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Expert Author Jim Thio's Articles

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Why High Risk Lead To High Gain? There are many myths and facts about investing. Some pseudo facts are that, high return investments are risky and low risk investments are safe. The truth is, there isn’t any exact curve that’ll give risks as a function of return. Low return investments can be very risky too when fraud happens, for example. Why You Should Pay High Interest Loan First Paying your loan is like renting equipments. You see, interest rate is like the rent cost of money. It’s like you are employing someone else’s money and you have to pay that money salary. In money, the money’s salary is often stated in terms of the ratio between money borrowed and how much you have to pay for borrowing such money. That ratio is called interest rate. Borrow Against Your Home And Pay Your Credit Card Say you hire a worker at an expensive price, then a poor immigrant is willing to work for you at a fraction of the cost. What would you do? You fire the expensive citizen worker and hire the immigrants. See? Why Income Tax Hurt Income Earners And Workers All wealth redistribution comes in the form of the equivalent of tax and welfare. However, you need to be careful. Incorrect taxation schemes can result in less wealth for you. You see, by reading this website I would suppose that you’re poor or middle class wanting to skyrocket your income, right. Rich means owning a lot of money. If you’re poor and would want to get rich, you need to have a lot of income. So will income tax help? No! Abolish income tax. How Wealth Tax Is Better Than Income Tax Do you want to move money from the wealthy to the poor? Well, tax wealth. Wealth tax causes far less market distortion, and hence, much fairer than income tax. Wealth tax hurt productivity less. If you live in a capitalistic country, then your income is yours fairly. However, Bob’s wealth might not be traceable to productivity. Bob might have gotten his wealth through inheritance gained through slavery, or genocide. Picking The Right Insurance Program Most aspects of capitalism is win-win. If employers make a lot of money from workers due to increase of workers productivity, those employers will hire as many workers as possible -- increasing workers' salary. Hence, in most aspects of capitalism, people try to profit from others in any way they can. Permanent Or Term Insurances? There are many insurance companies in the world giving their life insurance quote. It's pretty difficult to pick which one is the best. What should you do? One strategy that'll work is to keep switching insurance companies. Any company will make more money by selling to people who are more price sensitive.

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