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Bogleheads’ Retirement Planning: Tax Games
Why didn’t I ever look at 401(k) contributions as a tax game? Probably because I didn’t really understand how taxes worked.
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Clear Internet: Shady, Untrustworthy Service
Late in February, I decided to see if I alone could break Time Warner’s broadband internet monopoly in my area. I did so by checking out Clear, a 4G home internet provider. In short, Time Warner won. For now. In long, there was first… A Suspicious Start
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Weekly Linkage: Healthcare, Midnight Deployments, and Markov Chaining
I’ve been all over The Incidental Economist lately, and it’s really hard not to link to every one of their posts that I can make heads or tails of. They’re really prolific by my standards, though, which means it’s a struggle to keep their posts from falling off the 30-day cut-off in Google Reader. Simply put: Marginal cost/benefit – "You’ll consume as much health care as you think worth it for the transaction price (your copayment if you’re insured). The lower the price, the more you’ll consume. You’ll keep using health services until the marginal benefit falls below the price you pay." I'm not sure I agree that people will…
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Bogleheads’ Retirement Planning: Investment Policy Statement
This is the second of my Bogleheads’ Retirement Planning series. “Investment Policy Statement” a hoity-toity term for “make a contract with yourself on how you’ll invest”. What’s your risk tolerance? What allocation of investments do you want to maintain? How often will you rebalance? What’s your goal? How often will you reassess your goal? I’ve had these things in my head, shuffling them around as I researched and toyed with percentages and numbers. What they weren’t was written down.
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It’s Okay to Breathe
I just finished The Money Book for Freelancers, Part-Timers, and the Self-Employed yesterday, although the book was eye opening and (fer skerious) life changing throughout–I’m leaving it under Greg’s pillow, on his keyboard, and in his underpants drawer–one paragraph near the end caught my eye: Return calls promptly. How many times has someone explained away a long delay in response with that lame excuse “I’ve been swamped”? Expunge this phrase from your lexicon. It’s horse hockey. Newsflash: it’s the twenty-first century, and we’re all swamped. If someone leaves a voice mail message for you, log it in and get back to them within twenty-four hours. E-mail etiquette is slightly different,…