by Stoffel | Aug 14, 2025 | Investing, Wealth
Introduction First published in 2018, Mastering the Market Cycle: Getting the Odds on Your Side is Howard Marks’s meditation on why financial markets ebb and flow. Marks, the co‑founder of Oaktree Capital Management and a respected investment memo writer, argues that...
by Stoffel | Aug 7, 2025 | Financial Literacy
Introduction For most people, income is easy to track. Your salary gets deposited once or twice a month, and you can see the number in your bank account. But when it comes to expenses – the money going out – many of us are flying blind. It’s not uncommon...
by Stoffel | Jul 31, 2025 | Investing, Risk Premia
Investing in Real Estate Without Buying a House: A Guide to REITs Real estate is one of the oldest and most familiar asset classes but for most retail investors, buying physical property is out of reach. It requires large capital outlays, ongoing maintenance, and...
by Stoffel | Jul 24, 2025 | ETF, Investing
Introduction If you’re new to investing, placing an order might seem simple. Just click “buy” and you’re done. But once you peek under the hood of a brokerage platform like Interactive Brokers, you’ll discover a different reality: dozens and dozens of order...
by Stoffel | Jun 26, 2025 | Financial Literacy
Introduction Despite over a decade of schooling, many young adults graduate without knowing how to budget, save, or handle credit. Basic financial skills – arguably as essential as math or reading – are largely missing from formal education. The results are telling:...
