & Gamble (2)

• Interest rates (2)

• financial-speak (2)

• COBRA (2)

• Barry Ritholtz (2)

• The Red Queen (2)

• investment advisers (2)

• Vice Versa Rule (2)

• Al Pacino (2)

• PPACA (2)

• Netflix (2)

• James Bond (2)

• Mr. Softee (2)

• Todd Akin (2)

• The Lesser Depression (2)

• austerity (2)

• AIG (2)

• Bank of America (2)

• Powers that Be (2)

• Occupy Wall Street (2)

• Game Theory (2)

• Blackberry (2)

• Bain Capital (2)

• Bad Astronomy (2)

• LinkedIn (2)

• FiveThirtyEight.com (2)

• New York Times (2)

• Real Clear Politics (2)

• Mia Bella (2)

• Eric Idle (2)

• Iraq (2)

• urban infill (2)

• Market Street (2)

• income tax (2)

• dividends (2)

• capital gains (2)

• Hastings College of the Law (2)

• science (2)

• math (2)

• mortgage deduction (2)

• Ess Eff CA (2)

• HIPAA (2)

• Ironic (2)

• high-frequency trading (2)

• Puff the Magic Dragon (2)

• Alanis Morissette (2)

• Sgt. Peppers (2)

• Peter Paul & Mary (2)

• estate planning lawyers (2)

• money managers (2)

• auto-ding (2)

• IAPD (2)

• FPA of San Francisco (2)

• fee-only vs. fee-based (2)

• investment advisors (2)

• George Lakoff (2)

• Frank Lutz (2)

• Dan Hicks (2)

• POTS (2)

• voting (2)

• Bush v. Gore (2)

• end-of-year tax-planning (2)

• Procol Harum (2)

• Grover Norquist (2)

• defined benefit retirement plans (2)

• defined contribution retirement plans (2)

• Cass Sunstein (2)

• The Left (2)

• UHNWs (2)

• HNWs (2)

• Ameriprise (2)

• Fidelity (2)

• creative destruction (2)

• Michael Pollan (2)

• Joseph Schumpeter (2)

• human nature (2)

• Talking Heads (2)

• Once in a Lifetime (2)

• MoneyChimp (2)

• eyeballability (2)

• eyeballable (2)

• Phil Plait (2)

• asset-gathering (2)

• passive investing (2)

• active investing (2)

• Abraham Lincoln (2)

• fun (2)

• FPers (2)

• healthcare system (2)

• Meg Whitman (2)

• James Baker III (2)

• Bette Midler (2)

• Chicago (2)

• Every Picture Tells a Story (2)

• BLBHBs (2)

• Rocketship U.S.S. eBay (2)

• Roth accounts (2)

• it's getting better all the time (2)

• CAGR (2)

• IRS (2)

• Financial Services Providers (2)

• PITB (2)

• simplicity (2)

• TDAs (2)

• TPAs (2)

• IRAs (2)

• 403b plans (2)

• delayed gratification (2)

• instant gratification (2)

• Health Savings Accounts (2)

• HSAs (2)

• Ringo Starr (2)

• Johnny Cash (2)

• CPAs (2)

• charitable giving (2)

• Congress (2)

• free lunch (2)

• Leave it to Beaver (2)

• Baby Boomers (2)

• Clint Eastwood (2)

• monthly nut (2)

• oh the humanity (2)

• dreaded passive voice (2)

• Social Security retirement benefits (2)

• Monty Python (2)

• Wall Street Journal (2)

• Federal Reserve (2)

• Kafka's "The Trial" (2)

• Explanation of Benefits (2)

• learned helplessness (2)

• George Costanza (2)

• real estate bubble (2)

• Come What May (the) (2)

• Top 10 List (2)

• who gets what (2)

• David Letterman (2)

• Friedman's Law of Triangular Relationships (2)

• Malcolm Gladwell (2)

• Captain Beefheart (2)

• Star Trek (2)

• life insurance commissions (2)

• yay (2)

• Goldilocksian (2)

• State Bar of California (the) (2)

• doctors (2)

• Dire Straits (2)

• Seinfeld (2)

• Soup Nazi (2)

• nearer thy numbers to thee (2)

• Quicken (2)

• pricing (2)

• Benjamin Braddock (2)

• Ess Eff Sea Ay (2)

• estate planning (2)

• estate tax (2)

• revenue models (2)

• Mosaic 1.0 (2)

• Internet Bubble (2)

• blunderbuss question (2)

• standard of care (2)

• respite (2)

• hospice (2)

• love (2)

• San Francisco (2)

• leverage (2)

• Mid-Market (2)

• 8 Washington Street (2)

• Rule of 72 (2)

• Medicaid expansion (2)

• Silicon Valley (2)

• InsCo (2)

• rules of thumb (2)

• DOL (2)

• exceptionalism (2)

• American exceptionalism (2)

• ISIC (2)

• MSIC (2)

• American healthcare system (2)

• American healthcare (2)

• AARP (2)

• trap for the unwary (2)

• cause of death (2)

• dying (2)

• Howard Baker (1)

• maximization (1)

• honesty (1)

• got’ch’ya (1)

• RVW’ed money (1)

• RVW (1)

• Rip Van Winkle (1)

• banks (1)

• asset gatherers (1)

• index investing (1)

• index investments (1)

• Hindenburg (1)

• homebuyers (1)

• fish (1)

• domain (1)

• The Paradox of Thrift (1)

• 529 accounts (1)

• TUFFF (1)

• The Un-Fun Fatigue Factor (1)

• portfolio (1)

• investments (1)

• Heisenberg (1)

• Einstein (1)

• Marx (1)

• lefty (1)

• dialectic (1)

• gains get ignored (1)

• 9/11 (1)

• capital punishment (1)

• blogging (1)

• sinkhole (1)

• concentrated risk (1)

• LIBOR (1)

• quadrillion (1)

• Aaron Sorkin (1)

• Central Casting (1)

• Ain't Misbehavin' (1)

• Bankers Behaving Badly (1)

• Olympics (1)

• Malcom Gladwell (1)

• rent vs. own (1)

• timing is everything (1)

• luck is everything (1)

• San Francisco real estate (1)

• earnings announcements (1)

• charity (1)

• giving (1)

• the cut-off (1)

• mortgage brokers (1)

• mortgages (1)

• NPV (1)

• PV (1)

• time value of money (1)

• Reverse Polish Notation (1)

• security (1)

• craigslist (1)

• unemployed (1)

• underemployed (1)

• Bill Janklow (1)

• devil numbers (1)

• Marquette National Bank (1)

• South Dakota (1)

• usury (1)

• Walter Wriston (1)

• ZTABS (1)

• aggregate demand (1)

• empathy (1)

• Kedrosky (1)

• unemployment (1)

• fungible (1)

• magical dollars (1)

• rainy-day-account (1)

• rational economic beings (1)

• sunny-day-account (1)

• simplification (1)

• non-diversifiable risk (1)

• scammers (1)

• vigilance (1)

• Webloyalty (1)

• fee income (1)

• George Bailey (1)

• spread income (1)

• probabilities (1)

• probabilty cloud (1)

• Schrodinger’s cat (1)

• the observer effect (1)

• the uncertainty principle (1)

• wave function collapse (1)

• portfolio design (1)

• retirement planning (1)

• SFO (1)

• NFP (1)

• righty (1)

• wordcount (1)

• General Motors (1)

• GM (1)

• growth stocks (1)

• value stocks (1)

• corporate malfeasance (1)

• Goldman (1)

• First Week of January (1)

• Louis Rukeyser (1)

• forecasts (1)

• Nukes in New York (1)

• survivalism (1)

• loyalty (1)

• the end of civilization as we know it (1)

• Donald Trump (1)

• alignment (1)

• transparency (1)

• United Airlines (1)

• Southwest Airlines (1)

• LUV (1)

• UAL (1)

• Kafka (1)

• Catch-22 (1)

• spending = voting for the world you want (1)

• Suze Orman (1)

• student loans (1)

• credit card debt (1)

• multi-tasking (1)

• entrepreneurs (1)

• P&G (1)

• NPR (1)

• architecture (1)

• al Qaeda (1)

• annuities (1)

• fiduciaries (1)

• suitability standard (1)

• fiduciary standard (1)

• TravelZoo (1)

• technical analysis (1)

• fundamental analysis (1)

• group medical insurance (1)

• individual medical insurance (1)

• portability (1)

• POPS (1)

• privately-owned public space (1)

• Galleria Roof Garden (1)

