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| Jan 23, 2024 | » | If You Can: How Millennials Can Get Rich Slowly
6 min; updated Feb 28, 2026
The Game PlanSave at least 15% of your salary from age 25 into a 401(k) plan, an IRA, or a taxable account. Put equal amounts of that 15% into three buckets:
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| Dec 24, 2019 | » | Investing in Kenya
15 min; updated Aug 8, 2025
Areas to ConsiderCapital MarketsThe Central Depository and Settlement Corporation (CDSC) runs the Central Depository System (CDS) that facilitates holding and trading of shares at the Nairobi Stock Exchange (NSE). A Central Depository Agent (CDA) is a Stockbroker, an Investment Bank, or a Custodian Bank, who has been authorized by the CDSC to open accounts in CDS on behalf of investors. In 2006, an Automatic Trading System was introduced so that orders are matched automatically and executed by stockbrokers on a first-come first-served basis. Government bonds have also been added to the ATS. Securities lending, short-selling and same day turnaround trades are not yet permitted. ... |
| Aug 19, 2023 | » | Employee Stock Purchase Plan (ESPP)
4 min; updated Aug 20, 2023
MSFT offers an ESPP, in which employees can buy MSFT stock at a 10% discount.
There is a cap Selling the ESPP stock within the same year seems unwise because of short-term capital gains tax. That said, holding them increases exposure to MSFT (if MSFT does poorly, that affects one’s bonuses, and sometimes livelihood). ... |
| Dec 21, 2021 | » | We The Consumers
5 min; updated Sep 5, 2022
Product Differentiation and Price DiscriminationProduct differentiation seeks to distinguish a product from a competing product to make it more attractive to a specific target market. Price discrimination occurs when the same goods/services are sold at different prices from the same company. |
A lot of the conventional advice mentions S&P 500 instead of a total stock market index. Maybe that’s because of the brand name? Fidelity’s total stock market index has netted 13.80% in its lifetime compared to its S&P 500 tracker’s 14.81% .
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