Exciting Changes to the Blog

Hey, it's been a while!

You may have noticed that the blog has been a tad quiet lately. Our first break in the action since roughly 2 years of weekly posting. There's a good reason.

I covered a lot of what I wanted to in investing & finance. While there's always more, the core was covered and I felt I was getting repetitive. TLDR: think long term, be rational, and compound that interest.

During my break, I explored other interests. Business, health, technology, and more. There's a lot to learn, and writing is a great teacher.

Going forward, I'll be covering a wider range of topics. No set theme, just whatever I'm interested in the moment.

Given the broaden scope, we've outgrown our beginning banking roots. I'm going to rebrand to simply hermanye.com. I'm excited to write again and welcome you all to the ride.

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The Art of Giving Feedback

Constructive feedback is an awkward affair. You don't want hurt feelings, but recognize the importance of honesty. You've tried the classic "hoping things will get better on its own" and unfortunately it hasn't played out. When giving feedback, here are a few things that I try to keep it mind. Start with empathy. Step into their shoes and understand their story. If you don't know, ask. Be genuinely curious. Feedback is a dynamic affair. Shared communication with a shared goal towards progress. Take the emotion out of it. Focus on the situation, not the person. Focusing on the person adds unnecessary weight to an already emotionally-bloated event. Be specific. Give clear examples. Vague feedback equals dismissed feedback. Doing above won't de-awkward things fully, but it will dampen it and increase the chance of better outcomes.

ELI5: The Stock Market

Today we get back to basics and answer some of the most common questions about the stock market.

Step One is Knowing

In school, we listen to our teachers. At home, our parents. Throughout our childhood, following instructions is praised and rewarded. When we're young, there's value in this. We don't understand how the world works quite yet, so guidance can be lifesaving. The bias to just accept obviously has drawbacks. Insert old jumping off a bridge adage . This conditioning is especially strong for kids from lower income households. Their parents are more likely in working class jobs involving strict order-taking. Parents of middle-class households tend to be knowledge workers where influence is essential. Studies have shown kids from middle-income households are more willing to negotiable with their teachers. They learn from their parents that things are not set in stone. This leads to better grades and learning outcomes when compared to their lower income counterparts who don't negotiable. In business, if we simply accept things as they are, we would never innovate. In work, w

Herman Ye

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