• we don't have enough data (1)

• negative real interest rates (1)

• RQ (1)

• two-handeded economists (1)

• Inside Baseball (1)

• FINRA (1)

• SRO (1)

• opthomology (1)

• optometry (1)

• brokerages (1)

• Alfred Kahn (1)

• SkyNet (1)

• mock-up-able (1)

• un-mock-up-able (1)

• wisdom (1)

• physical health (1)

• aging (1)

• life's journey (1)

• freedom from regret (1)

• Life's Ladder Journey (1)

• Kinight Capital (1)

• stock market volume (1)

• big things (1)

• Zuckerberg (1)

• fail (1)

• BLS (1)

• Meteor Blades (1)

• unemployment rates (1)

• job creation (1)

• U3 (1)

• you can't handle the truth (1)

• politics (1)

• QnDGA Series (1)

• The JFF Blog Quick 'n Dirty Generic Answers Series (1)

• cashflow pump (1)

• asset'y liabilities (1)

• baseline scenario (1)

• Ezra Klein (1)

• Sarah Kliff (1)

• $716 Billion (1)

• scenario analysis (1)

• 60 Minutes (1)

• WonkBlog (1)

• CBO (1)

• Congressional Budget Office (1)

• ACA (1)

• Patient Protection and Affordable Care Act (1)

• Nancy Brinker (1)

• Susan Goodman Komen (1)

• New Coke (1)

• Tylenol (1)

• Tiger Woods (1)

• pink ribbons (1)

• battle lines being drawn (1)

• Planned Parenthood (1)

• Charity Navigator (1)

• CharityWatch (1)

• eleemosynary (1)

• I See You (1)

• Na'vi (1)

• Avatar (1)

• Pandora (1)

• Mr. Peabody (1)

• Wayback Machine (1)

• MUNI (1)

• John Schnatter (1)

• Papa John's Pizza (1)

• healthcare (1)

• EssEffSeeEh (1)

• Neil Cavuto (1)

• No puppy for you! (1)

• 10-to-1 (1)

• tautology (1)

• intentionally wounding (1)

• never-blinking Silicon Valley types (1)

• The JFF Blog (1)

• The Girl with the Dragon Tatoo (1)

• iPod (1)

• Forbes (1)

• Kurt Eichenwald (1)

• Vanity Fair (1)

• Charlie Rose (1)

• revenues (1)

• revs (1)

• Timothy Worstall (1)

• Netscape (1)

• mafia (1)

• Henry Blodget (1)

• EPI (1)

• OECD (1)

• income inequality (1)

• Lawrence Kudlow (1)

• Economics Policy Institute (1)

• Financial Services Media Complex (1)

• FSMC (1)

• liberal media bias (1)

• Chile (1)

• Mexico (1)

• Turkey (1)

• U.S.A. (1)

• iOS (1)

• Ramussen (1)

• the NAZ (1)

• stock market adage (1)

• buy on the rumor/sell on the news (1)

• Grace SLick (1)

• Matt Ridley (1)

• U.S. VC. DiCristina (1)

• Texas Hold 'Em (1)

• Zillow Real Estate Research (1)

• underwater mortgages (1)

• JFRQ Consulting (1)

• spoonerism (1)

• Archie Bunker (1)

• IPS (1)

• Investment Policy Statement (1)

• fractals (1)

• quantum mechanics (1)

• chaos theory (1)

• Bolinas (1)

• Bodega (1)

• Drake''e Estero (1)

• Point Reyes (1)

• Abbots Lagoon (1)

• Drakes Bay (1)

• Google maps (1)

• The Coastline Paradox (1)

• The Koch Snowflake (1)

• S&P downgrade (1)

• zoom level (1)

• Recession (1)

• JFRQ group email (1)

• US Airways (1)

• Firefox (1)

• Merrill (1)

• Reserve Fund (1)

• money market funds (1)

• breaking the buck (1)

• September the 11th (1)

• repos (1)

• commercial paper (1)

• J.P. Morgan Chase (1)

• Fannie Mae (1)

• Freddie Mac (1)

• P2B (1)

• The Boss of the Fabric of the Universe (1)

• mathematical concepts (1)

• The Tax Policy Center (1)

• Brookings Institution (1)

• The Urban Institute (1)

• Annie Lowrey (1)

• The New York Times (1)

• OWS (1)

• The 99% (1)

• The 1% (1)

• The 47% (1)

• % (1)

• Peggy Noonan (1)

• Jack Welch (1)

• repeat play (1)

• single play (1)

• financiers (1)

• business people (1)

• The Lesser Depresssion (1)

• Research in Motion (1)

• hover function (1)

• iWhatever (1)

• iPad (1)

• iTouch (1)

• Thunderbird (1)

• Mail (1)

• I Want My HDTV (1)

• HDTV (1)

• I Want My MTV (1)

• Space Shuttle Endeavor (1)

• collectivism (1)

• Bad Astronoer (1)

• Phill Plait (1)

• Mars (1)

• the Moon (1)

• Bas Lansdorp (1)

• Alice Kramden (1)

• scarcity (1)

• Stop It! (1)

• Return on Investment (1)

• ROI (1)

• University of California (1)

• Elon Musk (1)

• market cap (1)

• Intel (1)

• Trulia (1)

• LNKD (1)

• fundamenal investing (1)

• technical investing (1)

• ETFs (1)

• RAND (1)

• Ralph Fielding (1)

• Votamatic (1)

• electoral college (1)

• Princeton Election Consortium (1)

• Intrade (1)

• Ireland (1)

• ElectoralVote.com (1)

• Real Clear Science (1)

• Billy Bean (1)

• You had me at hello (1)

• upside-down glasses (1)

• Grinnell College (1)

• Psych 101 (1)

• Wile E. Coyote (1)

• Dick Cheney (1)

• Liz Cheney (1)

• Ron Suskind (1)

• Reality-Based Community (1)

• prism glasses (1)

• happiness (1)

• Daniel Gilbert (1)

• David Cameron (1)

• Iraq are (1)

• Hurricane Katrina (1)

• Heckuva job Brownie (1)

• Jax (1)

• Peg Bundy (1)

• Sons of Anarchy (1)

• hunters and gatherers (1)

• SOA (1)

• Midwest trees (1)

• The Pacific Telephone Building (1)

• SFMOMA (1)

• Bay Bridge (1)

• Genentch (1)

• Dumbarton Bridge (1)

• PayPal (1)

• Loma Prieta (1)

• Debt Ceiling Debacle (1)

• Always Look at the Bright Side of Life (1)

• Jorge Luis Borges (1)

• On Exactitude in Science (1)

• Nat King Cole (1)

• Impact Investing (1)

• II (1)

• Ida James (1)

• SRI (1)

• Socially Responsible Investing (1)

• Is You Is or Is You Ain't My Baby (1)

• Kiva (1)

• micro-lending (1)

• Big Philanth (1)

• Every Dollar You Spend (1)

• The American Cancer Society (1)

• old-boy-on-the-golf-course network (1)

• Non-correlated assets (1)

• Here's one for you (1)

• nineteen for me (1)

• Taxman (1)

• marginal income tax rate (1)

• Tax Foundation (1)

• interest (1)

• Wesley Snipes (1)

• John Branca (1)

• Esalen Institute (1)

• Pacific Grove CA (1)

• Carmel CA (1)

• fun-ster (1)

• The Tenderloin (1)

• Lovers Point (1)

• Lighthouse Ave. (1)

• Big Sur (1)

• Tom Rush (1)

• Driving Wheel (1)

• Michael Jackson's estate (1)

• Shearman & Sterling (1)

• Little City By the Bay (1)

• Paul Broun (1)

• Burj Khalifa (1)

• Burj Dubai (1)

• House Committee on Science Space and Technology (1)

• speed of light (1)

• biology (1)

• chemistry (1)

• Donna Summer (1)

• On the Radio (1)

• mortgage (1)

• refi (1)

• wash (1)

• lard-up-the-process escrow fees (1)

• escrow (1)

• title insurance (1)

• bragging rights (1)

• big-fish stories (1)

• origination points (1)

• escrow fees (1)

• tax expenditures (1)

• mortgage broker (1)

• eyeballing (1)

• 15-year fixed mortgages (1)

• Tomorrow Never Knows (1)

• Number of the Beast (1)

• Health Insurance Portability and Accountability Act (1)

• Blue Cross Blue Shield of Illinois (1)

• CNA (1)

• Explantion of Benefits (1)

• federal deficit (1)

• negative numbers (1)

