My strong belief is that the best investing strategy is to pick a total stock market index fund, setup monthly contributions, and only look at it to increase your regular contributions. Two of the best total stock market funds are Fidelity ZERO Total Market Index Fund (FZROX) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), but how do you choose between the two funds? The good news is that you can’t really make a wrong choice because the differences between the two are small. …


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The Supreme Court was designed to be the forgotten branch of government. The Founders would have been happy if the average American didn’t know the individual Justices or their political leanings. For the majority of our nation’s history the Founder’s system was successful. However, that has all changed in recent history as fights over Supreme Court Justices have become among the most partisan battles in politics today. To honor the Founders, America must rebuild a barrier around the Supreme Court which separates their decisions from the influence and political games of our two-party system. The best way to do this…


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Complaints about corporations are not misplaced. Corporations in the U.S. are designed to give a small group of mostly rich, white, and overwhelmingly male executives most of the decision making power over America’s companies. Many board members are current or former executives of other companies, making board members a close-knit group of likeminded individuals. These board members see their duty as safeguarding and maximizing returns to shareholders by either increasing the value of the stock or returning a dividend. The focus on profit relegates the company’s workers, the environment, human rights, and even business decisions that ensure the long-term success…


The Stock Market Recovery Since Pandemic Low

This has been a crazy year for the stock market. In January and February, most investors did not take the reports of a new virus in Asia seriously and kept pouring money into the stock market, with the market reaching all time highs in late February. Very few investors bet that the virus would spread and shorted the market (also a few Senators with top secret briefings sold their stocks). But in March, when the virus started spreading in the U.S., stock markets overreacted and people anxiously pulled out more of their money from the market than was necessary. While…


Snapshot of Stock Market

Those fortunate enough to still have disposable income and are interested in investing should pay attention to this adage; investing during times of turmoil is like trying to catch a falling knife. However, there are still smart ways to invest during turmoil and I’ll sum up everything this article says in one sentence — the best investing strategy during a crisis is the same best investing strategy when there is not a crisis. Find an index fund, setup monthly contributions, and stick with those contributions regardless of what the market is doing. I don’t recommend investing all your savings in…


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There is an immense amount of value in the U.S. stock markets. U.S. stocks are worth more than $17 trillion dollars, even more incredibly the World Bank estimates that $35 trillion is traded on U.S. stock markets every year. But despite all of the money trading hands, the U.S. government receives only $350 billion annually from capital gains taxes, meaning that on average the U.S. government only has a 1% tax rate on stock trades.

If most stocks are owned by the super wealthy and they have a 20% capital gains rate, how can the Federal Government get so little…


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At a China Summit in the fall of 2019, Jack Ma and Elon Musk discussed their contradicting views on the future of artificial intelligence (AI). It was interesting discussion and I recommend watching it. In the talk, Musk lays out his fears that AI will quickly accelerate to push humans out of the way, a real-life Terminator. While Ma believes that AI will improve the human way of life and cause a quantum leap in human productivity to the point where we can all cut the number of hours we work while maintaining our lifestyles. …


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Advancements in health, leading to the extension of the human lifespan, are prime for the next big leap in human advancement. The past hundred years saw the technological boom, where humans went from pen and paper to screen and tablet. Now we are on the edge of human’s ability to engineer genes and download our brains onto computers. With CRISPR offering the possibility to edit human genes, it’s even possible that someday humans will stop aging all together. Within the next hundred years we may be able to pick an age and stay there; grandparents, children, and grandchildren all enjoying…


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Universal Basic Income proposals being hailed as socialist, or even communistic, by conservative politicians and news media fail to recognize that such programs already exist and are highly successful. For instance, Alaska has the smallest income inequality in the country and it’s largely because the Alaska Permanent Fund sends a yearly check to every man, woman, and child that is a citizen of the state. Even if you don’t pay any taxes, work, or contribute to society you get a check all the same.

Alaska may seem like a libertarian paradise with no income tax and a government that gives…


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There are many advantages of owning stocks, but a lesser-known benefit is that you can deduct up to $3,000 in investment losses from your ordinary income (a.k.a. salary) if your capital losses exceed your capital gains.

Trekking

Reality is merely an illusion, albeit a very persistent one. — Albert Einstein

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