Heraclitean River

You can never step into the same river twice. . .

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Over the past year or so, I’ve explored a number of issues related to mortgage overpayment strategies, particularly issues that should be considered before simply piling excess cash into your mortgage.  Here are links to all the posts in the series, with their topics: Inflation Other high-interest debt Saving for retirement Emergency funds and insurance [...]

This post is part 7 of 7 in a series entitled “When not to pay down your mortgage,” which outlines many scenarios where paying extra on your mortgage isn’t necessarily the best financial strategy. ——————————— This series of posts has attempted to identify reasons why the standard advice that putting extra money into your mortgage [...]

This post is part 6 of 7 in a series entitled “When not to pay down your mortgage,” which outlines many scenarios where paying extra on your mortgage isn’t necessarily the best financial strategy. ——————————— In previous installments of this series, we considered your mortgage money as if it were “in a vacuum.”  When inflation [...]

There seems to be a lot of confusion in the past few days about what exactly will happen if the Boston Marathon suspect isn’t “given his Miranda rights.”  On the one side, you have a lot of liberals and the ACLU claiming that his “rights are being taken away.”  On the other side you have [...]

This post is part 5 of 7 in a series entitled “When not to pay down your mortgage,” which outlines many scenarios where paying extra on your mortgage isn’t necessarily the best financial strategy. ——————————— The previous articles in this series have dealt with considerations that should be important to every home buyer: preparing for [...]

In case you haven’t heard, there’s a doctor named Kermit Gosnell on trial in Philadelphia for murdering seven infants after botched abortions, along with various other crimes.  Aside from the local Philadelphia press and various pro-life blogs, little has been said about this story nationally until a few days ago, despite the fact that the [...]

In common everyday language, the word agnostic has come to mean “I’m not sure about the whole religion thing.”  Many people who don’t really believe in a deity prefer it to the term atheist, which can sound harsh to some. While agnostic is often used today, it has a precise technical meaning that is somewhat different [...]

This post is part 4 of 7 in a series entitled “When not to pay down your mortgage,” which outlines many scenarios where paying extra on your mortgage isn’t necessarily the best financial strategy. ——————————— In previous articles, we identified two of the highest priorities in financial planning that should generally be addressed before making [...]

This post is part 3 of 7 in a series entitled “When not to pay down your mortgage,” which outlines many scenarios where paying extra on your mortgage isn’t necessarily the best financial strategy. ——————————— As detailed in the previous post of this series, excess savings in your budget should not automatically be used to [...]

This post is part 2 of 7 in a series entitled “When not to pay down your mortgage,” which outlines many scenarios where paying extra on your mortgage isn’t necessarily the best financial strategy. ——————————— For many years, making extra payments on your mortgage was generally viewed as an excellent investment.  If you want to [...]