• fractions (1)

• exponents (1)

• Murgatroyd (1)

• GOOG (1)

• HFT (1)

• 10K (1)

• 10Q (1)

• doing the zeros (1)

• Black Friday (1)

• Flash Crash (1)

• MMs (1)

• Investment Adviser Public Disclosure (1)

• Brochure (1)

• The Item Fives (1)

• real estate agents (1)

• infaation (1)

• Financial Planning Days (1)

• San Francisco Office of Financial Empowerment (1)

• Into the Wild (1)

• California Board of Equalization (1)

• Certified Financial Planner Board of Standards (1)

• the Financial Planning Association (1)

• Financial Planning Association (1)

• x-bike (1)

• The Financial Planning Quasi-Syllogism (1)

• poking and prodding (1)

• PnP (1)

• EssEff CA (1)

• stock brokers (1)

• registered representatives of broker/dealers (1)

• Fox Business (1)

• Republicans (1)

• Democrats (1)

• Jim Carville (1)

• GHW Bush (1)

• Larry Doyle (1)

• Matt Egan (1)

• voting lines (1)

• Plain Ol' Telephone System (1)

• Not-So-Plain-Ol' Telephone System (1)

• NSPOTS (1)

• NSPOTSWIT! (1)

• Not-So-Plain-Ol' Telephone System with the Internet on Top! (1)

• Three 9s (1)

• embarrassment (1)

• holiest of holies (1)

• iTubes (1)

• Ted Stevens (1)

• tubes (1)

• mobile phones (1)

• big machines (1)

• big time ladies and gentlemen big time (1)

• sunflower (1)

• Fibonacci (1)

• Christine Romer (1)

• tax rates (1)

• high-dividend-paying stocks (1)

• NBush v. Gore (1)

• John Kerry (1)

• ALLEL-GBTD-HSS-2001 (1)

• Thelma and Louise (1)

• Wile'y Coyote (1)

• Roadrunner (1)

• 1031 exchanges (1)

• capital gains taxes (1)

• bonds (1)

• tax-ugly (1)

• tax-beautiful (1)

• tax-deferred (1)

• Treasurys (1)

• sausage-making (1)

• CGs (1)

• ASAP (1)

• Halloween (1)

• Thanksgiving (1)

• end-of-year time-sponge (1)

• 1040-tweaking (1)

• Gary Brooker (1)

• Whiter Shade of Pale (1)

• Proposition 13 (1)

• 2012 general election (1)

• defense spending (1)

• nudges (1)

• Richard Thaler (1)

• The Right (1)

• The New Deal (1)

• Mother Jones (1)

• The Aughts (1)

• The Teens (1)

• Naughty Aughties (1)

• Proposition 30 (1)

• negotiation strategy (1)

• Robert Reich (1)

• revenue side of financial health (1)

• the s-c s-c FC (1)

• the so-called so-called fiscal cliff (1)

• generic advice (1)

• Uranium 235 (1)

• Uranium 238 (1)

• Tommy Lee Jones (1)

• Batman (1)

• High Net Worth (1)

• Ultra High Net Worth (1)

• Steven Segal (1)

• Kate Blanchett (1)

• Missing (1)

• fiduciary duties (1)

• fiduciary (1)

• double-dealing (1)

• Put your money where your mouth is (1)

• Under Siege (1)

• eating your own dog food (1)

• UHS (1)

• Ultra High Spender (1)

• crevice (1)

• crevasse (1)

• Riversource mutual funds (1)

• Columbia Management (1)

• Schumpeter's gale (1)

• Hostess (1)

• Twinkies (1)

• Hostess Cupcakes (1)

• Motorola (1)

• Jim Collins (1)

• Built to Last (1)

• RIM (1)

• dodo bird (1)

• Nutraceutical (1)

• Real Foods (1)

• David Byrne (1)

• Ding Dongs (1)

• Ho Hos (1)

• Pisces Fish (1)

• Y = C + I + G + NX (1)

• microeconomics (1)

• The Powers that Be (1)

• the GPs that B (1)

• Macro 101 (1)

• Micro 101 (1)

• wheat (1)

• chaff (1)

• The Conscience of a Liberal (1)

• liberal (1)

• homeless people's pets (1)

• Krugman on The Civil Wars (1)

• Krugman on Feist (1)

• Krugman on Arcade Fire (1)

• Why Y? (1)

• The Ps that B (1)

• Bill Gross (1)

• John Paulson (1)

• Allen West (1)

• Pink (1)

• No Doubt (1)

• Justin Bieber (1)

• Marco Rubio (1)

• Psy (1)

• sleeping well (1)

• Jen Wasson (1)

• Otis (1)

• Larry "Otis" McCort (1)

• financial coach (1)

• financial educator (1)

• financial manager (1)

• financial planner (1)

• Example 7 (1)

• Wasson Design (1)

• Financial Health Advisor (1)

• FHA (1)

• my wife's lovely laugh (1)

• pure advice (1)

• music (1)

• Ess Eff See A (1)

• Sula (1)

• my folks (1)

• vibrating air (1)

• gravity (1)

• geology (1)

• AMAs (1)

• American Music Awards (1)

• MTBs (1)

• passive index funds (1)

• actively managed mutual funds (1)

• Rocket Science (1)

• mostly-market mirroring mix (1)

• BaTPC (1)

• The Building-a-Terrible-Portfolio Challenge (1)

• thought experiment (1)

• Lincoln (1)

• if two things are equal to the same thing then they are equal to each other (1)

• M-M-MM (1)

• dentist jokes (1)

• financial planning is fun (1)

• feoffing (1)

• washing your car (1)

• slack-cutting (1)

• forgiveness (1)

• thankfulness (1)

• Then Came Bronson (1)

• Michael Parks (1)

• Goin' Down that Long Lonesome Highway (1)

• human beings (1)

• dental healthcare system (1)

• it's a cinch (1)

• HPQ (1)

• DELL (1)

• HP (1)

• Hewlett Packard (1)

• Michael Dell (1)

• hockey stick (1)

• steep part of the hockey stick (1)

• SiliconValley-ese (1)

• accounting scandal (1)

• Autonomy (1)

• Compaq (1)

• skill (1)

• luck vs. skill (1)

• one of those no-can-do things (1)

• correlation is not causation (1)

• eeeeeeyyyyyooooooooo (1)

• The Commonwealth Club (1)

• Sam Alito (1)

• Al Gore (1)

• Andy Card (1)

• Desert Rose on the Walls (1)

• Desert Rose (1)

• You Gotta Have Friends (1)

• Bob Edwards (1)

• architects (1)

• Standard Oil Building (1)

• Bush with a bullhorn (1)

• Mohamed Atta (1)

• Ayman al-Zawahiri (1)

• Taliban (1)

• Buddhas of Bamiyan (1)

• Tora Bora (1)

• Afghanistan (1)

• Waziristan (1)

• Middle East (1)

• Lebanon (1)

• Iran (1)

• Hezbollah (1)

• World Trade Towers (1)

• WTC (1)

• 2001: A Space Oddysey (1)

• cram-down (1)

• Stanley Kubrick (1)

• war (1)

• Bob Costas (1)

• gun control (1)

• Ted Nugent (1)

• Jovan Belcher (1)

• RCP (1)

• Golden Gate Bridge (1)

• suicide barrier (1)

• Why did the chicken cross the road? (1)

• Hunting Illustrated (1)

• Beach Boys (1)

• summer fun (1)

• chicken jokes (1)

• to get to the other side (1)

• Jason Whitlock (1)

• Kansas City (1)

• Dog-Eat-Dog (1)

• life's last (1)

• living life's last (1)

• Top Dog (1)

• easily deadly (1)

• attractive nuisance (1)

• virtual walk on the Golden Gate Bridge (1)

• Southern California (1)

• YOYODED (1)

• It's a You're-On-Your-Own/Dog-Eat-Dog World (1)

• Laura Clawson (1)

• Daily Kos (1)

• Rod Stewart (1)

• beginning of FRED-time (1)

• B2B (1)

• business-to-business (1)

• capital vs labor (1)

• labor vs capital (1)

• pictures of numbs (1)

• pix (1)

• biological living breathing human beings (1)

• Robert Brusca (1)

• the first World Trade Center terrorist attack (1)

• CNN (1)

• CNNMoney (1)

• Chris Isidore (1)

• corporations are people my friend (1)

• Wizard of Oz (1)

• Tin Man (1)

• WalMart's employee discount (1)

• The Decimation of the Middle Class (1)

