RFG is the place to find practical, real world information on personal finance, real estate, investing, stock options and more.
When people find out I work in tech, they always ask: “What’s the best job in technology?” It’s a difficult question to answer, because there are so many variables to consider. What types of work do you like to do? Do you like working with people… are you social? Do you want to work at a desk? All the same, I’ve attempted to create an objective look at the best jobs in tech here.
As many of you know, I am a marketer at a startup. That’s one of many reasons why I write about startups and equity compensation all the time. Like, maybe too much, but I digress. Although I love my job, someday I’d like to leave the startup world to be an entrepreneur. My problem is that I don’t have any genius ideas for a business. I am just into entrepreneurship, finance, and finding efficiencies. So where does that leave me? Enter the search fund.
The Bitcoin bubble of 2017 has popped and the crypto market is undoubtedly in the middle of another brutal bear market with no end in sight. Bitcoin has seen this situation before and many supporters will argue that this is all part of a predictable pattern. But that’s hardly enough to solace investors who are currently experiencing an 85% drawdown from all-time-high prices.
Everyone wants a low risk, high reward investment. Unfortunately, there’s no such thing in the public markets, but there are ways that I can increase my chances of making a profitable investment, and decrease the risk at the same time. It’s not low risk, high reward, but it’s definitely close!
I read a lot of non-fiction business books. Every once in a while, I come across one that I really, really like. Lost and Founder, the story of Moz, is one of those few. It’s a book that every single startup employee needs to read. But, if you’re lazy, here are the main takeaways.
Joining a startup can be an exhilarating thrill ride, or a crazy horror show. The only way to tell the difference between a success or a failure is to ask the right questions before joining.
Last year, I told the story of my own stock option sale, and the lessons I learned from it. This week I am confronted with an opportunity to sell shares in my current company, so I finally have the opportunity to put those lessons to use. But, I am still wondering if I should sell my stock now, or hold on and wait for further appreciation.
With the rapid growth of technology and venture capital, stock compensation has become increasingly common. Use this calculator to find the potential value of your ISO stock options.
It’s easy to get discouraged by investing. With interest rates hovering at 3-5%, even modest retirement budgets require well over a million dollars in investments to work properly (e.g., $1,000,000 x 3% = $30,000). Many people get discouraged because they don’t have much saved now, but the truth is that the most important thing in any retirement plan is making repetitive, reliable recurring investments.
I’ve always wanted to own a vacation home, but it may not be worth the cost or the hassle.
Time is the most precious commodity we have, but people waste it all the time because they don’t know its value. Use this interactive calculator to get a better idea of what your time is REALLY worth to you.
A search fund is similar to a private equity fund. Investors sponsor the search for and potential purchase of a small to medium sized business, to eventually be run by those who are searching for the business.
At the end of the day, our biggest limitation is what we think that we can do.
You can avoid PMI without 20% down in many ways. You can use an equity partner, take a secondary loan, or use a loan that doesn’t require it. Here’s how.
Restricted stock units are a common method of equity compensation that can be highly lucrative… if you know how to take advantage of them.
Most startup employees don't understand the most important component of their pay. Do you truly know what your options are worth, and how to take advantage of them?
I'm not sure what's wrong with me exactly, but when I see EVERYONE agreeing on something, I always want to disagree. So i’ll say it: I don’t think a recession is imminent.
How much do I need to make from my passive income streams to #fatFIRE (retiring early without extreme frugality)? Here’s my plan, and my own #fatfire retirement calculator.
This calculator asks a very simple question: when should I refinance… or should I at all?
The dream is alive: find a young, promising startup, put in four years of hard work, and end up a deca-millionaire. Unfortunately, reality is calling.
