Tag: financial independence

Counting The Marbles

The personal finance blogging world is filled with three categories of people who put out good content: A)  People who are open about both their net worth and their identity.   They track their net worth vigorously and update frequently.   They also post their pictures and their family’s including their travelogues.   These blogs […]

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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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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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Seek Independence From Money Prison

What an oddly-titled article from this website, right?  Trust me, it will make sense.  Read on… Does money drive your life?  It may sound ironic hearing this from a guy who has a monetary target to achieve, firmly planted on the name of this website.  But it is true.   Truth be told, I put up that big, hairy, audacious goal (BHAG) […]

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Stay Humble and Kind

The journey of life is long, complicated and is never a straight path.  Same applies to our financial journey as well, as finances mirror our lifestyle and choices.   So, we must stay humble and kind. The elegance of steadily compounding financial returns are merely that…just elegant.    It’s funny we model financial portfolio growth using […]

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Stress-test Your Financial Independence

Loss aversion defines much of human behavior.  We are so worried about the prospect of loss, that many studies show that finding $100 doesn’t give the same joy to offset the pain of losing $100.  Some say, it takes as much as gaining $200 to offset the loss of $100.  In other words, a loss feels twice as painful than a gain […]

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A Better Way to Track Wealth

My past article on tracking your progress has a simple calculator where you can track whether you are accumulating wealth at a sufficient rate to achieve financial independence.  This was based on a formula shared by Dr. Thomas Stanley in his excellent and meticulous research in his book “The Millionaire Next Door”.  This book demystified how […]

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