What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Is HELOC the best option?
2. UTMA and UGMA
3. Second job or career advancement?
4. Buying scissors
5. Fresh vegetables and grocery shopping
6. Financially responsible television?
7. Disposing of old financial papers
8. Realities of job applications
9. “Financial independence” scam?
10. Physical tracking of Triggers questions
11. Thoughts on secular Buddhism
12. Financial advisor

One of the strangest things about exercise, at least to me, occurs when you work a muscle that hasn’t really been worked in a while. You’ll finish and you’ll feel fine for the rest of the day, but then tomorrow you’re really sore in a bizarre place in your body and, often, you’re even more sore the following…

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