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Cade Hildreth

Investing vs Speculating? Why You Need to Know the Difference

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Over the years, the term ‘investment’ has become widely thrown about. It’s meaning has been co-opted to describe everything from putting your money into a hail Mary, high-risk cryptocurrency to a long term investment in real estate.

However, there’s a big difference between investing versus speculating. [Read more…] about Investing vs Speculating? Why You Need to Know the Difference

IRR vs. ARR: What’s the Difference?

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Key Takeaways

  • ARR is  formula that calculates the annual percentage rate of return expected from an investment, compared to its initial cost.
  • ARR is a simple calculation that can be done on the back of a napkin.
  • IRR is a more complex equation that is best calculated with a spreadsheet or calculator.
  • IRR stands for Internal Rate of Return. It lets you estimate the future profitability of potential investments.
  • IRR lets you factor in the time value of money, which ARR does not.
  • IRR is preferable if you won’t earn cash flow from an investment evenly over time.

[Read more…] about IRR vs. ARR: What’s the Difference?

How To Sell Your Primary Residence And Not Pay Taxes On The Profit

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Real estate is a great investment, and selling your home could net you a hefty profit. However, that large profit can mean a big tax bill, which can reduce the amount you get to pocket from the sale. It may also dampen your plans to move to a new location.

Fortunately, there are critical moves you can do to reduce the taxes you owe when you sell your primary residence.
[Read more…] about How To Sell Your Primary Residence And Not Pay Taxes On The Profit

Does the Y Chromosome Create a Sex Binary? Science Says No.

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Key Takeaways:

  • The presence of a Y chromosome does not make someone male, because it is not the Y chromosome but the genes it often (but not always) contains that influence male sexual development.
  • When the genes encoding male sexual development cross-over to an X chromosome, you get XX (“chromosomally female”) individuals who proceed along male developmental pathways.
  • When the genes encoding male sexual development mutate or are deleted, you get XY (“chromosomally male”) individuals who proceeds along female developmental pathways.
  • All of the sex chromosome sets (including XX and XY) can mix-and-match with other sexual characteristics—such as genitals, gonads, and secondary sexual characteristics—to create a mosaic of sexual traits. 
  • The International Olympic Committee (IOC) determined in 1999 that the Y chromosome was “inconclusive” at sex determination.

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25 Of The Best Side Jobs For Stacking Quick Cash In 2024

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The best side jobs are ones that match your interests and skills ― while rewarding you handsomely for your effort. Put simply, they are an awesome way earn extra income on top of your main job.

The framework for how to make more money and create multiple flows of income is to break your day into three parts, which are:

  • 9am – 5pm – Time spent on your main job
  • Before 9am and after 5pm – Time for your side job / side hustle
  • While you sleep – Time for earning passive money

[Read more…] about 25 Of The Best Side Jobs For Stacking Quick Cash In 2024