I am a strong proponent of term life insurance.
In this post, I go against the common wisdom of 'getting your money back'1 and refute common arguments for whole life insurance. I propose, and defend, my recommendation to buy term life + critical illness coverage.
This is my current portfolio allocation as of 2/6/21.
There are approximately 41,000 listed companies around the world. This number doesn't even begin to include the even larger market of derivatives based on these companies.
With so many choices, how do people decide what asset classes to buy, and how many % to allocate to each?
Why not just put everything in stocks (e.g. the S&P 500)?
To answer this question, we need to understand volatility, risk and diversification.
You may also want to read about my investment portfolio.
In this post, I give a brief introduction to the world of investments. Do check out my other post on asset allocation - i.e. exactly what assets to buy and why.
I'm a big fan of non-nutritive sweeteners, aka zero calorie sweeteners. Sugar has been getting a very bad rep, especially among the medical community. It increase the risk of dying from heart disease by up to 38%, causes cancer and tooth decay (we've all been told that from young!). So when I heard about alternatives to sugar, I began researching.
When the SSL certificate (provisioned by Github automatically for the custom domain you specified, via Let's Encrypt) expired on 18/12/20, I started getting errors from Cloudflare.
Looking deeper, I realized Github was having trouble provisioning the SSL certificate.
The solution was to disable Cloudflare proxying. Upon doing so, I was able to get an SSL certificate provisioned for the root domain, nicholaslyz.com.
A list of finance-related books I have read/plan to read, collected over the years.
Random notes on IEMs I've tried.