Heart of a Student

When I decided to get serious about retirement, I thought, “I need a financial advisor.” Dave Ramsey strongly advocates getting a financial advisor and I was inclined to follow his advice. First and foremost Mr. Ramsey recommends that one select someone “with the heart of a teacher.” I strongly agree. Happily, Mr. Ramsey’s web site was set up to take down my zip code, then give my contact information to one of his “endorsed local providers. »

Compounding Is The Secret of Everything

I came into the living room and saw the glass panel lying on the carpet. It had fallen from the TV cabinet I had custom-made for me a few years ago. Seems the double-sided tape holding it to the front of an equipment drawer had given way. I brought the matter up with Mike, who had built the cabinet. He sagely opined, “Gravity is a patient foe.” The solution Mike had devised was adequate to resist gravity for a while. »

Heinleins 5th Law

As you may realize, I’m a fan of Robert A Heinlein who was an SF writer of the last century. He left the planet when I was a young man. One of his legacies was five rules of writing that he set forth in an essay, On The Writing of Speculative Fiction. You must write You must finish what you start You must refrain from rewriting, except to editorial order You must put your story on the market You must keep it on the market until it is sold This list was brought to mind when I encountered a passage in Elizabeth Gilbert’s book Big Magic. »

The Utility of Debt

There is a young man whose judgment and good sense I trust. However, when he got married “the old ball and chain” was not his lovely bride, but college loans. We were chatting recently and he admitted that 80% of his budget that month was going into debt service. This is a remarkable amount to which we may credit both his frugality and also the value he creates for his employer. »

Necessary and Sufficient

I was reading a web site recently that advocated One Thing (environment) as the magic key that will change your life and make you a success. He paired this with the observation that Another Thing (will-power) is useless. The trouble with such articles is that they aren’t even wrong. You see, there is no such thing as magic. Environment or habit are not magic. Anyone who tells you different is not lying. »

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