Personal blog on early retirement, selling tradelines, and analytics projects. I write about what I learn as I am learning it.
“How many days in five months” is a very strange question to write a post about but I am learning about SEO (Search Engine Optimization). And using Ahrefs keyword research tool I found out the question is a very good keyword to target. At the end, I explain how to calculate it using Excel (or any spreadsheet).
This is what Google tells us:
The premise of “Die with Zero” sounds provocative: Bill Perkins argues you should plan to spend all your money before you die, optimizing for maximum life experiences rather than maximum wealth at death. Not “die debt-free” — that’s a different book. Perkins is talking about people who will almost certainly die with millions in unspent savings because they never gave themselves permission to spend it on things that actually mattered while they were healthy enough to enjoy them. The title is deliberately extreme. The actual argument is more nuanced than it sounds.
I picked it up because I’m interested in the other end of the FIRE question — not just how to achieve financial independence, but what to actually do with it.
The question I get from buyers is usually some version of: does it matter which tradeline company you go with? Or is a tradeline a tradeline? The company matters less than the card — specifically which issuer it’s from, how old it is, and what the limit is. Those are the three things that determine how much an authorized user tradeline actually moves your score, and they’re the variables most buyers don’t dig into before purchasing. If you’re wondering whether you can pay to be an authorized user on someone else’s account, the short answer is yes — and it’s a common way to build credit quickly.
Continue reading “Authorized User Tradelines: How They Work”
Linear programming is a mathematical method that is used to optimize the allocation of resources. It can be applied to a wide range of problems, such as maximizing profits or minimizing costs. One of the key concepts in linear programming is the shadow price, which can be used to determine how a change in one of the constraints of a linear programming problem affects the optimal solution.
Fair warning: I wrote this post after a genuinely frustrating afternoon dealing with Vanguard. I’ve kept it up because the complaints are real and I still hear them constantly from other investors. Take the title at face value—it’s rant-y—but stay for the part where I acknowledge what they actually do well, because that part is also true.
Continue reading “Vanguard Sucks”