How to Earn 21% on Your Money with No Risk and Full Liquidity

There’s no such thing as a free lunch.
Nobody has pensions anymore.
Treasuries aren’t what they used to be.
It seems that in 2018 nothing is guaranteed anymore. Especially when it comes to your money.
That’s why I was even more excited to learn about an easy way to earn quick, unparalleled returns while maintaining full access to my cash. And while it’s not exactly a new trend, it has become a side hobby of mine.
I can sum it up in 2 words:

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Do You Know “The Market”? Can You Beat It?

The highest return for the same risk. Or the lowest risk for the same return. These things are what we all chase.

We are always looking to optimize our risk-to-return ratio. As Tony Robbins would put it, we are searching for asymmetric risk-reward.

“Beating the Market” is a common theme across personal finance books, and implied by money managers everywhere. But what does it mean?

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My Money Manifesto

What follows is my personal philosophy on money and materiality. Really, it’s about way more than money.

This piece is something I wrote for myself a while back in a moment of clarity, and I’m so thankful that I had the opportunity to document some of the thoughts that were flying through my head that day.

It has provided me with critical perspectives on life, money, and achievement. I hope some part of it helps you as well.

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Best Personal Finance and Investing Books

As we approach a new year, I wanted to share a few of the books which shaped my perspective on money and inspired me to turn my life around after going broke in Las Vegas. Maybe you or someone you know could benefit from a fresh view on money or personal finance, or maybe a refresher for a new start in 2018. Regardless, here I’ve compiled some of my favorites.

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This is How Expensive Daycare Can Be

I am a proud parent of a 2 year-old boy. My life completely changed whenever my wife and I had our son, and now I can’t imagine coming home from work and not see him running to give me a hug and hollering for daddy. It’s truly a highlight of my day.

As much as I love being a parent, I acknowledge how crossing that milestone in your life can put a whole new bind on your finances.

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How to Get a Better Job Title

“Controller” is a weird job title.

If you are familiar with the finance and accounting industry, you know it generally refers to a high-level accounting position, often the head accounting person reporting directly to a company’s CFO.

I always thought that somebody unfamiliar with the job title might find it odd. What exactly are you controlling in the company? Everything? 

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7 Things FICO Won’t Tell You About Your Credit Score (Plus How To Improve It)

I used to be obsessed with conspiracy theories. Some personal favorites of mine are anything about the Denver International Airport, the Bermuda Triangle, or Area 51.

If you’ve ever started down the path of reading or discussing a conspiracy theory, you probably know how easy it is to begin believing and finding evidence everywhere to support it. This is why conspiracy theories can go viral, along with the fact that they are spectacular or outrageous to the point of commanding attention.

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Do You Know Your TRUE Return?

As an accountant, I work with financial statements every day.

I spend a lot of time reviewing P&L’s and balance sheets. And when I signed up for Mint and connected all my accounts, I was pleased (nerdy, I know) to find a sort of “personal balance sheet” which is really the software showing your Net Worth figure.

I didn’t realize until years later that the most important way to track my progress wasn’t as easy to see.

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