https://moneyexplainedbook.com/notes/Short articles by A. Allazimenhttps://moneyexplainedbook.com/notes/five-questions-before-any-money-decision/https://moneyexplainedbook.com/notes/five-questions-before-any-money-decision/Mon, 05 Oct 2026 00:00:00 GMTTime, Cost, Risk, Incentives, Alternatives: five plain questions that work on a loan, an insurance policy, an investment or a pension, whatever the pitch.https://moneyexplainedbook.com/notes/the-quiet-tax/https://moneyexplainedbook.com/notes/the-quiet-tax/Fri, 02 Oct 2026 00:00:00 GMTInflation never sends a bill, but it takes purchasing power every year. At 3% it removes almost half of what a sum of money can buy over 20 years.https://moneyexplainedbook.com/notes/a-one-percent-fee-over-thirty-years/https://moneyexplainedbook.com/notes/a-one-percent-fee-over-thirty-years/Mon, 28 Sep 2026 00:00:00 GMTInvestment fees compound just like returns do. One extra percentage point on a 30-year plan can cost a fifth of the final pot.https://moneyexplainedbook.com/notes/the-minimum-payment-trap/https://moneyexplainedbook.com/notes/the-minimum-payment-trap/Mon, 21 Sep 2026 00:00:00 GMTPaying only the minimum on a credit card keeps the balance alive far longer than most people expect. A worked example, and the one change that fixes it.https://moneyexplainedbook.com/notes/six-percent-flat-is-not-six-percent/https://moneyexplainedbook.com/notes/six-percent-flat-is-not-six-percent/Mon, 14 Sep 2026 00:00:00 GMTA flat rate charges interest on the original amount for the whole loan. Here is the same $10,000 loan priced both ways, and what the real annual rate turns out to be.