Blog Archives

Civics 103 – The “Superfunction” Human Resources

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The federal budget is divided into 20 functional categories (e.g., national defense, health, energy, transportation), which are further divided into subfunctions. These functional categories provide a broad statement of budget priorities and facilitate the analysis of trends in related programs; … Continue reading

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Civics 102 – U.S. Gov’t expenditures 2010 Vs. 2007

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The above analysis compares Federal budgets fiscal 2010 to 2007.  I’ve chosen these two years to compare because the contrast is both timely (see Joint Select Committee on Deficit Reduction, i.e, Deficit “Supercommittee”) and politically revelatory.  2007 was the last … Continue reading

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For Parents Serious about Teaching Their Kids About Money

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To become financially literate, competent and savvy requires an understanding of basic economic principles and their practical application to personal finance.   As readers of my blog, you know I’m dedicated to explicating and exemplifying those principles through the Curve metaphor of … Continue reading

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Civics 101 – Civics and Financial Literacy

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In this post I’ll begin arguing the case for making ‘civics’ (at a minimum a review of the United States budget and its implications ) an essential component in financial literacy education.  I believe it’s absolutely necessary because government’s  a … Continue reading

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Investment Diversification

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In my post Goals and Risk or the Straight Line Meets the Jagged Line I covered the impact of market volatility on investment portfolios over the last 20 years.  This post discusses diversification as a means to mitigate that volatility. Diversification … Continue reading

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Financial Literacy Recap

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Several readers have asked me to recap my posts related to financial literacy.  So here it is…. The Curve Topic:   Page or Posts The Curve and Flow:  The Curve Inputs for curve calculation:  Curve Components – Part 1 Calculating … Continue reading

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Goals and Risk or the Straight Line Meets the Jagged Line

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This post attempts to simplify the math that underlies goal planning. I know, it sounds complicated but don’t hang up just yet. I’m going to use a lot of pictures and keep the math to a minimum. If you can … Continue reading

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Sage Money Advice

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A long long time ago there were two great academies, centers of sublime wisdom. They were the academy of Yoha and the academy of Sime. Each had many disciples. Each was known the world through out. (1) Iza of Zei … Continue reading

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Embrace Your Insecurity

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Guest Blogger Nicole (znic123) I’m a mid 20’s designer living in New York and I want to own my own home in the foreseeable future. When I started this process I didn’t know anything about investing or goals.  I just … Continue reading

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The Classics

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Want to become a savvy investor? Consider cracking open one or more of these investment classics. Security Analysis: The Classic 1940 Edition by Benjamin Graham and David Dodd The Intelligent Investor by Benjamin Graham Common Stocks And Uncommon Profits by … Continue reading

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