• The Election of 2012 (1)

• Ted Waitt (1)

• Gateway (1)

• Jerry Brown (1)

• Arnold Schwarzenegger. (1)

• Keystone-Cop’y (1)

• controlled experiments (1)

• Messrs. H and P (1)

• David Packard (1)

• Bill Hewlett (1)

• Simon and Garfunkel (1)

• Mrs. Robinson (1)

• Morgan Housel (1)

• Motley Fool (1)

• instant grat (1)

• the built environment (1)

• American Institute of Architects (1)

• Washington D.C. (1)

• federal government (1)

• people-kind (1)

• values-added-in (1)

• financial-wonkese (1)

• 1040 (1)

• ink-blots (1)

• United States Capitol (1)

• National Mall (1)

• White House (1)

• numbs-based mind un-numbing (1)

• The 4% Rule of Thumb (1)

• Jefferson Airplane (1)

• life is change/how it differs from the rocks (1)

• The 6% Rule of Thumb (1)

• Bigfoot (1)

• Sasquatch (1)

• constant annual growth rate (1)

• RAC world. (1)

• Roman Polanski (1)

• Macbeth (1)

• Out Damn Spot (1)

• financial models (1)

• financial modeling (1)

• party like it's 1999 (1)

• SOL (1)

• Ps2B (1)

• numeric financial health (1)

• Ahhhh to be 30 again (1)

• compoud annual growth rates (1)

• making your retirement work (1)

• thirtysomethings TV show (1)

• 30-somethings (1)

• random arbitrary and capricious (1)

• RAC (1)

• RAC world vs CAGR world (1)

• CAGR world vs RAC world (1)

• Ps-that-B (1)

• heal thyself (1)

• Tip O'Neill (1)

• for Pete's sake (1)

• non-profit organizations (1)

• not-for-profit organizations (1)

• maximizing vs. optimizing (1)

• optimizing vs. maximizing (1)

• paying through the nose (1)

• Apple's cash (1)

• Joshau Tree National Park (1)

• UCSF School of Dentistry (1)

• Lionel Richie (1)

• All Night Long (1)

• lock-in (1)

• mommy-van (1)

• Big Four Banks (1)

• credit unions (1)

• MBA-brain (1)

• Apple's Jobsian era (1)

• Mom and Pop (1)

• Eric Clapton (1)

• 12/12/12 Concert (1)

• flex dollar accounts (1)

• ESPP accounts (1)

• vessels (1)

• TTAs (1)

• Totally-Taxed Accounts (1)

• OIGs (1)

• Ordinary Income Generators. (1)

• M. Scott Peck (1)

• The Road Less Traveled (1)

• Herman Cain (1)

• shucky ducky (1)

• Uncle Sam (1)

• our favorite uncle (1)

• taxed up the wazoo (1)

• tax-code-ese (1)

• capital gains vs ordinary income (1)

• ordinary income vs capital gains (1)

• carried interest (1)

• tax-rate-risk (1)

• tax-rate-risk diversification (1)

• While My Guitar Gently Weeps (1)

• ticking tax time bomb (1)

• Fab (1)

• When We Was Fab (1)

• Concert for George (1)

• Concert for Bangladesh (1)

• Jeff Beck (1)

• Cause We've Ended as Lovers (1)

• amortizing (1)

• spread (1)

• 30-year mortgage (1)

• 15-year mortgage? (1)

• fully-amortizing (1)

• Paul Rogers (1)

• reactive death (1)

• proactive death (1)

• onco death (1)

• The Godfather (1)

• Sting (1)

• First Time Ever I Saw Your Face (1)

• Roberta Flack (1)

• In My Life (1)

• Trent Raznor (1)

• Hurt (1)

• Nine Inch Nails (1)

• Rick Rubin (1)

• American IV: The Man Comes Around (1)

• I Hung My Head (1)

• Sandy Hook (1)

• gallows (1)

• head-hanging (1)

• LLC (1)

• Ari Fleischer (1)

• mortgage interest deduction (1)

• R&D tax credit (1)

• Vancouver Washington (1)

• Portland Oregon (1)

• Muni bonds (1)

• tax-goading (1)

• somewhat-free lunch (1)

• filibusters (1)

• signing statements (1)

• ATRA (1)

• American Taxpayer Relief Act (1)

• Mr. Smith Goes to Washington (1)

• James Stewart (1)

• Frank Capra (1)

• Byrd Rule (1)

• EGTRRA (1)

• Economic Growth and Tax Relief Reconciliation Act of 2001 (1)

• Tax Relief (1)

• and Job Creation Act (1)

• over-400-in-income crowd (1)

• 9/11/01 (1)

• TRUIRJCA (1)

• Tax Relief Unemployment Insurance Reauthorization and Job Creation Act (1)

• Gerard Depardieu (1)

• France (1)

• Russia (1)

• da mo' da betta' (1)

• George Steinbrenner (1)

• George Steinbrenner's estate (1)

• New Year's Day 2013 (1)

• getting run over by a bus (1)

• Large Haldron Collider (1)

• trillion dollar platinum coin (1)

• Beatles (1)

• boundary event (1)

• The Great Depression (1)

• Cleaver Family (1)

• Friedman Family (1)

• DNA (1)

• family stuff (1)

• eleventy (1)

• twelvety (1)

• J.R.R. Tolkien (1)

• Baby Boom generation (1)

• When I'm Sixty-Four (1)

• The Who (1)

• Talking 'Bout My Generation (1)

• long life (1)

• despising-lobby (1)

• givin' it everything you've got (1)

• same as it ever was (1)

• are you feeling lucky? (1)

• with notably rare exceptions (1)

• RMDs (1)

• minimum required distributions (1)

• MRDs (1)

• required minimum distributions (1)

• extraordinary expenses become ordinary (1)

• FinancialWonks (1)

• F-Wonks (1)

• fwonks (1)

• givers and takers (1)

• TTDAs (1)

• RMDs vs. MRDs (1)

• MRDs vs. RMDs (1)

• the hard way (1)

• Financial Advisor magazine (1)

• student loan crisis (1)

• J.K. Rowling (1)

• Hindenburg disaster (1)

• leap days (1)

• scalars (1)

• SBUX (1)

• Starbucks (1)

• tuition inflation (1)

• Lee Eisenberg (1)

• The Number (1)

• nest egg (1)

• Atrios (1)

• USA Today (1)

• Duncan Black (1)

• Eschaton (1)

• DB vs. DC (1)

• DC vs. DB (1)

• Oldsmobile (1)

• your father's Oldsmobile (1)

• private accounts (1)

• privatizing Social Security (1)

• DCs (1)

• DBs (1)

• chained CPI (1)

• Social Security COLA increases (1)

• Bernie Sanders (1)

• Social Security as a huge success (1)

• B-2-C dosey doe (1)

• Social Security (statutory exclusions from) (1)

• stop and smell the roses (1)

• lickety-split (1)

• John Friedman Financial Blog (1)

• portmanteau (1)

• Carole King (1)

• Will You Still Love Me Tomorrow (1)

• Eddie Haskell (1)

• June Cleaver (1)

• TBTF Banks (1)

• Too-Big-to-Fail Banks (1)

• 2B2F (1)

• Citibank (1)

• Wells Fargo (1)

• BCCW Cartel (1)

• nudge nudge wink wink (1)

• reserve requirements (1)

• Fargo (1)

• Coen Brothers (1)

• Marge Gunderson (1)

• checking account overdraft fees (1)

• It's a Wonderful Life (1)

• money supply (1)

• M1 (1)

• M2 (1)

• ya bet'ch'ya (1)

• you bet'ch'ya (1)

• price fixing (1)

• signaling (1)

• The Atlantic (1)

• The Raddon Report (1)

• Franz Kafka (1)

• Kafka's "The Metamorphosis" (1)

• rant (1)

• PITB expense (1)

• Kaiser (1)

• The Come What May (1)

• pooling risk (1)

• murder mysteries (1)

• high deductibles (1)

• auto-pilot savings plans (1)

• forced savings plans (1)

• Rip Van Winkle plan (1)

• Rip Van Winkling (1)

• asset gathers (1)

• Brylcreem (1)

• careful boss (1)

• Michael Clarke Duncan (1)

• complicated life insurance (1)

• simple life insurance (1)

• when-you-do life insurance (1)

• if-you-die life insurance (1)

• s/he loves me . . . s/he loves me not (1)

• precommitment (1)

• spending's reach (1)

• insurance salespeople (1)

• insurance salespeople - three questions to ask them (1)

