Tom’s Blog

Would you rent your furnace for $36 per month? I did.

I now have made two monthly payments that are, in effect, rent on our new furnace installed right at the end of last December. As I mentioned in this post, I decided not to use our financial assets to invest into non-financial assets. This

Why do investors pay fund and advisor fees that make no sense?

The last post said you will be a successful investor – almost certainly better than the 94th percentile of investors over time – by investing solely in Index funds. But very few individual investors do this. This post examines why they don’t simply stick

Why wouldn’t you decide to be in the top 6% of all investors?

I would think most retirees would be ecstatic if they knew they could be in the top 6% of all investors, and they can. But an amazing percentage of investors make decisions – or fail to make decisions – that would put them at the

Can you Earn, Invest and Spend and NEVER pay tax? Yep: it’s an HSA account

A Health Savings Account (HSA) is about the best investment opportunity ever: it’s Triple-Tax Free. Nothing beats that. You likely accumulate +25% more after-tax dollars for spending from an HSA than from the next best thing, your retirement accounts. This post explains why – if

Is your checkbook Neat or Sloppy?

I guess I would judge mine as both Neat and Sloppy. I think it’s always been both Neat and Sloppy. But what’s Neat and what’s Sloppy have switched over time. This post describes what I mean. Is your checkbook Neat and Sloppy? You actually want

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