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Economics

Which is worse: fees or expenses

A calculation that shows fees have a greater impact on return than one time costs despite the fact the expense fees are very small.

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Pope's Encyclical for 2016

I have found it quite a challenge while shopping to choose products that are ethical, healthy and sustainable. For one, it's hard to remember everything and second the information is not always available. I can improve the second by picking places to shop that list this type of information and hopefully this entry will help me wrap my head around the first.

The Pope's Encyclical Letter

The Pope was released an ENCYCLICAL LETTER to the public regarding the document. It's generated a lot of press coverage and I find myself quite moved by it. The language is beautiful and the arguments are quite sound. I have yet to read the full version (saving for my next long flight) but I jotted down some notes.

Can You Run Your Life Like A Business?

Introduction
I have organized and executed the details of my daily life for some time now much like you would run a business. This didn't occur suddenly but has slowly evolved over time mostly by the necessity of maintaining my responsibilities and a desire to accomplish my life goals in a timely manner.

I've often debated the pros and cons of this system but I've concluded that it is better than having no system at all.

Pros:

Mortgage Estimates

I signed up for a seminar for those interested in purchasing their first home. I've seen my coworkers attempt a number of different strategies: buying a condo, buying a home and investing out of state. Let's see how those strategies stack up. Note: Income and expenses were estimated with a single individual making $100k/yr. I also used a pretty healthy down payment as most of my coworkers are a) in their 30s and b) have had ~10 years of professional work experience that includes stock options. This does not reflect my income or savings, which may be higher or lower.

A Better Way to Shop

I have been shopping online for many years now and I was thinking about the things I buy online and the things I buy in the store. Sometimes I buy things in the store because I sought advice and other times I buy online because the price was just too good. But with services like Zappos, Amazon Fresh and Google Shopping Express I am beginning to wonder if there is a future left for brick and mortar retailers. This way of shopping is going to usher in a shift in the way we shop and buy goods. How can retailers compete?

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