Table of Contents

Part 1, the $1.7T question on whether it is fair to ask people (high school graduates or lower education achievement) who earn ≈40% less than others (college graduates) to pay for the education of those college graduates. Part 2, is a collectivism approach to taxing large corporations to help educate…

Not that you asked, but I am … My Background Two parents, three siblings, three children, and a primary partner who is amazing. Have lived in Massachusetts, Ohio, and California, and traveled a fair bit. My work background is in Information Technology, Investing (SIE and Series 6), and Personal Advisor. Personal Advisor My Uncle…

Not that you asked, but it is all about doubt. — Californians are heading to a recall election asking whether Gavin Newsom should continue as governor. That some people are not satisfied with a sitting elected official is nothing new: You can please some of the people all of the time, you can please all of the people some of the…

Not that you asked, but it is a time saver and a money maker. — As with Dividend Reinvestment In Action, this article showcases actual transactions using the dollar cost averaging method of investing. Dollar Cost Averaging is buying the same asset at a set investment price at regular intervals. Buying bitcoin with $200 on a biweekly basis is an example of Dollar Cost Averaging…

Not that you asked, but reading is relaxing, bonding, plus educational. — I have three children (two Millennial and one Gen-Z, for context). While I did not attend college beyond one year of community college, I had it in my brain that I wanted college to be an option for them. …

Not that you asked, but here is my hybrid approach — Some parents (and their kids) are in a fortunate position to fund 100% of college costs. Some are in a position to fund zero. In my case, I could fund most costs, and perhaps all costs (depending on the college), but chose to place a cap on what I fund. …

Not that you asked, but millions use this calculation without knowing why — With all of the news of people moving during the pandemic, low loan interest rates, and record housing prices, the estimate by the U.S. Census Bureau is that home ownership rates is down slightly year-over-year. Mortgages are still a prevalent method for funding housing. From the Feds, outstanding mortgages have…

Not that you asked, but stocks trading flat can have reasonable returns — Even during bull or bear markets there are some assets that trade flat, which is simply a price that is not fluctuating much. In the JNPR stock chart above, from 2015 through the end of 2019, the stock stayed between $21.24 and $32.23, with an average of $26.35. People who…

Not that you asked, but a penny spent is a penny saved. Check with the mortgage lender on prepayment penalties, if any, and that extra payments pay down the principal, and not toward interest. While I have striven to be accurate, these figures are illustrative, and can differ based upon…