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The Boring Newsletter, 3/30/2025

Hi Friendos, A couple weeks ago I wrote about the potentially huge payoff of shopping a mortgage. Today is about the potentially huge payoff of prepaying a mortgage. I’ll discuss some of the “math” aspects of this but my view is that the non-math considerations are far more important. I hear a lot of people […]

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The Boring Newsletter, 3/8/2025 šŸ 

Hi Friendos, Last week I wrote about mutual fund fees and the importance of keeping costs low in your investing. This week I’ll do the same but for home mortgages. My message is: Shop your mortgage! Shop your mortgage! Shop your mortgage! This matters because the dollar impact can be so huge. Think about the […]

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The Boring Newsletter, 3/2/2024

Hi Friendos, Today I want to talk about fruit. Specifically, the expression ā€œapples to applesā€ and how it relates to investments, taxes, and risk. I am inspired by a recent article in the New York Times, ā€œKeeping a Mortgage After 65: A ā€˜No Brainer’ or a Big Risk?ā€ One person interviewed said it was a […]