by Brian Jacobs | Jul 1, 2026 | Blog, Investment Concepts
You don’t earn your gross salary. The number on the offer letter and the number in your bank account are two different figures, and everyone understands the gap. Withholding comes out first. But the subtler trap comes when you receive a small raise. Picture a 3% bump...
by Brian Jacobs | Jun 23, 2026 | Blog, Investment Concepts
Common practice is to insure your house, your car, your life, your health, and even your dog. Then you reach what may be the largest financial asset many families own, the investment portfolio, and skip the insurance step entirely. To see why that might be a mistake,...
by Brian Jacobs | Jun 5, 2026 | Blog, Investment Concepts
Three boom and bust stories from American capital history. None of them is a forecast for AI. Each is here for what it says about how a portfolio survives whichever outcome arrives. In the 1830s, every state legislature in America agreed that canals were the future...
by Brian Jacobs | May 28, 2026 | Blog, Investment Concepts
A farmer who needs 40,000 gallons of water a day has a few ways to get it. One is a faucet stuck in the on position. Water flows continuously into a trough whether the farmer is there to use it or not. The hot sun overhead evaporates a portion of every gallon on its...
by Brian Jacobs | May 21, 2026 | Blog, Investment Concepts
In 1977, the U.S. Senate Select Committee on Nutrition and Human Needs released its Dietary Goals for the United States. The recommendations were straightforward. Eat less fat and replace those calories with carbohydrates. The guidelines were framed as cautious,...
