Welcome to my blog! My goal for this blog is to start discussions on some of the key issues in personal finance. Many personal finance issues covered by the press don’t address the needs of real people. Most of the focus in on the short term. For example, there is always a daily report on how much the Dow Jones Industrial index went up or down. For most people this has little relevance. Or they report on topics like what would you do with $10,000 today. As if the answer would be different than it was yesterday.I understand why they do this. They need to fill magazines, newspapers, websites, and 24 hour cable channels with content. A lot of this content I consider Financial Porn — the idea is to titillate you and get you to do something foolish with your money based on short-term thinking.In this blog I plan to discuss the things that really make a difference over the long-run. It would be hard to fill a 24 hour cable channel with that type of content (too boring and repetitive) but it’ the stuff people really need to know.Thanks!