Bottom-Up vs Top-Down Purchasing

Bottom-up and top-down are methodologies often used in various applications. This can be commonly found in applications of information processing, investing and management. The concepts have always been interesting as they are so basic but can be so difficult to… Continue Reading


Receiving your Lifetime Earnings Upfront

This idea has been in my head for a while and the other day I heard a reference to it. As a thought exercise I will state it as a question: How will your financial behaviour be impacted if you… Continue Reading


4 Reasons not to Budget your Bonus

It is the season where my wife to receives her annual performance bonus. She performed well and will receive a good bonus (proud of you honey), but this is something we do not budget for. We have never really budgeted… Continue Reading