Our 'Non-monthly and Irregular Expense' Fund
For nearly a decade, we've used a fund to pay for non-monthly and irregular expenses, and it's smoothed out our cashflow significantly.
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Long-term Care - Part 3: Strategies for Funding LTC
In this third and final post in the long-term care series, I discuss various strategies for funding long-term care.
What is Christian Stewardship?
In this post, I explain what Christian stewardship is and the three guiding principles underlying it.
Why I Don't Like the Callan Periodic Table of Investment Returns
The Callan Periodic Table of Investment Returns is used to demonstrate the value of diversification, but it has some big problems.
Long-term Care - Part 2: Insurance
In this second post in the long-term care series, long-term care insurance options are discussed.
Long-term Care - Part 1: The Risk
In this first post in a series on long-term care, its financial risks are discussed.
Take Out a 30 Year Mortgage to Pay Off in 15 Years? At What Cost?
Taking out a 30 year mortgage that one plans to pay off in 15 years to retain flexibility seems common, but it comes at a high price.
Advantages from Delaying Social Security Benefits
Most of those eligible to claim Social Security benefits do so early, but this can be detrimental to a long retirement.
The Proper Use of Insurance
Insurance is one of the key tools used to build a prudent financial plan. But there are many times when it should be avoided.
The Superiority of Inflation-Linked Bonds for Most Investors
In this post, inflation-linked bonds are shown to be less risky than nominal bonds for funding consumers' future spending.
Being Frugal vs. Cheap
What does it mean to be frugal versus cheap? In this post, I discuss their differences and why one is much preferable to the other.
Buying in Bulk: Saving by Stocking Up
'Bulking up' is a common way to reduce costs, but it's not always a good idea. This post offers some advice on how to do it well.
A Follow-up to the Rule-of-Thumb for Roth Contributions
In this follow-up post, I discuss why tax-deferred, rather than Roth, contributions are usually superior for those in higher tax brackets.
The Craving for Bigger Houses
We regularly hear that housing in the U.S. has becoming increasingly less affordable, and that certainly seems to be true. In 1973, the...
The Better Way to Buy Propane
Propane tank exchanges are popular but costly compared to the simple alternative.
A Simple Rule-of-Thumb for Roth Contributions
In this post, I discuss a rule-of-thumb to help determine when to contribute to tax-deferred or Roth accounts, along with its limitations.
The Dangers of Not Understanding Your Risk Tolerance
Risk tolerance is a crucial variable for investors to understand, but the typical means of estimating it may not be realistic.
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