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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Grateful Dead on financial reporting

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: What is the significance of the Grateful Dead lyric on your homepage?

A: This lyric attributed to Robert Hunter is from Terrapin Station and reflects my acceptance at mid-career that one writer's opinion will not largely impact the whole of our financial structure. In the end, my only significant opportunity to add value as a writer/adviser is to help individuals operate within the system rather than as a protestor against the system. As much as I feel, for example, that our national fiscal policy is a disgrace and that the states' administration of entitlement programs is just ridiculous, I spend each day helping people figure out how to utilize these same systems. In a sense, I think, this lyric is an echo of the second provision of the serenity prayer "to accept those things I cannot change". I have also incorporated bits of Grateful Dead lyrics in other Web pages and publications.


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