planning

Christmas is always in December, or why to plan for holidays

  So, we know that we need to save for yearly bills. Well, we need to save for yearly expenses too. (To those who are new here, welcome! You may be wondering what’s the difference between a Bill and an … Read MoreRead More

Why no one walks (or, this land was not made for you or me)

  Recently, I spent some time in a small city in the US Southeast. Stationed in a hotel a few miles from the center of town and without a car, I spent a few days negotiating the area on foot. … Read MoreRead More

How to plan for Social Security

  Here in the US, we actually do have a small safety net for the elderly and disabled. It’s called Social Security (technically called “Old-age, Survivors, and Disability Insurance” or OASDI) The idea is that when you reach a certain … Read MoreRead More

Who is responsible when a pedestrian is killed?

  My neighbor in New York City was killed a few years ago. She was riding home on her bicycle, and was hit by someone driving an SUV. Criminal charges were never filed against the driver, though he was sued … Read MoreRead More

What highway congestion can teach you about your goals

  Many of you spend a large chunk of your life stuck in traffic.  And I feel for you; I lived in New York City with a car for seven years, and while I never commuted to work using my … Read MoreRead More