Basics Joint Account or Separate Accounts? Joint vs separate accounts is a recurring topic, and I'm firmly a believer in the power dynamics of separate accounts that feed into joint ones. 2 months ago • 6 min read
Basics How To Make An Amortization Schedule Are you trying to evaluate loans or mortgages? Amortization schedules make finding the break-even point of discount points easy, and more. 3 months ago • 4 min read
Basics Using a Secured Credit Card to Build Credit Credit is sadly a necessary part of modern life in the US. I used a secured credit card to build credit, and I recommend it highly. 4 months ago • 5 min read
Basics Spend One, Save One Financial independence is neat, but what if you're a regular person who wants to adopt an easy personal finance strategy? 4 months ago • 7 min read
Basics What Your Savings Rate Says About You The percentage of your income that you save reveals much about your finances, especially about retirement goals. Here's what I read from them! 4 months ago • 6 min read
Basics What is an Unencumbered Asset? Assets can be unencumbered, or they can have outstanding claims against them. For example, a house with no mortgage is unencumbered. 7 months ago • 3 min read
Basics What is the Mean Reversion Strategy? Mean reversion is the idea that poor performance will rise to average, and stellar performance will fall back to the average over time. 10 months ago • 4 min read
Basics What's the Meaning of Skin in the Game? What does skin in the game mean? It's simple: investors like to see executives taking on personal risk to lead a business. Yet there's so much more to it! a year ago • 5 min read
Basics What is a Sinking Fund? Do you have a large one-off purchase coming up in the future? Start setting aside money now! This is the basic principle behind sinking funds. a year ago • 3 min read
Work What is an ESOP (Employee Stock Ownership Plan)? ESOPs provide ownership and an incentive for employees to increase profits and share price: the benefits flow right back to them when they cash out. a year ago • 5 min read
