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Lonely tree

Don’t be a minimalist, be a sensibilist

Minimalism is a big thing. From tiny houses to 100 things challenges, it seems that there is a building pushback against the McMansion-loving, stuff-buying, American-dream excess of our modern age, where what you buy determines who you are. From the … Read MoreRead More

Ladder

An alternative to CD lock-in: a “ladder”

I don’t think CDs (certificates of deposit) are worth the bargain. You often (but not always) get a slightly higher interest rate than an equivalent savings account, but at the price of liquidity, in that you have to leave the … Read MoreRead More

PayDay candy bar

Don’t use payday lenders

Back when I was working at Kinko’s doing layout, one of my regular customers would often ask me to create or update an application form for his company. It was for some kind of loan, and as I had to … Read MoreRead More