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General Finance
personal finance, retirement, teachers
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Ohio, United States
Life stage:
DIK (Dual Income, Kids)

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Latest Blog Posts

Like everything else, Education and Learning is experiencing enormous change.  Its purpose.  Its design.  Its value. Idealistic? Pragmatic?  While I’m not going to debate those important questions here, I do want to instill that now, more than ever, learning should be a lifetime goal.  To succeed in today’s world, one should never be content with what they learned “in school”.  New (rapid) discoveries are continuously made in all fields and ...
Posted: Jun 16 2017 @ 9:23 AM
I’ve been getting a lot of questions about Bitcoin (BTC) lately, so I thought to share a quick, simple article on the subject.  So here goes.  Bitcoin is increasingly a familiar term across the investing world. It’s present in mainstream media and is slowly making its way into a wide array of investment vehicles.  At its simplest, Bitcoin is a form of currency and a payment system that is created ...
Posted: Jun 12 2017 @ 9:36 AM
Fintech, short for financial technology, is an increasingly fashionable buzzword across the web and traditional media. (As a researcher, I really can’t stand jargon.) It is loosely defined as any sector of the financial services industry where new technology is overturning or challenging the traditional ways of doing things, and much is made by commentators about how deeply it is set to disrupt the operations of multinational banking giants. Can’t ...
Posted: May 31 2017 @ 9:22 AM
It’s a crazy, crazy world out there.  ‘Psycho’ some would say.  Or ‘psychological’ if you want to be a bit more diplomatic.  So how’d you guess?  I’ve been thinking a lot about annuities lately.  With reawakening global inflation, increasing costs of health care, and disappearing employer pensions, it’s no surprise that there’s growing fear among all of us that we won’t be able to afford a long retirement. Take the money ...
Posted: May 23 2017 @ 11:04 AM
She cashed you out when you bought your morning coffee. He prepared and brought it to you with a smile. She cleaned the bathroom on your floor before you arrived at the office. He vacuumed the floor of your office after you left.  All around you.  Many of these everyday low-wage workers live in poverty despite being employed, and if current trends continue, more will soon be among them. I’ve been ...
Posted: May 14 2017 @ 3:05 PM
It's commencement season on college campuses across the country – which means thousands upon thousands of drivel-ridden commencement addresses being laid upon new graduates.  So in the spirit of anti-drivel, I wanted to talk about something more concrete than the typical platitudes ofwork hard, obey the golden rule, and dream big. So, to the graduating class of 2017 I say this -- “Try, try, try to understand, he's a magic man.” Bear with ...
Posted: May 05 2017 @ 9:52 AM
Life sets everyone on unequal footing when it comes to money and finances. When we’re younger, it’s hard to think too much about the stark financial gaps that exist between us and our neighbors, but it doesn’t do anything to fix the pervasive inequalities in household incomes. As a youngster, my background was anything but privileged. On the other hand, a lot of the kids with whom I went to school ...
Posted: May 01 2017 @ 9:40 AM
Last month “the Fed” (I just like saying that, so I’ll place it in quotes) raised interest rates, again.  STOP.  Cue and play below video.  I say ‘again’ because last month’s increase was the second such increase over a three-month period - frequent, successive increases possibly hinting at something?  Though the increases were nominal, it got me reflecting on the past . . . (that seems to happen more often, ...
Posted: Apr 24 2017 @ 5:52 PM
Keeping it simple.  Slowing down.  Living below your means.  These are all practices and principles that have increasingly guided my family’s life (and work) as we continue our financial independence journey.  But nowadays, that all seems to have a new name – ‘minimalism’ is the concept of choice. Now, personally and professionally, I tend to shy away from what could be perceived as fad and jargon.  As a researcher and academician, ...
Posted: Apr 17 2017 @ 9:30 AM
Investing.  Investments.  Stocks.  Mutual Funds.  Assets.  Options.  Brokers.  (anxiety kicking in yet?)  Why do people make simple things so complicated?  Human behavior, I guess.  But to me, savings and investing aren't that complex.  So get over it.  Kick the anxiety.  And get started. Whether you’re saving for retirement or wondering how you’ll put the kids through college, having an investment strategy is critical.  And no, you don’t have to be a ...
Posted: Apr 13 2017 @ 6:38 PM


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