Guarding yourself from experts

Ever heard the joke about what you call someone who graduates last from medical school? The answer is “doctor”. It means that no matter how good or bad someone was in medical school, they are still a fully fledged doctor. It’s an interesting fact...

Rebalancing my portfolio – part 2

I already mentioned the first step in rebalancing my portfolio: replacing my 401k with an EIUL. My second step is investing in some dividend aristocrats and holding onto them FOREVER, pulling in dividends and reinvesting them for the long term. What’ll you take...

24×7 software is a whole ‘nother ball of wax

Today I was hacking away, and getting really annoyed at how slow my laptop had become. I check ‘top’ and saw that several copies of Google Chrome were running, one with over 92 hours of accrued CPU time. For those of you from the non-UNIX land, that is...

Your 401k won’t create wealth

If you are paying income tax on your cash flow that is too high in your opinion, then there are many strategies that could lighten that road not using an 401K investment strategy. The real issue is would you rather pay taxes on input or output? So you input $100,000...