Author: Daniel Keem
-
Zoning reform won’t fix housing affordability and we need to admit it
Upzoning has become the consensus housing policy, but the math shows it can’t deliver the affordability politicians promise. Here’s what’s missing.
-
Your career is your responsibility alone
Companies aren’t going to manage your career for you, and waiting for them to is a slow way to fall behind. Here’s what taking ownership actually means.
-
Long-term investing doesn’t guarantee success
Buy and hold is sold as a sure thing, but the historical data shows long timeframes can still deliver disappointing or negative real returns.
-
Bull terriers and kids: are they really the kid in a dog suit?
Bull terriers have a reputation as great family dogs, but the truth is more nuanced. Here’s when they thrive with kids and what to watch for.
-
Payday loans exist for a reason
Payday loans are easy to condemn, but the demand they fill is real. Here’s what they actually solve, what they break, and why banning them often backfires.
-
Why losses are more important than gains
Loss aversion isn’t just psychology — it’s the math of compounding. Here’s why avoiding a 50% loss matters more than scoring a 50% gain.
-
The science behind why cheap lighters fail and premium ones don’t
Disposable lighters die in months while a Zippo lasts decades. The reason is materials science, not marketing. Here’s exactly what changes.
-
Premium appliances don’t last longer
High-end refrigerators and dishwashers cost two or three times more, but reliability data shows they often break sooner. Here’s what you’re really paying for.
-
Most cofounder agreements aren’t worth the paper they’re on
Cofounder agreements feel protective but rarely survive real conflict. Here’s why they fail and what actually keeps a startup partnership functional.
-
Boilerplate contracts are legalized fraud
Click-to-agree contracts pretend to be mutual agreements but function as one-sided rule books. Here’s why courts let it happen and what it costs you.