• Suzy Khimm (1)

• Sequester (the) (1)

• The American Conservative (1)

• Scott Galupo (1)

• Larry Kudlow (1)

• CNBC (1)

• Forbes magazine (1)

• yada yada yada (1)

• three-actor economy (1)

• GHP (1)

• Y = C + I + G + (X - M) (1)

• GDP = C + I + G + (X - M) (1)

• On and On (1)

• Stephen Bishop (1)

• CNBC.com (1)

• crowding out (1)

• The Economist (1)

• U.S. real estate prices (1)

• pension plans (1)

• re-financing mortgages (1)

• auto-pilot savings programs (1)

• student loan debt (1)

• Financial Services Professionals (1)

• non-numeric financial health (1)

• Free Dictionary (the) (1)

• take a powder (1)

• Roth conversions (1)

• Social Security retirement benefits (when to turn on) (1)

• shine it on (1)

• financial brain trust (1)

• brain trust (1)

• roll-overs (1)

• Investing School of Tough Lessons and Hard Knocks (1)

• mindfulness (1)

• bar dice (1)

• MindfulFinancial (1)

• mortgage decisions (1)

• making a living (1)

• brain trust'ees (1)

• do right by (1)

• Wiktionary (1)

• Bing Crosby (1)

• Acentuate the Positive (1)

• Romper Room (1)

• Do-Be and Don't Be song (1)

• efficient frontier (1)

• The Secret (1)

• Appreciative Inquiry (1)

• Norman Vincent Peale (1)

• Lawyers Guns and Money (1)

• Margin Call (movie) (1)

• Stanley Tucci (1)

• texting (1)

• Paul Bettany (1)

• Bob Marley (1)

• Positive Vibrations (1)

• once-in-a-lifetime opportunity (1)

• OIALTO (1)

• Oy ALto (1)

• Golden Rule (1)

• texting-while-wallking (1)

• Charles Dickens (1)

• it was the best of times it was the worst of times (1)

• remodels (1)

• pets (1)

• dogs (1)

• veterinarian (1)

• BMW (1)

• Mercedes (1)

• Elvis has left the building (1)

• CPA'y (1)

• growth sucks cash (1)

• spendthrift (1)

• sanguine (1)

• peruse (1)

• pets (cost of) (1)

• thrift shops (1)

• The Princess Bride (1)

• Steve Wonder (1)

• Living In the City (1)

• Elvis Presley (1)

• Mandy Patinkin (1)

• I do not think that word means what you think it means (1)

• cats (1)

• cash-suck (1)

• kids (cost of) (1)

• San Rancisco (1)

• used car values (1)

• Kelley Blue Book (1)

• remodelling a house (cost of) (1)

• capital expenditure vs. expense (1)

• expense vs. capital expenditure (1)

• tax basis (1)

• round trip buy/sell (cost of) (1)

• rainy days (1)

• meta-don't (1)

• Seth MacFarlane (1)

• David Crosby (1)

• Almost Cut My Hair (1)

• Crosby Stills and Nash (1)

• Fox News (1)

• Ben Affleck (1)

• marriage is work (1)

• Left Coast (1)

• Right Coast (1)

• gender politics (1)

• gender-neutral names (1)

• Jitterbug Perfume (1)

• two-down-to-one names (1)

• Outliers (Malcolm Gladwell book) (1)

• Ten Thousand Hours Rule (the) (1)

• Ernest Hemingway (1)

• Tom Robbins (1)

• UC Berkeley Extension (1)

• Half Asleep in Frog Pajamas (1)

• quiet rooms (1)

• Another Roadside Attraction (1)

• Even Cowgirls Get the Blues (1)

• Seattle Public Library (1)

• Phoenix Books (1)

• Scarface (1)

• Say Hello To My Little Friend (1)

• evergreen content (1)

• Compliance Black Hole (1)

• Compliance (1)

• Ayn Rand (1)

• Harold Robbins (1)

• Danielle Steel (1)

• Edward Tufte (1)

• PowerPoint (1)

• big cheese (the) (1)

• Cannes (1)

• Sure 'Nuff and Yes I Do (1)

• Sonny Bono Copyright Term Extension Act (1)

• WAG numbers (1)

• .xls (1)

• insurance capital of the world (1)

• Form ADV-II (1)

• Department of Corporations of the State of California. (1)

• can't get blood from a turnip (1)

• turnip blood (1)

• not equal to (1)

• greater than (1)

• less than (1)

• Hartford CT (1)

• Star Wars (1)

• mind-trick (1)

• mind-meld (1)

• Star Trek mind-meld (1)

• Star Wars mind-trick (1)

• ten thousand hours (1)

• economic rents (1)

• The Golden Rule (1)

• hippies (1)

• 10 thousand hours (1)

• magic 7s (1)

• rent is too damn high (the) (1)

• Jimmy McMillan (1)

• CCCs (1)

• credit card companies (1)

• hippie days (1)

• insurance commissions (1)

• magic tricks (1)

• magicians (1)

• magician's sleight of hand (1)

• killing the 7s (1)

• Christpher Nolan (1)

• Batman trilogy (the) (1)

• Batman Begins (1)

• The Dark Knight (1)

• The Dark Knight Rises (1)

• Nudge: Improving Decisions About Health Wealth and Happiness (1)

• Riichard H. Thaler (1)

• Gran Torino (1)

• get off my lawn (1)

• no problem (1)

• you're welcome (1)

• thank YOU (1)

• customer service (1)

• customer service reps (1)

• CRM (1)

• customer relationship management (1)

• Sacramento (1)

• Rancho Santa Fe (1)

• Pleistocene Era (1)

• VOIP (1)

• Voice Over Internet Protocol (1)

• Plain Ol' Telephone Service (1)

• two types of people (1)

• EFP (1)

• Experiential Financial Planning (1)

• datadump (1)

• EFP-based financial plans (1)

• bifurc (1)

• garbage dumps (1)

• data-dump-begat financial plans (1)

• datadump-driven financial plans (1)

• turnkey financial plans (1)

• plug 'n play financial plans (1)

• off-the-shelf financial plans (1)

• canned-plan financial plans (1)

• cookie-cuttered financial plans (1)

• Ps that Be (1)

• batphone (1)

• Polycom (1)

• permutations (1)

• iterations (1)

• combinations (1)

• Lake Cook Road (1)

• Skokie Highway (1)

• Scott (1)

• Doug (1)

• Marty (1)

• snow fight (1)

• snow shovel fight (1)

• The Pretenders (1)

• Chrissie Hynde (1)

• My City was Gone (1)

• macro class (1)

• Andrew Rose (1)

• Greg Mankiw (1)

• MBA-types (1)

• market-matching performance (1)

• market-beating performance (1)

• California Statory Will (1)

• DIY EPers (1)

• Do-it-Yourself Estate Planners (1)

• Dixie Chicks (1)

• Not Ready to Make Nice (1)

• whiny plaintive wail (1)

• wino plaintiff whale (1)

• Hoyt Axton (1)

• No No Song (the) (1)

• know-it-all (1)

• Cliff Clavin (1)

• Cheers (TV show) (1)

• zero lower bound (1)

• Ivan Pavlov (1)

• B.F. Skinner (1)

• signal and noise (1)

• signal (1)

• noise (1)

• noise and signal (1)

• Bat Chain Puller (1)

• French TV (1)

• Bobby McFerrin (1)

• Sweet Home Chicago (1)

• acapella (1)

• Don't Worry Be Happy (1)

• Snagglepuss (1)

• heavens to murgatroyd (1)

• Intuit (1)

• TurboTax (1)

• Mint.com (1)

• budgeting (1)

• budget (1)

• b-word (the) (1)

• Morningstar's 2012 annual report (1)

• Morningstar (1)

• Ibbotson (1)

• passive vs. active investing (1)

• active vs. passive investing (1)

• SCHZ (1)

• SWLBX (1)

• VBMFX (1)

• Huckleberry Hound Dog (1)

• Lehman Brothers bankruptcy (1)

• Lehman Brothers (1)

• auction rate securities (1)

• Chuck (Schwab) (1)

• Talk to Chuck (1)

• Crosby Stills & Nash (1)

• Teach Your Children Well (1)

• Hollies (the) (1)

• passion (following your) (1)

• feed them on your dreams (1)

• ponies (1)

• piggy bank (1)

• Living In the Material World (1)

• Amazon (1)

• Goal (the) (book) (1)

• Eliyahu M. Goldratt (1)

• Andrew Sullivan (1)

