"Phil Cook" is an United States/American banjoist, pianist and singer. He is a member of the freak-folk band Megafaun. Before he became a member of Megafaun, Cook was part of DeYarmond Edison, a band led by Bon Iver's Justin Vernon. He also plays in the band Gayngs. Beyond his musical career, Cook works at the Center for Inquiry Based Learning at Duke University where he "assembles hands-on science kits for elementary schools." Cook draws on diverse influences including Bill Evans, Bruce Hornsby, Keith Jarrett, Jerry Douglas, Ry Cooder, Greg Leisz and Bill Frisell. He released his first solo album, Hungry Mother Blues, in 2011. Cook was educated at the University of Wisconsin-Eau Claire.

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If you just keep going up, you lose your perspective. It just helps remind people. It gets their head straight.

[With school and a tight budget in mind, her approach to money] will be her biggest obstacle, ... She really needs to ignore to the extent possible the perceived money everyone around her is making.

I think a realistic approach is 10.5 percent to 11 percent, ... That's the long-term average.

[1.) Ensure you can afford to repay the debt. That means keeping some emergency money liquid.] I think living without any debt whatsoever is neither wise, nor practical, ... But if you're going to take out a loan, you must have emergency cash reserves.

I don't think it prudent to completely stop working with this kind of nest egg and feel comfortable that, no matter what happens to the market, my health or the economy, I've got enough to live on for the next 20 years.

If you add this chemical to that chemical, you will get this result.

From this day forward, do not charge anything on the credit card that cannot be paid off at the end of the month.

Reach out to other people who are affected in a less personal way, both professionals and good friends, ... They can help you sort out your thoughts. Try to avoid irreversible decisions, such as selling your house, quitting your job, or selling off large portions of investments.

Mr. Vogel seems rather cavalier when it comes to issues his heirs will face should he die unexpectedly, ... Aren't these the very people he cares the most about?