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Ten Factorial Rocks
General Finance
Early Retirement, Frugality, Investing, Life hacking
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Texas, United States
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Business Manager
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Latest Blog Posts

This is a guest post by Jacob Evans @ DollarDiligence.   The topic of student loans is always current on people’s minds, especially those with kids or young adults in college or many having college debt.  Persistent student loans (or lack thereof) plays a significant part in your net worth journey.… ...
Posted: Sep 17 2017 @ 11:59 PM
As you move up the career and net worth ladder, you will be presented with opportunities from generally well-meaning friends, colleagues and aquaintances about the exciting world of ‘angel investing’.   You probably already heard the words before and perhaps even imagined fantasy visions of getting a mouth-watering 100x or 1000x returns… ...
Posted: Sep 10 2017 @ 11:53 PM
In the world of deception, there are lies, great lies and statistics – in that order.   What makes statistics so dangerous is that it often comes under the garb of “data” but is subject to all sorts of cognitive biases. Recently, The Wall Street Journal (WSJ) published an article… ...
Posted: Sep 04 2017 @ 12:29 AM
There are many immortal words in the U.S. constitution.   This country was formed on the bedrock principles of guaranteeing all its people life, liberty and the pursuit of happiness.  Any civil society or even the most progressive government can only guarantee life and liberty but not happiness.   Happiness is… ...
Posted: Aug 28 2017 @ 12:11 AM
This is a continuation from Part 1, which generated some controversy as I expected.  If you came here straight, please read that post prior to continuing here.   Points 1 -7 are covered in the previous post.   There are some thought-provoking points in this 2-part series.  Think and be aware before blindly buying into… ...
Posted: Aug 21 2017 @ 6:32 AM
Quite some time ago, I received an interesting email from an ‘insider’ in the real estate finance industry.  His mail is in line with my views on real estate as an investment, but with some disagreements.  I have largely reproduced it here with only some edits to be relevant to the present… ...
Posted: Aug 14 2017 @ 6:18 AM
I have made no secret of the fact that I like both index investing and dividend growth investing, and use both to build my passive income and net worth.  My series comparing the two can be found here.   For international investing, I prefer indexing and ETFs mainly because of inconsistent disclosure… ...
Posted: Aug 06 2017 @ 11:40 PM
Efficiency is beautiful.  Nature gives us so many examples.  Out of the millions of sperm that try and enter the fallopian tube, only one finally enters the egg.  The moment it does, the door is shut for all others around it. No matter how many millions of sperm try, only one can… ...
Posted: Jul 31 2017 @ 12:11 AM
“You pay a heavy price in the market for a cheery consensus” says the Oracle of Omaha, Warren Buffett.   The nature of human mind to seek out favorable facts, approvals and confirmations in support of what we already want to believe is called confirmation bias.   By nature, most of us have a… ...
Posted: Jul 23 2017 @ 11:52 PM
Hi All, I am happy to share with you that today, Ten Factorial Rocks (TFR) is officially one year old!  Exactly one year ago today, inspired after a long morning walk, I started this oddly-named website.  The idea itself had been germinating for long, after years of being on the receiving end of frustratingly bad information… ...
Posted: Jul 16 2017 @ 2:55 AM


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