Empower Your Financial Journey
Jun Kobayashi created this site to help ordinary people increase their wealth using accessible financial products. His mission is to democratize investing by focusing on tools and strategies available to everyone, regardless of their starting capital.
Fixed Income
Bond Investing is one of the most reliable passive income strategies available. By choosing the right financial products, you can generate consistent payments while preserving your capital with minimal ongoing effort.
Latest Money Market Fund Article
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Money Market Fund NAV: Why It’s More Crucial Than You Think
Ever heard of a money market fund’s NAV and thought, “Eh, it’s just a dollar—what’s the big deal?” I used…
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Money Market SEC Yield vs APY: Which Grows Faster?
Which one grows your money faster—SEC yield or APY? It’s a question that confuses even seasoned savers. In fact, a…
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How to Transfer Money Market Funds: Banks Don’t Want You To
Transferring money market funds can feel overwhelming when you’re navigating different institutions, fees, and regulations that seem to change constantly….
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5 Best Money Market Funds Retirees Wish They Knew Sooner
Here’s a sobering fact: the typical retiree must make their money last almost 20 years post-career. Between relentless inflation and…
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Money Market Fund Stability Crisis: Are You Protected?
I’m always amazed that money market funds hold over $8 trillion in assets globally. I find it fascinating that they’ve…
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When to Sell Money Market Funds: Timing Secrets Exposed
I’ve been there too – watching my “safe” money market investment barely keep pace with inflation while other opportunities passed…
Latest Payments Article
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What Is a Wire Transfer? How Your Money Moves Instantly
You’ve probably heard the term “wire transfer” before—maybe when sending money overseas, paying for a car, or transferring large sums…
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5 Best Payment Gateways for 2025 – Find Your Perfect Match
Did you know that over 80% of consumers prefer businesses that accept digital payments? That’s not just a trend—it’s the…
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What Is a Merchant Service? Don’t Get Ripped Off
Let’s be real—if you run a business in 2025, you have to accept digital payments. Cash is fading, and customers…
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How ACH Payments Work: 3-Day Secret That Saves Millions
Did you know that over 29 billion ACH transactions were processed in 2024, totaling more than $76 trillion? If you’ve…
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5 Best Bank Platforms for Digital Payment (2025 Winners)
Digital banking has dramatically improved over the last few years, transforming from clunky mobile apps to sophisticated platforms that 78%…
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Business to Consumer Payments: Old vs New Still Dominate
Did you know that 67% of consumers will abandon their purchase if their preferred payment method isn’t available? That’s a…
