I was asked the following interesting question: "if you could give personal finance advice to your 20-year old self, what would it be?" My answer is: be aware of your habits, and aim to create good ones.
Note that this section of the website is not particularly active; I hope to publish about one personal finance article per month.
Wednesday, July 22, 2015
Thursday, June 18, 2015
Understanding Government Finance without spending much on tools. The cost associated with self-publishing come from hiring outside talent for cover design and editing, which cannot be avoided.
Friday, May 22, 2015
Wednesday, April 29, 2015
This investor has been overweighting U.S. stocks and bonds" by Larry MacDonald. Larry writes articles featuring the investment style of various investors for their personal portfolios. In it, I mentioned what I call "passive macro" investing.
Sunday, December 21, 2014
Friday, November 21, 2014
In Investing From The Top Down: A Macro Approach To Capital Markets, Anthony Crescenzi lays out the case for "macro" investing. Instead of trying to pick securities by scouring over company reports, one looks at the trends in the macro economy and markets. The advantage of this approach is that it requires less of a time commitment, and if one is successful, it will be easier to sidestep crises that are blundered into by those who myopically focus on what is happening to particular companies. Although billed as being useful for institutional as well as retail investors, it is not too complex and so I view the true audience as being retail investors or people who have entered finance without a background in economics.
Wednesday, September 3, 2014
Resource limits hang over the long-term outlook for societies - often summarised as "Peak Oil" or "Peak Food". In order to make a personal finance plan, it is a factor that ought to be taken into account. Unlike other macroeconomic trends, how you structure your portfolio probably matters less than how you structure your spending. This article provide a high level summary of my views on this topic, which will filled out in later posts. Correspondingly, I will give the justification for these arguments in later article.