PinnedPeak-End TheoryIf the remembering self is how we view the life we’ve lived, then peak-end theory is what forms our impressions of how we felt in those lived experiences. Peak-end theory refers to how our memories are formed by the peaks and endings of our experiences. Whether we experience a high…Psychology3 min readPsychology3 min read
PinnedCredit Master CollectionA collection of all my stories related to credit, credit scores, and credit cards. Credit Card Reviews Chase Sapphire Preferred Review Chase Freedom Flex Review American Express Gold Review Amex Blue Cash Preferred Review Discover It Review Credit Score Resources Credit Scores, Why Care? Breaking Down Payment History Breaking Down Credit History Optimizing Credit History Breaking Down Credit UsageCredit1 min readCredit1 min read
Feb 18The Remembering Self & Its NemesisI first came across the concept of the experiencing self and the remembering self in “Thinking, Fast and Slow” by Daniel Kahneman. It struck me as being core to how we live our lives and has stuck with me ever since. This concept explained so clearly to me why I…Self Help3 min readSelf Help3 min read
Sep 9, 2022Stacking Discounts | Snowboarding EditionHighlighting the sheer absurdity of the financial ecosystem and my attempt to apply as many discounts as possible for this hefty purchase. TLDR; Always buy off-season If possible, time it with a holiday sale Purchase in bulk to qualify for any spend requirements, but don’t spend just to hit a milestone …Savings Tips5 min readSavings Tips5 min read
Sep 4, 2022US Crime: How do we rank?Before we even start getting into the nitty-gritty of why our crime stats look the way they do, we need to establish a baseline of where the US stands in terms of crime versus the rest of the world. Once we understand that, we can then place crime and associated…Crime6 min readCrime6 min read
Sep 4, 2022Discover It ReviewThe Discover It is a great card with a $100 signup bonus for those willing to keep track of its rotating rewards categories. Highlights: $100 bonus after making a purchase in the first 3 months Unlimited cashback match at the end of your first year 5% cash back in quarterly bonus…Credit Cards4 min readCredit Cards4 min read
Aug 6, 2022Chase Freedom Flex ReviewThe Chase Freedom Flex is a great card with a $200 signup bonus for those willing to keep track of its rotating rewards categories. Highlights: $200 bonus on $500 of spending in the first 3 months (40% back) +5% gas station cash back on up to $6,000 spent in the 1st…Credit Cards4 min readCredit Cards4 min read
Jul 29, 2022A Framework for Investments: Applied to iBondsI recently wrote about a simple framework for evaluating investments that considers pricing, cash flow, and financing. In addition, due to the current volatility of the stock market and elevated inflation, I’ve been a big proponent of iBonds. Let’s take another look at iBonds through the context of this framework. Pricing …Investment4 min readInvestment4 min read
Jul 23, 2022Chase Sapphire Preferred ReviewThe Chase Sapphire Preferred or CSP is a great travel rewards card even without the signup bonus and an amazing deal with it. Highlights: 60,000 bonus points on $4,000 of spend in the first 3 months Signup bonus is worth $750 due to 25% redemption bonus 5x travel (~6% cash back)…Credit Cards5 min readCredit Cards5 min read
Jul 22, 2022A Framework for InvestmentsWhen evaluating any sort of cash flow-generating asset or venture, we can use a simple framework to quickly determine its value and if it financially makes sense to invest. Or at the very least, model out more thoroughly. A confluence of three components needs to align for these investments to…Framework5 min readFramework5 min read
