Dude, Where’s My Investment?

After two years of relying exclusively on MUNI, BART, and my Bianchi, last year I broke down and purchased a car− my first new car in twenty years. Negotiating for a car has become much simpler. Immediate mobile phone price comparisons have squeezed dealers’ commissions and forced dealerships to rely more on volume and customer …

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Is the Stanford Marshmallow Test a Harbinger of Roth Investing?

In the 60’s and 70’s, Stanford professor/psychologist performed an experiment on 7 to 9-year olds.  In the test, Professor Mischel offered the children one marshmallow.  If they didn’t eat the marshmallow now, they would receive two marshmallows later.  In this test of postponing instant gratification, Mischel discovered the children who were patient and waited for …

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