All-In-One Banking: Fidelity Cash Management vs Traditional Bank Accounts
Stephen Read2026-05-02T23:08:03-05:00Last month, I watched three friends’ eyes light up, and then widen, when they realized
Last month, I watched three friends’ eyes light up, and then widen, when they realized
Status Quo Bias is our tendency to prefer things to stay the way they are,
Lately, I’ve found myself devoting more hours than ever to social media platforms like Facebook,
Is the credit card the cigarette of the stacker’s world? Dave Ramsey certainly thinks so.
Have you ever felt a sour taste in your mouth after listening to someone's financial
Why I hate to be a “Sell Out” Selling something you love, even when it
Why settle for 0.01% on your savings when you can do better? At today’s
Reducing Regional and Political Risk in Your Investments: Overcoming the Backfire Effect When it comes to
Imagine sitting on the edge of a dock gazing across a dark blue ocean. Each wave
What Financial Independence is to me now is watching my wife find joy in volunteering
The Cost of Comfort - 8 Examples of Ambiguity Bias In Our Financial Decisions Ambiguity
As a dedicated saver turned professional investor, I’ve come to recognize the importance of making
Adverse Selection Bias is when one person in a transaction has more information than the
A Two-Decade Reflection on Happiness and the Age Positivity Effect As I reflect on my
Imagine strolling through your favorite supermarket on a Sunday evening after finishing a game of
529 plans haven't received much love from me in the past, mainly because they don't compete
It’s not often I get that lump in my stomach but yesterday it happened. Assertio Holdings,
Our 2023-2026 top credit card picks for savers were dominated by our long time favorites Citi
At HIT Capital, our stock picking process begins with filling the top of the funnel
When reviewing the stock market to gain insights into the future I prefer to use two
This summer, while I was back on the farm reminiscing about childhood with my family,
Have you ever dreamed of what you would do if you had too much money?
We learned in the last post on the Dunning Kruger Effect that our knowledge does not
A little over a year ago, if you would have asked me about a European war,
I was watching the baseball world series back in Oct of 2005 with some college buddies
My Alternative to Expensive Insurance When reviewing health share plans we were drawn to Samaritan,
“Who is your health insurance through?” “What do you mean you don’t have health insurance?” “Your
In my last blog post I addressed what action bias is, and why we, as humans,
Have you ever been stuck in traffic and found yourself honking the horn, waving your
In my last post, I connected an increase in anxiety with the additional choices and
Sarah and my financial independence dream was coming to fruition and it was inevitable we were
Severance Update In my last post, “No Power, No Water, No Heat, No Severance'' we were
It is 8:30 am on Wednesday, day 3 of a 6-day cold spell across Texas. We
In August 2020, Sarah and I met our financial goals. We reached “enough” and will begin
My sister shared the following riddle based on implicit bias with me last week. If you
Do you think you are a better driver than your friends? Is common sense ingrained
2019 was a lifestyle altering year where I committed to bike more than I drive. The
Have you ever been sold on something too good to be true? Just recently I made
Christmas and the gift-giving season is usually here faster than we expect. As you begin shopping
In my last post on Peer to Peer (P2P) Lending, I spoke about how we need
Death and Disability - What’s in your future and should you buy insurance? I have a
As our domestic stock market has become expensive, we continue to look for something better. One
When I first wrote about the mental model for purchases I did not imagine that my
The golden age of investing is here. The internet, discount brokerages, and free index funds have
One of the many benefits of writing a blog is the challenge of organizing your thoughts
I loaded up our HIT Investments fire box and got the research train rolling. Aggregating data from 14 fixed income classes, ranging from international high yield bonds to domestic short-term treasuries, was like shoveling coal: difficult, but necessary.
The illusion of control bias is the tendency for people to think that they have more
Financial innovation has opened a new and more efficient avenue to connect investors with borrowers. One of the technologies evolving since the mid 2000's has been the Peer to Peer (P2P) marketplace. Since their inception a decade ago they have grown from $0 to $54 Billion.
When studying finance in preparation for the Series 65 exam there was an emphasis on specific
The day after our home flooded, I went back for a few essentials that did not make
This year has been full of firsts. It was the first year we started as a
As Hurricane Harvey began to move East so did the waters gathered in the reservoirs North and West of our home. After 4 days of torrential downpour the hurricane had moved on. The sun was shining. Then we fl......
As the kids go down for a nap and the waters begin to stabilize I gather
We all put off unpleasant tasks. In surveys 95% of all people admit to procrastinating, with
1. Happiness The overarching reason why we want to become debt free is that it can
A burger and a slice of cheese together cost $1.10. The burger costs a dollar more
Benjamin Graham, the forefather of fundamental value investing once taught Warren Buffett, “Price is what you
We have many behavioral biases and the latest data shows that “home bias” is one of
With the shopping season upon us, let me introduce you to one of HIT Investments’ favorite
The steady stream of questions and comments from interested readers has led me to the creation
Our natural human condition is to know and communicate the price of a product while ignoring
Loss aversion refers to our tendency to strongly prefer avoiding losses over acquiring gains. This behavior
Warren Buffett and Charlie Munger, possibly the most successful investors of our time, have regularly
While your savings rate gets you to the playoffs (the race for retirement), making it
If you are even remotely thinking about retirement, our guess is that you have heard a
Global oil production has been outpacing demand for over two years. This oversupply has pushed oil
In the last newsletter we discussed a few of the inherent consequences of dividends. This article
Businesses should consider the objectives of their shareholders like you and me. After all, we are
Living below your means is an essential step in your path to financial freedom. However,
We'll begin with a telling quote about investment cost. “Whether markets are efficient or inefficient, investors
“Compound interest is the eighth wonder of the world. He who understands it, earns it ...
Why am I investing? What is my Time Horizon? What is my Risk? What is my
Liquidity is the ability to quickly convert your investment into cash with little or no loss
If you are one of the 947 companies that rely on us (taxpayers) for a free
This week we will continue on the path to knowing your investment goals by discussing what
Maybe you're thinking of going on a huge shopping spree or perhaps, it's the holiday season
The next chapter in the investment fund series is "Know your investment goals". I'll take you
Mutual funds may not have the same pizazz as choosing your own stocks but they do
You've probably heard someone say it before but what are investment funds, really? An Investment fund is
When investing in your retirement one of the questions you’ll need to answer is.... Should I
ETFs or Mutual Funds? Exchange Traded Funds (ETF) and Mutual Funds (MF) are investment vehicles that
“The rich rule over the poor, and the borrower is a slave to the lender.”
Christmas and the gift giving season is usually here faster than we expect. As you begin
