Here's our weekly linkfest of interesting articles on investing and personal finance. 

The myth of stock-market tops (Wall Street Journal). Mark Hulbert reminds us that market sectors/indexes rarely crest in unison. Some tops may occur well before others.

How to access funds with high minimum investments (Morningstar). Ever wonder why there are multiple "classes" of the same fund? Click and learn.

Expect to spend more on health care in retirement — even if you're well (CNBC). Some retirement expenses are highly controllable, others not so much. Healthcare tends to fall into the latter category, but this article has ideas for keeping those costs in check.

New report shows credit card debt is hindering 401(k) savings (Forbes). A hard truth: Money needed to pay down debt can't be used for retirement savings. Who knew?

Investor alert: Public companies making ICO-related claims (Securities and Exchange Commission). A news release warning about possible (should we say "likely"?) fraud flowing from the cryptocurrency craze.

And from the world of bloggers and pundits...

36 obvious investment truths (A Wealth of Common Sense). Lots of time-tested wisdom here.

Yet again? — PDF file (Oaktree Capital). In his latest memo to Oaktree clients (and any other investor who wants to tag along), the incisive Howard Marks writes about exercising investment caution, the market impact of passive investing, and the quite uncertain prospects for bitcoin.

5 early retirement challenges you MUST be prepared for (FiveCentNickel). This piece expands on issues discussed in our September-issue article, "Catching FIRE — What to Make of the Early-Retirement Movement."

Late? That’ll cost you 50% (The Humble Dollar). A terrible thing will befall you if you fail to take a timely Required Minimum Distribution (RMD) from a tax-deferred retirement account.

Begin preparing now for Christmas expenses to avoid holiday debt (Bible Money Matters). Stores will be putting up Christmas decorations any day now! (Well, maybe any week now.) As always, early planning can help you keep Christmas-related spending in check.