This book provides objective personal finance and investing information for the millions of people who are trying to manage their own financial affairs efficiently and optimally without the benefit of an advisor. My goal is to increase your knowledge and improve your ability to manage your financial affairs independently. Manage your own personal finance and investment affairs This book assembles and updates many personal finance and investing articles that I have published on the Internet during the last ten+ years, while adding significant new materials. This electronic book collects these materials into a coherent compilation, while it still gives.