The Eighth Wonder

Compunding

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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Does the President Really Influence the Economy?

Presidents come and go (in democratic countries), but they often leave their mark. They mark the country politically, economically, and even culturally. The president of each country is considered to be the most influential person in the country, and the president of the U.S. is considered to be the most influential person in the world. In most countries, the economic state of the country is likely to decide the winner of the elections. We all remember Bill Clinton’s saying “it’s

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How to Invest in Global Warming

This post will start with a disclaimer. Writing about climate change can be very controversial. In the U.S., some might consider it a political statement, but there is a worldwide consensus that global warming is indeed happening. While liberals usually consider global warming as something influenced by humans, some conservatives agree with the facts regarding climate change but believe it’s a result of other factors and not necessarily caused by humans. It’s one of those debates that will last forever,

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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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What’s the Deal with Cryptocurrencies?

One of the trendiest subjects in the financial and technological world is cryptocurrencies. According to Wikipedia, the definition of cryptocurrencies is a digital asset designed to work as a medium of exchange using cryptography to secure the transactions and to control the creation of additional units of the currency. Cryptocurrencies are part of a technological revolution, but the scope of this post is to determine if they are part of an investment revolution. Many people are talking in favor of investing in cryptocurrencies and are definitely

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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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