Category: Finance
The Nasdaq Thing Everyone Talks About But Nobody Really Explains
My brother called me last month. He’d just put some money into what he kept calling “Nasdaq stocks” and wanted…
What is an IPO in the Stock Market?
My coworker Brian wouldn’t shut up about Circle stock back in June. He’d bought shares the day they went public…
What is Cost of Debt Formula
Jake phoned me six months after starting his roofing business. “This loan’s killing me, man.” “What’d you expect? You knew…
How to Calculate Dividend Payout Ratio?
So there I was, staring at a $47.82 check from some utility stock my father had talked me into. “Great…
What Is An IUL? Someone Finally Explains This Mess
My buddy Steve called me three weeks ago, all excited because his insurance guy showed him this fabulous “can’t lose”…
Credit Rating vs. Credit Score – I Learned the Hard Way These Aren’t the Same Thing
So last month I’m at the bank trying to get a loan for a car, and the loan officer said,…
Accrual Accounting vs Cash Accounting: What My CPA Never Told Me Until Tax Season
Three years ago, I started my freelance consulting business in my basement. Super excited, making good money, like a real…
Credit Cards Explained: What My Uncle Learned the Hard Way
When my uncle got his first credit card in ‘89, he was over the moon. He thought he’d hit the…
Top Dividend Stocks for 2026 (Without the Empty Promises)
My neighbor Chuck retired three years ago with a portfolio that gives him about $3,000 per month in dividends. Not…