Tác giả: Lai Van Duc

Sharing knowledge about stocks and personal finance with a simple, disciplined, long-term approach.

Retirement & Tax

How the 401k Early Withdrawal Penalty Destroys Your Wealth

Tháng 3 11, 2026 • 10 min • Imagine you are looking at your retirement account balance. Perhaps you see 10,000 dollars or even 50,000 dollars sitting there. Suddenly, an emergency hits. Your car…

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How the 401k Early Withdrawal Penalty Destroys Your Wealth

How the 401k Early Withdrawal Penalty Destroys Your Wealth

Lai Van Duc 11/03/2026
Identity Theft Prevention: 5 Steps to Lock Your Digital Life

Identity Theft Prevention: 5 Steps to Lock Your Digital Life

Lai Van Duc 10/03/2026
Price to Book Ratio: A Beginner’s Guide to Value Investing

Price to Book Ratio: A Beginner’s Guide to Value Investing

Lai Van Duc 09/03/2026
How Target Date Funds Work: The “Set-it-and-Forget-it” Strategy

How Target Date Funds Work: The “Set-it-and-Forget-it” Strategy

Lai Van Duc 08/03/2026
Real Estate

Mortgage Types for Beginners: Fixed-Rate vs. ARM Explained

Tháng 3 07, 2026 • 10 min • Choosing your first home is an emotional journey, but choosing your first mortgage is a purely financial one. For many beginners, the jargon can feel like…

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Mortgage Types for Beginners: Fixed-Rate vs. ARM Explained

Mortgage Types for Beginners: Fixed-Rate vs. ARM Explained

Lai Van Duc 07/03/2026
Retirement & Tax

Capital Gains Tax: A Beginner’s Guide to Saving Money

Tháng 3 06, 2026 • 10 min • Have you ever looked at your investment account, seen the green numbers climbing, and felt that rush of excitement? Maybe you bought a few shares of…

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Capital Gains Tax: A Beginner’s Guide to Saving Money

Capital Gains Tax: A Beginner’s Guide to Saving Money

Lai Van Duc 06/03/2026
Personal Finance

How to Perform a Subscription Audit and Save Hundreds

Tháng 3 05, 2026 • 9 min • Have you ever looked at your bank statement and seen a charge for ten dollars that you did not recognize? Maybe it was a streaming service…

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How to Perform a Subscription Audit and Save Hundreds

How to Perform a Subscription Audit and Save Hundreds

Lai Van Duc 05/03/2026
What is a Good P/E Ratio? A Simple Guide for New Investors

What is a Good P/E Ratio? A Simple Guide for New Investors

Lai Van Duc 04/03/2026
Time in the Market vs. Timing the Market: The Shocking Truth

Time in the Market vs. Timing the Market: The Shocking Truth

Lai Van Duc 03/03/2026
How to Choose a Real Estate Agent: 12 Questions for Beginners

How to Choose a Real Estate Agent: 12 Questions for Beginners

Lai Van Duc 02/03/2026