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What are the Dangers of Investing in the Stock Market?
When people try to explain the dangers of markets, they use works like “risk,” “volatility,” and “time horizon.” Compliance offices love those words. They sound tame, despite the fact that they don’t really do justice to the underlying message that actually answers the question of what …
Learn MoreIs college a good investment?
To most people in the United States, a college degree is something that seems totally unaffordable. The median household income in the United States in 2017 was $61,372, according to the Census Bureau, while the average cost for private universities for the 2018-2019…
Learn MoreHow much should I pay back on my credit card each month?
So you’ve got $10,000 in credit card debt. And let’s also hypothesize that the interest rate on that balance is 20% per year. So right off the bat, if your balance stays exactly where it is, you’re going to owe $2,000 in interest over the course of the year. But that also assumes that …
Learn MoreWhen do I need to write out a last will?
When asking the question of when you should do anything, the first thing you need to ask yourself is what it is that you’re really doing, and then if that is going to materially improve any aspect of your life as a result of that action. So let’s look at the case of creating a last will and…
Learn MoreHow do I build a budget?
A budget is a relatively simple tool – you track money that you earn in the form of income, you track money you spend in the form of expenses, and you try to maintain a desired level of cash flow. Income minus expenses equals that cash flow, and if you do it right, hopefully …
Learn More- Credit Card Basics
- Zodda Zone
- Home Buying Basics
- Budgeting
- Stock Market Basics
- Costs of College
- Retirement Account Types
- Business Ownership
- Tax Basics
- Basic Legal Documents
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The Illusion of Innovation
Whenever a company is involved in a lawsuit, there are two really basic questions to ask: What is being asked of them, and why do they not want to do it? Last week, Uber and Lyft lost a court ruling in California that imposed a preliminary injunction requiring them to reclassify their drivers …
Flashing Lights and Sounds
What’s the first story you remember? Not the first one that flashes through your mind — rather your first memory of knowing that you knew a story and could retell it to another person? For me, it’s Top Gun. I was four years old when I first watched the movie. Before you judge my parents…
Regrets Are Worthless
I’m not the first person to discuss the opening scene from “The Wire”. It’s well-traveled ground – Detective McNulty is interviewing a witness about the murder of Snot Boogie, and the witness mentions that Snot had a nasty habit of stealing the pot from the week’s craps game in the alley…
Contract Tracing
The social contract is one of the foundational principles in political theory. In short, it states that we choose to give up some of our freedoms to the state in exchange so the state can protect us and our rights from external threats. What are some examples of this? We require the state to license…
What Happens When Nothing Happens?
What happens when nothing happens? I can’t claim to be the originator of this question. It comes from the subtitle of the first part of the fourth chapter of The Order of Time by physicist Carlo Rovelli. In the book, Rovelli is interested in dismantling our preconceived …
What are the Dangers of Investing in the Stock Market?
When people try to explain the dangers of markets, they use works like “risk,” “volatility,” and “time horizon.” Compliance offices love those words. They sound tame, despite the fact that they don’t really do justice to the underlying message that actually answers the question of what …
How much money should I have in an emergency fund?
When it comes to personal finance, I think this question is the one that has the most diverse array of answers out there, depending on who you talk to. There really doesn’t seem to be any consensus as to how big an emergency fund should be. There are all kinds of …
Investment Glossary – Corporate Tax Rate
Hopefully you came here because you looked at a basic description of what an income tax is. If you already feel you have a good understanding of what income taxes are and how they function, then this is the next step in understanding how to determine how much you owe …
How do I incorporate a business?
The question of how to incorporate a business is a good one to ask if you’re an aspiring entrepreneur looking to start up your next venture, or if you’re someone just looking to make some extra money on the side by mowing lawns or selling homemade brownies. But to be honest …
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Buy a Home
Get Schooled on College Savings Plans Michael Armstrong Partner and Financial Advisor, Armstrong Advisory Group A lot of parents start obsessing over the line.
Buy a Home
Get Schooled on College Savings Plans Michael Armstrong Partner and Financial Advisor, Armstrong Advisory Group A lot of parents start obsessing over the line.
Buy a Home
Get Schooled on College Savings Plans Michael Armstrong Partner and Financial Advisor, Armstrong Advisory Group A lot of parents start obsessing over the line.
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