My name is Michael James.  I like to understand all things financial so that I can make prudent investing and personal finance choices.  The best defense against mistakes is understanding.  This blog is my attempt to explain financial matters clearly for non-specialists.

I'm now retired from making my living as a math guy in high-tech.  You may wonder why you should take my advice.  My answer is twofold: 1) I don't give specific advice on this blog, and 2) it's better to think for yourself than to follow anyone's financial advice blindly.  I listen to many people and then try to sort out the wisdom from the folly.