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Angel Investing: The Devil is in the Details

As you move up the career and net worth ladder, you will be presented with opportunities from generally well-meaning friends, colleagues and aquaintances about the exciting world of ‘angel investing’.   You probably already heard the words before and perhaps even imagined fantasy visions of getting a mouth-watering 100x or 1000x returns from picking the next Google, […]

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College Costs in Decline? Seriously?

In the world of deception, there are lies, damned lies and statistics – in that order (as Mark Twain said).   What makes statistics so dangerous is that it often comes under the garb of “data” but is subject to all sorts of cognitive biases. Recently, The Wall Street Journal (WSJ) published an article – […]

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Pursuit of Happiness

There are many immortal words in the U.S. constitution.   This country was formed on the bedrock principles of guaranteeing all its people life, liberty and the pursuit of happiness.  Any civil society or even the most progressive government can only guarantee life and liberty but not happiness.   Happiness is an entirely personal and internal feeling, […]

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(Un)Real Estate – part 2 of 2

This is a continuation from Part 1, which generated some controversy as I expected.  If you came here straight, please read that post prior to continuing here.   Points 1 -7 are covered in the previous post.   There are some thought-provoking points in this 2-part series.  Think and be aware before blindly buying into any real estate ‘investment’. “We […]

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(Un)Real Estate – part 1 of 2

Quite some time ago, I received an interesting email from an ‘insider’ in the real estate finance industry.  His mail is in line with my views on real estate as an investment, but with some disagreements.  I have largely reproduced it here with only some edits to be relevant to the present scenario.  If you are already financially […]

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Dividends: An Apple with an Orange Tastes Better than Two Apples

I have made no secret of the fact that I like both index investing and dividend growth investing, and use both to build my passive income and net worth.  My series comparing the two can be found here.   For international investing, I prefer indexing and ETFs mainly because of inconsistent disclosure norms, accounting standards and investor […]

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Investing: Get The Most Bang For Your Buck

Efficiency is beautiful.  Nature gives us so many examples.  Out of the millions of sperm that try and enter the fallopian tube, only one finally enters the egg.  The moment it does, the door is shut for all others around it. No matter how many millions of sperm try, only one can enter.  The fertilized human egg […]

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Cost of Consensus in Financial Independence

“You pay a heavy price in the market for a cheery consensus” says the Oracle of Omaha, Warren Buffett.   The nature of human mind to seek out favorable facts, approvals and confirmations in support of what we already want to believe is called confirmation bias.   By nature, most of us have a strong confirmation bias because we […]

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Ten Factorial Rocks – First Birthday!

Hi All, I am happy to share with you that today, Ten Factorial Rocks (TFR) is officially one year old!  Exactly one year ago today, inspired after a long morning walk, I started this oddly-named website.  The idea itself had been germinating for long, after years of being on the receiving end of frustratingly bad information from mainstream media and also, dealing with […]

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Moving Somewhere To Retire? Don’t Kid Yourself!

The Internet is open to all but is also home to many cozy bubbles that distort reality.  It is easy to extrapolate a very specialized, rare thing to a much broader population just because you spend a lot of time within a small group who believes in that thing, talks about it a lot, plans to […]

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