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: Explanation of Benefits

The 20th Anniversary of the Mosaic Browser and the Beginning of the Mass Commercialization of the Internet: How It Has Affected All of Our Financial Lives

It was twenty years ago today that Sgt. Pep . . . per . . . um . . . Marc Andreesen taught the Internet to play. That’s right: on 11/11/1993, Mosaic 1.0 was set free from the National Center for Supercomputing Applications, located within the beautiful confines of the […]

Insurance Companies, Kafka, PITB Expenses and High Deductibles

I don’t often do rants (or do I?). Today, though, I’ve a bit of a rant to share. The things we do in the name of writing about improved financial health! *  *  * Most people know Franz Kafka as the fellow who wrote the story about the traveling salesman […]