• take care of the bottleneck (1)

• International School of Management (1)

• bottlenecks (1)

• Gavin Newsom (1)

• fail forward fast (1)

• Andew Sullivan (1)

• if you're not paying for the product then you're the product (1)

• Dish (the) (Andrew Sullivan's site) (1)

• Radiohead (1)

• "pay what you want" pricing (1)

• In Rainbow (1)

• Henrietta Lacks (1)

• Henrietta Lacks's DNA (1)

• HeLa cells (1)

• Gollum (1)

• Gollum (the dark side) (1)

• my precious (1)

• Daily Beast (the) (1)

• Boiler Room (1)

• New York Times s paywall (1)

• paywall (1)

• Boiler Room (movie) (1)

• Washington Post (1)

• Free toasters from banks (1)

• Dataligix (1)

• Epsilon (1)

• Axciom (1)

• Mark Wahlberg (1)

• Marky Mark (1)

• Mark Zuckerberg (1)

• Trojan Horse (1)

• Investment Adviser Public Disclosure site (1)

• California Department of Real Estate (DRE) (1)

• DRE (1)

• California Board of Accountancy (1)

• life agent (1)

• life insurance agent (1)

• California Medical Board (1)

• contractors (1)

• realtors (1)

• International Association of Plastics Distribution (1)

• Mr. McGuire (1)

• The Graduate (1)

• plastics (1)

• licensee-lookup sites (1)

• You Don't Know Me (1)

• Eddie Arnold (1)

• SEO (1)

• Wikipedia (1)

• search engine optimization (1)

• California Department of Insurance (1)

• dogwalkers (1)

• UFO guy (1)

• Financial Services Insutrial Complex (the) (1)

• Little Depression (the) (1)

• Great Recession (the) (1)

• Great Depression (the) (1)

• SEO'y (1)

• Big Three of Investments Banking and Insurnace (the) (1)

• TBToIBI (1)

• TBFoIBIA (1)

• Tee Bee Toy Bee (the) (1)

• Tee Bee Foy Bee Uh (the) (1)

• Hindenberg (1)

• Gordon Gekko (1)

• Wall Street (movie) (1)

• probate (1)

• living trusts (1)

• inter vivos trusts (1)

• revocable trusts (1)

• Napoleonic Code (1)

• British Common Law (1)

• Dave Ramsey as my muse (1)

• Marquette Law Review (1)

• Edwin Starr (1)

• lipsynching (1)

• War (song) (1)

• What is it good for? Absolutely nothing. (1)

• Louisiana (1)

• probate court (history of) (1)

• probate court (1)

• probate process (1)

• gift tax (1)

• inter vivos trust (1)

• revocable living trust (1)

• fee-based vs fee-only (1)

• fiduciary standards (1)

• Dodd-Frank Act (the) (1)

• CUSIP (1)

• Net-Worth-Under-Management fees (1)

• NWUM fees (1)

• Bud Fox (1)

• magic dollars (1)

• tax-advantaged accounts (1)

• Charlie Sheen (1)

• hourly fees (1)

• flat fees (1)

• passive voice (1)

• FRED charts (1)

• bear markets (1)

• Vladmir Putin (1)

• soul of Vladmir Putin (the) (1)

• Kate and Anna McGarrigle (1)

• Jigsaw Puzzle of Life (song) (1)

• Richard Thompson (1)

• Linda Thompson (1)

• Shoot Out the Lights (album by Richard and Linda Thompson) (1)

• Information Week (1)

• Windows metro layer (1)

• Windows Vista (1)

• Windows 8 (1)

• WIndows XP (1)

• frictional unemployment (1)

• Marc Andreessen (1)

• 11/11/1993 (Mosaic browser first released) (1)

• Ameritrade (1)

• Datek. (1)

• self-directed investing (1)

• DIY investing (1)

• Do-It-Yourself investing (1)

• round lots vs. whole lots (1)

• whole lots vs. round lots (1)

• round-trip commissions (1)

• Spiders (1)

• Qs (1)

• Investing Slowriders (1)

• Internet Highflyers (1)

• Wall Strret (1)

• day trading (1)

• history of self-directed investing (1)

• E*Trade Community (online community in late 90s) (1)

• Dr. House (TV character) (1)

• hospice care (1)

• Guy Murchie (1)

• The View from the Center of the Universe (book by Joel R.Primack and Nancy Ellen Abrams (1)

• Joel R.Primack (1)

• Nancy Ellen Abrams (1)

• sound of cicadas (1)

• cicadas (1)

• Seven Mysteries of Life (The) (1)

• Dave Ramsey's Endorsed Local Provider program (1)

• Jake Scully (1)

• Avatar (movie) (1)

• floating mountains of Pandora (Avatar movie) (1)

• Pandora (Avatar movie) (1)

• Financial Peace University (1)

• tall people (1)

• zeros (1)

• running the zeros (1)

• gladiating (1)

• Keystone Cops (1)

• FUBAR (1)

• SNAFU (1)

• medical journey (1)

• vesselizing a business (1)

• C corp (1)

• S corp (1)

• self-employment (1)

• say no more (1)

• nudge nudge wink wink skit (1)

• U.S. Treasury (1)

• debt default (1)

• Stan Collender (1)

• Bruce Bartlett (1)

• lumpy revs (1)

• line of credit (1)

• Californa (1)

• Balance Sheet (1)

• Income Statement (1)

• Gene Simmons (1)

• Family Jewels (TV show) (1)

• lumpy revenues (1)

• predict (1)

• pre-dict (1)

• post-dict (1)

• Karl Rove (1)

• Ess Eff (1)

• hockey (1)

• mortgage rates (1)

• triangular lots (1)

• scale tales (1)

• Twitter IPO (1)

• compound annual growth rate (1)

• miracle of compounding (the) (1)

• real estate bubble of 2006 (1)

• 706 Mission Street (1)

• Mexican Museum (1)

• Four Seasons (1)

• Socket Site (1)

• net present value analysis (1)

• what-if'ing (1)

• maths (1)

• arithmetic (1)

• round numbers (1)

• linearity (1)

• Oliver Twist (1)

• Please sir -- I want some more (1)

• Seinfeld's Soup Nazi (1)

• No soup for you! (1)

• too much money (1)

• Jason Hull (1)

• hourly financial planners (1)

• Dr. McCoy (1)

• I'm a Doctor -- not a . . . (1)

• FAFNF (1)

• AUM (1)

• Financial Advice for Normal Folks (1)

• I'm Back Baby I'm Back! (1)

• Motortrend (1)

• > (1)

• < (1)

• Ferrari California (1)

• Ferrari (1)

• Newton's 3rd Law of Motion (1)

• Isaac Newton (1)

• SF Curbed (1)

• TWTR (1)

• 1355 Market Street (1)

• Friedman's First Law of Safe Motion (1)

• Facebook IPO debacle (1)

• Investopedia (1)

• dutch auctions (1)

• Johnfriedmanfinancial.com/blog/ (1)

• Ferrari FF (1)

• V8 engines (1)

• V12 engines (1)

• Disneyfied-Manhattan (1)

• Meg Whitman's IPO scandal (1)

• IPO scandal (1)

• Tracey (1)

• Stockton (1)

• Vallejo (1)

• Socketsite (1)

• Friendster (1)

• MySpace (1)

• public offering (1)

• bubbles (1)

• 3/20/2000 (1)

• 8/15/2008 (1)

• Embarcadero (the) (1)

• John Friedman Financial Blog (the) (1)

• BIT (1)

• Before Internet Time (1)

• fax machines (1)

• Ain't the Internet Grand (1)

• Sgt. Pepper's Lonely Hearts Club Band (1)

• Mosaic browser (1)

• Marc Andreeesen (1)

• Barrows Hall (1)

• UC Berkeley (1)

• Lynx (1)

• 11/11/1993 (1)

• NCSA (1)

• National Center for Supercomputing Applications (1)

• University of Illinois (1)

• Chambana (1)

• free (1)

• it's-yours-and-you-don't-even-have-to-pay-for-it (1)

• healthcare.gov (1)

• Health Information Technology for Economic and Clinical Health Act (1)

• HITECH Act (1)

• American Recovery and Reinvestment Act of 2009 (1)

• ARRA (1)

• Four Jumbos (the) (1)

• Shine on Brightly (1)

• Stimulus (the) (1)

• John Friedman Financial (1)

• Jennifer Garner (1)

• pre-Mosaic (1)

• Yardbirds (the) (1)

• Beatles (the) (1)

