Dollar-cost averaging can be a good strategy, but be careful

Photo by Markus Spiske on Unsplash

A common phrase to hear in the online investing community is that someone “averaged down” on a position.

In this post, we look at what dollar-cost averaging means, and how to pick the right investment strategy.

Dollar-Cost Averaging

Dollar-Cost Averaging, or DCA, simply means making periodic investments over time. This is distinct from taking a lump sum and investing it in one go. The idea is that the effects of price volatility are reduced because the purchase price “averages out” over time.

Three options for encrypting files on a Mac

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Security often isn’t the first thing on people’s minds when they use a computer. However, if your system isn’t secure, then there may be a point where you can’t use it at all.

In this post, I run through three options for encrypting files on macOS.

Full Filesystem Encryption

macOS offers excellent full filesystem encryption, but this is disabled by default. If you’re confident that no one will ever gain access to your physical hard drive, then you probably don’t need encryption. However, if you use a laptop, it’s definitely worth using.

To encrypt your whole hard drive, go into System Preferences →…

It’s not what you might think

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This is a question I get asked a lot. Which programming should I learn first?

In this post, I’m going to share my thoughts on why there is only one language to rule them all.


Nope, it’s not JavaScript.

Many other writers recommend starting with JavaScript, and I agree this is an excellent choice.

It’s consistently the most popular language on Stack Overflow. It receives the most pull requests on GitHub.

If these things are important to you, then stop reading now and start learning JavaScript.

Udemy has a fantastic course by Brad Traversy.

Your First Language

I’m going to explain why your…

A no B.S. insight into how to write for money

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I’ll never forget the first time I made money from writing. I made $1.21 from a book review and it felt amazing!

My most successful story has since made over $1200.

In this post, I’ll set out the exact steps I took to go from zero to an average of $500 per month.

Step 1: Actively set out to make money

This contradicts the advice a lot of others give.

There are literally hundreds of articles telling people not to write for money, and that it will destroy your soul.

I call bullshit on this.

If you’re only writing for personal fulfillment whilst also making a lot of…

You could be better off renting but it’s unlikely

Photo by Tierra Mallorca on Unsplash

Whether to buy or rent a home is one of the biggest financial decisions we ever make.

In this post, I’ll explain some factors people often overlook when considering the pros and cons of this life-changing decision.

The 5% Rule

I’ve seen a lot of content about the 5% rule.

The thinking goes something like this:

  • Property tax costs roughly 1% of home value

The opportunity cost is the difference between potential gains in property…

Lessons learned from 6 months of investing

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This year I set out to learn as much as possible about investing in stocks, crypto, and other assets.

In this post, I will share my key takeaways after 6 months of investing.

1. Cashflow is King

This may sound counterintuitive, but possibly the most important lesson I’ve learned concerns the importance of cash.

This really divides into two strands:

  1. Cutting expenses and increasing income to provide investable funds

To put it bluntly: if you don’t have any money, you can’t invest.

When I started out, I successfully cut expenses. I switched…

Why the Lightning Network is a game-changer for Bitcoin

Bitcoin over Lightning Network Logo used under CC-SA license

I recently wrote about the fundamental problems that Bitcoin solves. I stated that Bitcoin doesn’t function well as a medium of exchange due to slow transaction times.

The Lightning network changes this.

In this post, we’ll take a deep dive into the Lightning network and what it means for the future of Bitcoin.

Bitcoin Transaction Speeds

If you want to use a currency to actually buy things, transactions need to be processed quickly.

Imagine if you went to a shop and swiped your debit card. …

Don’t just diversify based on industry, you need to go deeper

Photo by Markus Spiske on Unsplash

What do these stocks have in common?

  • Skillz: eSports software

On the surface of things, this looks like a diverse portfolio. In an automated portfolio analyzer, it will look like this…

Bitcoin does solve a problem but it’s not what you might think

Photo by Claudio Schwarz | @purzlbaum on Unsplash

Bitcoin has been getting a lot of attention in the news recently. It is certainly a speculative asset, and some criticisms are justified.

However, this doesn’t mean it has no benefit. In this post, I discuss whether Bitcoin meets its original goals, and if not, does it solve any real problem?

Let’s explore…

The Bitcoin White Paper

The original Bitcoin white paper was published in 2008 by Satoshi Nakamoto and formed the basis of the protocol on which Bitcoin is based.

There is some mystery surrounding this paper. …

Jamie Bullock

Senior Developer at Co-founder of Let’s learn together.

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