Personal Finance

Insights and tips for building your savings.

What two subway tokens taught me about Vanguard

Early in my Vanguard career, I accompanied Vanguard founder Jack Bogle to a meeting in New York City. I’d never traveled anywhere with the founder of a multi-billion-dollar anything before. Would we chopper up to the East 34th Street Heliport? …

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20 Comments

Recent Posts

Musings of a pack rat

I am a pack rat.

A long habit of cutting articles from newspapers and magazines has left me with several boxes of clippings, only some of which have been sorted into files. On a clean-up crusade, I’ve spent more than …

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12 Comments

The art of the perfect password

Anytime I forget something, I rationalize that what I’m really doing is clearing out space to allow new information to be stored in my brain. It’s a bit like cleaning off my desk or deleting cookies from my computer.…

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39 Comments

The culture of saving

Are Americans becoming more thrifty? Personal savings rates are up, the government statistics tell us. This fact has engendered a wide-ranging debate. Is this just a short-term deviation from America’s obsession with spending, or is it a permanent change?

I …

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84 Comments

Is your financial advisor worth it?

If you rely on a financial advisory firm to manage your assets, how do you know if you’re getting what you pay for?

We think the answer to this question comes down to several specific points, one of which (an …

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16 Comments

If it sounds too good to be true …

I’ve written about financial fraud involving seniors before, and it remains a serious concern. Unfortunately, there’s not much we in the investment industry can do beyond warning our clients to be vigilant and working through issues when they arise. As …

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3 Comments

Here today, gone tomorrow?

You see it all too often: A caretaker is arrested for stealing funds from a senior under his or her care. What you don’t see as frequently—though I believe it’s a great deal more prevalent—is family financial fraud, primarily targeting

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5 Comments

We’re wired. Is that a good thing?

We Google, we Tweet, we LinkIn, we “friend” each other, and we log on to the Internet at ever-increasing rates.

Findings from the Pew Internet and American Life Project have shown that our current economic woes have carried over into …

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6 Comments

Who’s looking over your shoulder?

I’m a list maker. I carry around various lists for different parts of my life, and add and delete as I work my way through the tasks. While much in my life has become digital, I always write these lists …

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8 Comments

Your comments, please

From the day we launched this blog in March, we’ve received plenty of feedback on our policy of not publishing readers’ comments.

Most of you, it’s fair to say, wished we would change the policy. Well, I’ve got some news …

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31 Comments

“Generation D” redux

Thank you for all of your comments on my “Generation D” blog post. We heard from students, recent grads, parents, and investors. Your comments were insightful and passionate, and pointed to several major themes.

Some of you admitted to, or …

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