• mass commercialization of the Internet (1)

• Internet -- mass commercialization of (1)

• zeitgeist (1)

• great (hu)man theory (1)

• census (1)

• Houston (1)

• Virginia (1)

• zero-sum game (1)

• voting systems (1)

• Warren Christopher (1)

• Rand Paul (1)

• transfat (1)

• transfat donut conspiracy (1)

• I'm Not Talking (song) (1)

• continuous improvement (1)

• systems (1)

• variance (1)

• Lawyers Guns & Money (song) (1)

• VA AG (1)

• Virginia Attorney General's race (1)

• statistics (1)

• bell curve (1)

• Batkid (1)

• Stephanie Sautter (1)

• Miles Scott (1)

• Cancer.org (1)

• inflammatory breast cancer (1)

• IBC median survial rates (1)

• IBC (1)

• TruthOut (1)

• employer-based healthcare system (1)

• http://www.medi-cal.ca.gov/ (1)

• Medi-Cal (1)

• Kaiser Family Foundation (The Henry J.) (1)

• Key Facts About Peopl with No Medical Insurance (1)

• group vs. individual health insurance (1)

• individual vs. group health insurance (1)

• Zuccotti Park (1)

• Occupy (1)

• Occupy movement (1)

• eligibility for Medicaid (1)

• horse's mouth (the) (1)

• Batman kapow (1)

• 401k match (1)

• vesting (1)

• FPL (1)

• Silicon Valley 401k match (the typical) (1)

• mulitplier (1)

• stimulus (1)

• Nick Gillespie (1)

• Reason.com (1)

• free money (1)

• Hunger Games (the) (1)

• Effie Trinket (1)

• steps per mile (1)

• petri dish (1)

• pertussis (1)

• whooping cough (1)

• National Institutes of Health (1)

• match patch (1)

• controlled experiment (1)

• Let the games begin! (1)

• if it looks too good to be true . . . (1)

• federal poverty level (the) (1)

• lottery winner's curse (1)

• Whole Life (1)

• Univeral Life (1)

• Variable Universal Life (1)

• language fail (1)

• The McLaughlin Group (1)

• McLaughlin Group (the) (1)

• Friedman's Law of Ecstatic Insurance Companies (1)

• Stay Stay Stay (song) (1)

• Taylor Swift (1)

• Alabama Shakes (1)

• Letterman (1)

• Hold On (song) (1)

• Crown of Creation (song) (1)

• 4% Rule of Thumb (1)

• 6% Rule of Thumb (1)

• physician health thyself (1)

• Rolling Stones (1)

• Sympathy for the Devil (song) (1)

• financial rules of thumb (1)

• Joe McConnell (1)

• keep your nose to the grindstone (1)

• back to the grind (1)

• Sunol Grade (1)

• Metropolitan Transportation Commission (1)

• lemmings (1)

• Ebony and Ivory (song) (1)

• oil wildcatting (1)

• Carpe Diem (song) (1)

• Fugs (the) (1)

• smartened-up and buttoned-down (1)

• George Clooney (1)

• Up in the Air (movie) (1)

• monkey brain (1)

• Stevie Winder (1)

• Sgt. Shultz (TV character) (1)

• Hogan's Heroes (1)

• I see nothing (quote from Sgt. Shultz of Hogan's Heros TV show) (1)

• day-to-day checking account (1)

• drought of 2013 (1)

• Mont (1)

• cash balance life insurance (1)

• collectibles (1)

• valuation (real estate) (1)

• 49ers (1)

• smartned-up (1)

• Panthers (1)

• KISaSSYPGE (1)

• Keep It Simple and Somewhat Stupid Yet Plenty Good Enough (1)

• godl prices in 2013 (1)

• Nearer My God to Thee (1)

• Punditracker (1)

• Big Four (the) (1)

• Titanic (move) (1)

• Jim Cramer (1)

• whistling in the wind (1)

• snake oil (1)

• Samsung (1)

• Tesla (1)

• financial predictions (1)

• financial media (1)

• wisdom of the jury (1)

• hideousness of mobs (1)

• whistin' in the wind (1)

• iPhone 5C (1)

• iPhone 5s (1)

• Galaxy (smart phone) (1)

• Hollywoodification (1)

• entertainmentification (1)

• Hollywoodification — the entertainmentification assive investing (1)

• football (1)

• San Francisco 49ers (1)

• Seattle Seahawks (1)

• Richard Sherman (1)

• Superbowl (1)

• violence (1)

• Is That All There Is? (song) (1)

• Peggy Lee (1)

• Consolidated Omnibus Budget Reconciliation Act of 1985 (1)

• high-deductible health plans (1)

• Geritol (1)

• pre-existing conditions (1)

• job-lock (1)

• google bus (1)

• technology (1)

• indoor plumbing (1)

• Internet (1)

• fish gotta swim (1)

• ejection seat (1)

• Aston Martin (1)

• Sean Connery (1)

• Aston Martin DB5 (1)

• job unlock (1)

• Schumpeter (Joseph) (1)

• I've Been Working on the Railroad (song) (1)

• a cappella (1)

• human capital (1)

• stress (1)

• bee's knees (1)

• creative destroyers (1)

• ready willing and able (1)

• Clint Black (1)

• Killin' Time (song) (1)

• self-actualization (1)

• worthwhile endeavoring (1)

• Anya Schiffrin (1)

• pancreatic cancer (1)

• Memorial Sloan Kettering Cancer Center (1)

• I was in the House when the House Burned Down (song) (1)

• Craig Kilborn (1)

• World Health Organization (1)

• Cancer Institute (1)

• cancer staging (1)

• Paris (1)

• French healthcare (1)

• Andre Schiffrin (1)

• Manhattan (1)

• value-detract (1)

• French healthcare system (1)

• Medicare eligilibity (1)

• Medicare inpatient status (1)

• Medicare outpatient status (1)

• Homer Simpson (1)

• Medicare Part C (1)

• Medicare Part A (1)

• Medicare Part B (1)

• Medicare Advantage Plans (1)

• jungle lasso (1)

• Medicare "under observation" status (1)

• Sherrod Brown (1)

• The Graduate (movie) (1)

• Physicians for a National Health Program (1)

• Medicare for All (1)

• Graduate (the)(movie) (1)

• Medigap insurance (1)

• Fleming & Curti PLC (1)

• death tax (1)

• linguistic framing (1)

• SOI (1)

• FPA (1)

• FPA SF (1)

• estate planners (1)

• life insurance salespeople (1)

• appraisers (1)

• Room 222 (TV show) (1)

• Karen Valentine (1)

• Statistics of Income (IRS publication) (1)

• Austin Powers (1)

• oh behave! (1)

• Tucson Arizona (1)

• x axis (1)

• death certificate (1)

• COD (1)

• Rush Limbaugh (1)

• Excellence in Broadcasting (1)

• EIB Network (1)

• Peter Fisher (1)

• AM960 (1)

• Felix Salmon (1)

• Slate (1)

• Michael Lewis (1)

• Flash Boys (1)

• Gross National Happiness (1)

• GNH (1)

• Rush Revere (1)

• rushlimbaugh.com (1)

• NIMH (1)

• ADHD (1)

• Attention Deficit Hyperactivity Disorder (1)

• Sandra Fluke (1)

• TheBigUs.com (1)

• Big Us (The) (1)

• CYA (1)

• legalese (1)

• boilerplate (1)

• hyper-fast-talk (1)

• FSIC (the) (1)

• asbestos (1)

• cancer (1)

• Pablo Picasso (1)

• the world without you (1)

• HIPAA releases (1)

• California Statutory Will (1)

• Golden State (the) (1)

• CSW (1)

• holographic will (1)

• wills (1)

• trusts (1)

• medical directives (1)

• living wills (1)

• post-mortem blues (1)

• Nolo Press (1)

• Maine (1)

• Michigan (1)

• New Mexico (1)

• Wisconsin (1)

• California State Bar (1)

• executors (1)

• guardians (1)

• bond (surety) (1)

• surety bond (1)

• Bali (1)

• deadlines (1)

• pre-commitment (1)

• Bullmastiffs (1)

• proximate cause (1)

• Let's Go on a Bear Hunt (campfire song) (1)

• Basset Hounds (1)

• Saint Bernards (1)

• spam-evildoers (1)

• spambots (1)

• Camarda vs. CFP Board of Standards (1)

• Alan Goldfarb (1)

• fee-based (1)

• fee-only (1)

• FP'er (1)

• business models (1)

