Phil Cook
Phil Cook
Phil Cook is an American banjoist, pianist and singer. He is a member of the freak-folk band Megafaun. Before he became a member of Megafaun, Cook was part of DeYarmond Edison, a band led by Bon Iver's Justin Vernon. He also plays in the band Gayngs. Beyond his musical career, Cook works at the Center for Inquiry Based Learning at Duke University where he "assembles hands-on science kits for elementary schools." Cook draws on diverse influences including Bill Evans, Bruce...
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You are to be commended for aggressively putting money into your 401(k) accounts. Do not stop doing this.
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Mr. Vogel seems rather cavalier when it comes to issues his heirs will face should he die unexpectedly, ... Aren't these the very people he cares the most about?
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Make sure the distribution of your assets is right for your particular goals, that your risk versus return is an appropriate tradeoff, and that the same people are managing your mutual funds.
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I think a realistic approach is 10.5 percent to 11 percent, ... That's the long-term average.
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I think that strategy is generally incorrect, ... In some cases, depending on your age and what you're earning on your assets, it's OK to spend some principal.
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That doesn't factor in mortgage costs, but they wouldn't reduce those returns dramatically either. Of course, when prices are falling, leveraging can work in reverse. But that's infrequent with real estate. As long as you can service the debt, I think you're better off with the mortgage.
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I see lots of emotion in her financial decisions, ... This will hurt her in the long run.
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From this day forward, do not charge anything on the credit card that cannot be paid off at the end of the month.
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I don't think it prudent to completely stop working with this kind of nest egg and feel comfortable that, no matter what happens to the market, my health or the economy, I've got enough to live on for the next 20 years,
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Unless she commits herself to living like a monk, it is not likely she will be able to achieve all of her goals in the next few years.
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The debt-free mentality is largely the product of emotion - how nice it would be to never make a mortgage payment again. Good debt gives you some leverage that helps you increase your net worth.
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I'm not saying this is good, but it is more accurate and provides a clearer picture of what's going on.
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If you add this chemical to that chemical, you will get this result.
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If you just keep going up, you lose your perspective. It just helps remind people. It gets their head straight.