Follow the Money (and the Millennials)

Once there were Baby Boomers and Gen x’s, and they lived happily. They had brands they really liked along with their favorite beers, cereals, and department stores. They also had their particular way of consuming—looking for a specific physical location, buying lots of things they didn’t necessarily need, and essentially really liking certain products. Then came the millennials, who are less of a brick-and-mortar kind of people. Millennials want to buy everything online. They want everything delivered to them very quickly,

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The Eighth Wonder


Lacking financial literacy, many people are unaware of what might be the most important factor for increasing your own capital. It’s a term that Albert Einstein referred to as “the greatest mathematical discovery of all time” (and Albert Einstein knew something about math) and “the eighth wonder of the world.” If there is anything you need to know about finance, it’s Compound Interest (Compounding). But compounding is not just math or finance. It’s a more profound idea than it may seem

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Vocabulary for the Solid Investor

In the last few weeks, I have received some feedback saying that I have put the cart before the horse, and that some readers first need to understand the basic ideas and concepts of investing. I strongly believe in strengthening financial literacy, so I immediately thought about discussing important vocabulary terms for the new investor, who will hopefully become a solid investor. This discussion will not follow a strictly ABC approach but rather focus on the order in which a

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Buying a house—A wise financial decision? (2)

In the previous post, I discussed whether or not buying a house today is a smart financial decision. I recommend reading it before reading this post, but if you’re a millennial who hates to read a lot, then the short answer would be no. Or probably not. Not everyone wants to buy today. Some are considering various alternatives for investment. Some do not have enough free cash flow, while others are waiting for a bubble to explode. Among millennials, some

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Buying a House—A Wise Financial Decision? (1)

Buying a house can be the most important financial decision you’ll ever make, especially if you live in coastal areas, where real estate prices tend to be higher. In a series of posts, I will consider how wise it would be from an economic perspective to buy a house today. I will not discuss psychological factors involved, for example, most people want to live under a roof of their own, or some other practical factors—you are very limited in being

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How will Robinhood affect your returns?

Robinhood is definitely a cool app. It is one of the fastest-growing apps these days, and when taking into account its particular field of financial services, its growth is even more impressive. Robinhood is a financial services company showing growth similar to that of an internet services company, with over 140K new subscriptions a month, and 17% monthly growth to their premium subscription. Robinhood is a disruptive company. It allows people to trade stocks with no fees. With this simple,

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Shit people (who don’t invest) say

They are everywhere around us. Some of my best friends are this way, and in this post I want to address all their sayings. All their clichés. I’m talking about people who don’t invest. People who have strong feelings about the stock market or don’t have any feelings about it at all. Some of them are just being lazy, but some are doing it out of principle. Let’s dig into their characters. Types of non-investors The lazy—He intends to invest.

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Thematic ETFs — What are they good for?

An exchange-traded fund, known as an ETF, has become increasingly popular over the last few decades. Born in the early 90’s, an ETF is a financial vehicle traded in stock exchanges and tracks the index it covers. For example, some ETFs track the S&P 500, and ETF shares are traded in accordance with the index, replicating the return of the index. The Thesis Stocks exchanges have a long history. Some argue that a stock market even existed in ancient Rome,

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Catch-22 v. 2.0 — Millennials and the Stock Market

The stock market lacks millennials. Is the stock market not suited for them? If the numbers tell us anything, that’s probably true. Eighty percent of millennials are not investing in the stock market, according to a Harris poll. This strikes us as a very high number, as 52% of the general population are invested in the stock market. In fact, that 52% is still much less than the 65% invested before the subprime crisis in 2008. These stats can increase the gaps between generations. Generation

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