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Our goal is to provide concise, unbiased investment information to help people do the most with their money

We believe this can be achieved by informing people about (1) investment opportunities, (2) potential losses due to fees or active management and (3) the difference between investing and speculating.

We do not think years of education or lengthy books are required to achieve this.

Quick investment information

A concise, 5 minute introduction to investing.

Short table of investment categories with past and predicted future returns.

A simple discussion of assets and why they may lose, hold, or increase value in the future.

Recent articles

Private Equity (2024-2-22)

Our long term (10+ year) investment portfolio (2024-1-1)

2024 Investment Outlook (2023-12-30)

Municipal bonds (2023-10-13)

All articles

Recent tweets

February 27, 2024
BlackRock's Bitcoin ETF had over $1B in volume yesterday!


February 24, 2024
New Berkshire Hathaway shareholder letter released today, an excellent source of Warren Buffett's wisdom.


February 14, 2024
Blackrock's IBIT had almost 500 million USD inflow yesterday (Feb 13).


February 11, 2024
Ben Felix explains some interesting research about stock/bond allocation.


February 6, 2024
Beijing's efforts appear to be boosting Chinese stock prices.


January 31, 2024
Fed leaves rates unchanged and signals no plan to increase or decrease interest rates.


January 23, 2024
Not holding stocks due to high valuations? Ben Felix makes some good points in this video.


January 18, 2024
Spot Bitcoin ETFs experienced almost 10B USD of volume in 3 days.


January 10, 2024
The SEC has officially approved spot Bitcoin ETFs.


January 6, 2024
US unemployment rate unchanged at 3.7% in December, reduces probability of lower interest rates in the near-term.


January 4, 2024
Biden to provide $162 million in federal funds to Microchip Technology (MCHP).


December 27, 2023.
Some interesting charts show how prices of various items increased/decreased in 2023.


December 21, 2023.
Another year, another set of poor economic predictions.


December 16, 2023.
The next Bitcoin halving will likely occur before mid 2024 and there’s a high probability the US will approve spot Bitcoin ETFs in 2024.


December 12, 2023.
Inflation data for November released today with an encouraging 3.1% year over year rate.


December 4, 2023.
If you’re in a high tax bracket munis should be considered, according to a recent analysis by Vanguard.


December 1, 2023.
Checkout these 12 financial considerations before the end of 2023.


November 26, 2023.
Estimates indicate 7.5% increase in US black Friday online sales.


November 14, 2023.
October CPI reportedly the same as September, no inflation.


November 8, 2023.
Robinhood reported a 13% decline in Q3 trading volume compared to 2022.


November 1, 2023.
FOMC maintains 5.25 to 5.50% interest rates. Fixed rate for I-bonds increased from 0.9 to 1.3% today.


October 26, 2023.
Disappointing earnings send S&P to lowest level since May.


October 17, 2023.
In a recent memo, Howard Marks indicated investors should transition to a higher bond (and lower stock) allocation.


October 13, 2023.
The probability of a spot bitcoin ETF increased.


October 3, 2023.
It's a good time to start thinking about tax efficiency. Check out some tips from Vanguard.


September 27, 2023.
Stocks have historically done quite well during government shutdowns.


September 19, 2023.
Perspectives on China's struggling economy.


September 5, 2023.
A Vanguard analysis indicates US pure value should outperform growth over the coming decade.


August 28, 2023.
As far as PE ratios go, ex-US stocks look attractive. Checkout Figures 11 and 12 from this recent report.


August 22, 2023.
S&P downgrades 5 big banks.


August 8, 2023.
Americans' credit card debt grew nearly 5% in Q2, now exceeds $1 trillion. Household debt has surpassed $17 trillion.


August 2, 2023.
US credit rating drops to AA+.


July 24, 2023.
Here's a new discussion / analysis of inflation by Vanguard.


July 20, 2023.
US jobless claims don't indicate a recession, but home sales continue to fall.


July 9, 2023.
Fed policy is not too restrictive according to Joe Davis.


July 4, 2023.
Bitcoin exceeded $31k as the US SEC considers spot Bitcoin ETFs.


June 14, 2023.
Inflation for May 2023 was just 4% compared to May 2022. The Fed is not raising interest rates in June.


June 2, 2023.
The US market is very top heavy, five companies make up over a quarter of the S&P 500 market cap.


May 30, 2023.
Checkout 5 ways to invest in real estate.


May 11, 2023.
US treasury bills have recently auctioned at almost 6% for 4-weeks bills.


May 7, 2023.
Mcdonald's and Target executives claim consumers have reduced spending on high-priced items.


Apr 27, 2023.
Oaktree recently created a podcast. Some good wisdom from Howard Marks in there.


Apr 21, 2023.
Another potential example of Bitcoin market manipulation.


Older tweets