A blog about college, investing, cooking, psychology, saving money and general life concepts.
Ever noticed how the price of something seems to be more affordable today than it will be in the future? Or how receiving money now feels like a bigger win than getting the same amount later? This is where the concept of time value of money (TVM) comes into play. It's a cornerstone of finance... Continue Reading →
Ever spent money on a movie ticket only to find out halfway through that it’s not what you expected? But instead of leaving, you stick around, hoping it’ll get better because you’ve already paid for the ticket. That feeling of not wanting to "waste" your money, even when it’s clear the movie isn’t worth it,... Continue Reading →
Have you ever found yourself thinking that you know exactly which stock is going to skyrocket next, or how the market will move in the coming months? That feeling of certainty about your financial decisions, even when there’s no solid evidence, is called overconfidence bias, and it's one of the most common traps investors fall... Continue Reading →
Ever notice how when everyone’s buying the latest gadget or investing in a hot new stock, you feel almost compelled to join in? It’s like there’s an invisible force pushing us to follow the crowd, even when we know better. This phenomenon is called herd mentality, and it plays a massive role in both our... Continue Reading →
Ever notice how losing $100 feels way worse than winning $100 feels good? In fact, research shows that losses are about twice as painful as gains are pleasurable. This is called loss aversion, a concept from behavioral economics that explains why we avoid losses at almost any cost, even when it means passing up on... Continue Reading →
When it comes to money, investing, and financial decisions, we like to believe we’re making choices based on logic and reason. But in reality, our brains are wired to take shortcuts. These shortcuts, known as cognitive biases, shape how we think, feel, and ultimately act, often without us even realizing it. And when it comes... Continue Reading →
What Is Opportunity Cost? Imagine you’re sitting at home, trying to decide what to do with your Saturday. You’ve got two options: Option A: Go out with your friends to the park and enjoy a fun, relaxing day. Option B: Stay in and work on that side project you’ve been putting off, knowing it could... Continue Reading →
What is Inflation? Before we get into how inflation affects the value of assets, let's start with the basics: What is inflation? Inflation is when the prices of goods and services rise over time, which means your money doesn’t stretch as far as it used to. For example, if a loaf of bread costs $1... Continue Reading →
Introduction: ROI—What Does It Mean? Before we jump into the comparison, let’s clarify what ROI means. Return on Investment (ROI) is a performance measure used to evaluate the efficiency or profitability of an investment. It's calculated by dividing the gain (or loss) from an investment by the initial cost and then multiplying by 100 to... Continue Reading →
What Are Productive Assets? Imagine you’re planting seeds to grow a garden. Some seeds will give you flowers or fruit that you can enjoy today, but others will grow into plants that keep giving you produce over and over again, year after year. Productive assets are like those plants that keep giving you something of... Continue Reading →
