Posts by Jack Duffley

DTI Ratio Basics Your debt-to-income (DTI) ratio is your total monthly obligations divided by your monthly income. It is similar to net worth expressed as a percentage, although it is admittedly not...

The time value of money is the most important concept in investing. It is the idea that money now is worth more than that same amount of money later. Why is this?   Opportunity...

I was able to get two free roundtrip airline tickets for my honeymoon. It saved my wife and I hundreds of dollars with hardly any effort. And it has me wanting more!   What is Travel...

“It’s clearly a budget. It’s got a lot of numbers in it.” - George W. Bush https://youtu.be/iHxCrodnQnQ Tracking Your Life Before even attempting to formulate a budget, or any financial...

One of the most important decision making measurements is opportunity cost. Whether you realize it or not, you are probably weighing the opportunity cost of doing something throughout each day. The...

Depreciation is one of the biggest benefits to owning commercial or income-producing real estate. It allows a property owner to save thousands on his or her tax bill each year while still reaping the...