Havoc's Blog

In a post a couple months ago I argued that a given financial effect on an individual could be called a “tax increase plus a tax credit for doing XYZ,” or a “tax penalty for not doing XYZ,” and that the two are identical in terms of how many dollars all parties involved end up […]

I contribute to money.stackexchange.com sometimes; the site doesn’t get a ton of traffic yet, sadly. Some of the stuff I’ve written over there is as good (or bad) as my blog posts over here, so I thought I’d link to some highlights. Where to start with personal finance: my take was, don’t start with investing. […]