• fee-for-service business models (1)

• plumbers (1)

• shoes (1)

• purchase-based business models (1)

• shoe salespeople (1)

• insurance (1)

• vigs (1)

• vigging (1)

• ownership (1)

• cake-eating (1)

• high-end estate planning (1)

• vigorish (1)

• King of Assets (1)

• Queen of Assets (1)

• Princes of Assets (1)

• Princesses of Assets (1)

• Asset of All Assets (1)

• -Onlies (1)

• -Baseds (1)

• dead parrot (Monty Python skit) (1)

• ALEC (1)

• American Legislative Exchange Council (1)

• stand your ground laws (1)

• LUST (1)

• Leaking Underground Storage Tank (1)

• Magnum P.I. (1)

• private investigators (1)

• personal injury lawyers (1)

• P.I. lawyers (1)

• whiplash (1)

• pain and suffering (1)

• three-times-medicals (1)

• soft tissue injuries (1)

• malingerers (1)

• totaled car (1)

• Hartford (1)

• property damage claims (1)

• personal injury claims (1)

• Kelly Blue Book (1)

• KBB (1)

• Edmunds (1)

• NADA (1)

• cars (1)

• automobiles (1)

• Scorpion (1)

• scrap value (1)

• Michael Jackson (1)

• Diana Ross (1)

• Quincy Jones (1)

• Ease on Down the Road (song) (1)

• Rover 2000TC (1)

• scorpion and frog (fable) (1)

• P.I. law (1)

• trade rag (1)

• trade magazine (1)

• trade mag (1)

• Rock and Roll Circus (1)

• Financial Planning (magazine) (1)

• Financial Planning magazine's "About Us" page (1)

• Investor's Business Daily (1)

• Investment Advisers Act of 1940 (1)

• Rupert-Murdochian (1)

• Rupert-Murdoch (1)

• Financial Times (1)

• salmon-pink newsprint (1)

• Antwerp flashmob (1)

• Julie Andrews (1)

• Do Re Mi (song) (1)

• Sound of Music (1)

• Merriam Webster (1)

• bollix (1)

• hotchpot (1)

• punctilio (1)

• fightin' words (1)

• trade confirmation (1)

• MS-DOS (1)

• low saliency payment mechanisms (1)

• Murdochian (1)

• Haas School of Business (1)

• IBD (1)

• irritable bowel disease (1)

• isolation by distance (genetic analytical tools) (1)

• Sire Pukes-A-Lot (1)

• TLAs (1)

• FP50IBD (1)

• WFs (1)

• Full Monty (1)

• churning (1)

• reverse churning (1)

• stockbrokers (1)

• stockbrokerages (1)

• Point A (1)

• Point B (1)

• DOS (1)

• DOS revenue model (1)

• wealthy folks (1)

• generalists (1)

• Google Machine (1)

• The Google Machine (1)

• Registered Investment Advisor (1)

• RIA (1)

• RIA-land (1)

• flashmob (1)

• ICI Investment Company Fact Book (1)

• Investment Company Institute (1)

• passive investment management (1)

• Mark Knopfler (1)

• Wembley (1)

• Money for Nothing (song) (1)

• Louis Armstong (1)

• What a Wonderful World (song) (1)

• Enron (1)

• Enron 401k plan (1)

• Janus funds (1)

• small and medium business market (1)

• SMB market (1)

• handsome ransome (1)

• Department of Labor (1)

• assets under management (1)

• microwave oven salesman (1)

• U.S. Congress (1)

• Carl Levin (1)

• Daniel Sparks (1)

• Timberwolf I (1)

• shitty deal (1)

• you-can't-spend-what-you-don't-have (1)

• Midwestern innocence (1)

• Goldman Sachs (1)

• rotten deal (1)

• collateralized debt obligations (1)

• CDOs (1)

• derivatives (1)

• Bogleheads (1)

• Solo 401k Plan (1)

• Individual 401k Plan (1)

• Self-Employed 401k Plan (1)

• i401k plan (1)

• NGO (1)

• NGO'ed (1)

• Not In Good Order (1)

• Boomtown Rats (1)

• Bob Geldof (1)

• LiveAid 1985 (1)

• Schedule C filers (1)

• I Don't Like Mondays (1)

• Aragorn (1)

• The Black Gate (1)

• bliss ninny (1)

• mortality (1)

• I Don't Like Mondays (song) (1)

• But that Day is Not this Day! (movie quote) (1)

• Exquisite Balance (1)

• Romeo and Juliet (1)

• Comcast (1)

• AT&T (1)

• Verizon (1)

• SBC (1)

• PacBell (1)

• email addresses (1)

• everything-all email addresses (1)

• nemesis (1)

• IT department (1)

• Time Warner Cable (1)

• material design app interface (1)

• Yahoo! (1)

• gmail (1)

• Yahoo! Mail (1)

• Shades of Grey (1)

• Network Solutions (1)

• true-dat (1)

• The Wire (TV show) (1)

• Internet domains (1)

• domination (1)

• email spoofing (1)

• spoofing (1)

• spam (1)

• database design (1)

• non-trivial tasks (1)

• air-quotes (1)

• free advice (1)

• free financial advice (1)

• grace-provider (1)

• very-scary (1)

• luck of the draw (1)

• Brochures (1)

• SLN (1)

• Monterey CA (1)

• genie wishes (1)

• grin (1)

• the grin that generates all other grins (1)

• MSK (1)

• friction (1)

• paperwork (1)

• New York (1)

• NYC (1)

• complexity (1)

• larding-up (1)

• business-business (1)

• private equity (1)

• speech therapy (1)

• occupational therapy (1)

• physical therapy (1)

• speech therapists (1)

• occupational therapists (1)

• physical therapists (1)

• gym class (1)

• parents (1)

• Will Robinson (1)

• Lost in Space (1)

• physical education class (1)

• gym (1)

• PE class (1)

• Lisa Loeb (1)

• Stay (song) (1)

• beeps (1)

• bips (1)

• the Fed (1)

• Federal Reserve Board (1)

• 9/11 Commission Report (1)

• AMT (1)

• Alternative Minimum Tax (1)

• Gretchen Wilson (1)

• country music (1)

• ton of tons (1)

• sunsetting (1)

• visibility (1)

• income averaging (1)

• tax shelters (1)

• lumpy income (1)

• tax fairness (1)

• tax complexity (1)

• tax simplification (1)

• National Book Award (1)

• Klingon death ritual (1)

• tears (1)

• Bob Dylan (1)

• tears upon death (1)

• caregivers (1)

• mortal plane (1)

• failure to thrive (1)

• midnight (1)

• 12:01 a.m. (1)

• I'll Be with You When the Deal Goes Down (1)

• dying moment (1)

• moment of dying (1)

• death tears (1)

• Goldilocks (1)

• tyranny of the clock (1)

• Google Sheets (1)

• single-play vs repeat play (1)

• repeat play vs single play (1)

• billing practices (1)

• flat fees vs hourly fees (1)

• hourly fees vs flat fees (1)

• pricing theories (1)

• Goldilocksian Ideal (1)

• Google Suite (1)

• Google vs Microsoft (1)

• GOOG vs MSFT (1)

• radical real-time billing (1)

• real-time billing (1)

• if you can sell life insurance you can sell anything (1)

• magic numbers (1)

• salesperson personality test (1)

• personality tests (1)

• Microsoft vs Google (1)

• MSFT vs GOOG (1)

• selling and misinforming vs advising and informing (1)

• advising and informing vs selling and misinforming (1)

• nit (1)

• gnat (1)

• Black Swan (1)

• Lehman Bros. (1)

• Black Monday 2020 (1)

• Black Monday 1987 (1)

• This Old Dog (1)

• NDIC (1)

• Numbers-Distorter-in-Chief (1)

• Vanguard Total Stock Market ETF (1)

• Bay Area (1)

• Italy (1)

• oil prices (1)

• piker (1)

• chalk line (1)

Tag: Ess Eff CA

Big Machines

Twenty years ago, at the dawning of the commercialization of the Internet, someone described the POTS (the Plain Ol’ Telephone System) as the biggest machine ever made. It spanned the globe. It reached into virtually every home and business in the developed world. And it was all one — it was all […]

On Shelter Comings and Goings, and Refinancings: The Certainty of Uncertainty

One week off from writing, and I felt at a loss for a topic, until listening to Dave Ramsey on the radio this morning and then . . . I listened to Dave answer an emailed question along the lines of, “Dave, I can re-fi my mortgage, which is at 5.125%, […]