B Buffs

B Buffs

Native English Expressions | Ep.20

Do you feel lost when listening to native speakers? It’s likely because textbook English isn’t enough. Welcome to Native Expressions Ep.20. Real conversations are full of idioms, phrasal verbs, and cultural nuances. This series curates authentic expressions directly from podcasts and YouTube…

Native English Expressions | Ep.19

Do you feel lost when listening to native speakers? It’s likely because textbook English isn’t enough. Welcome to Native Expressions Ep.19. Real conversations are full of idioms, phrasal verbs, and cultural nuances. This series curates authentic expressions directly from podcasts and YouTube…

Frequency of Compounding and Effective Rates

A detailed 3D illustration of a brass clockwork mechanism inside a bank vault. A large gear labeled "ANNUAL RATE" connects to smaller, faster gears labeled "QUARTERLY," "MONTHLY," and "DAILY," all driving a central glowing gauge that reads "EFFECTIVE ANNUAL RATE (APY)."

1. What is Frequency of Compounding? Why Does It Matter? When we talk about interest rates—whether for a savings account, a bond, or a loan—we often see an annual percentage rate (e.g., “10% per year”). However, the frequency of compounding…

Native English Expressions | Ep.18

Do you feel lost when listening to native speakers? It’s likely because textbook English isn’t enough. Welcome to Native Expressions Ep.18. Real conversations are full of idioms, phrasal verbs, and cultural nuances. This series curates authentic expressions directly from podcasts and YouTube…

How Much is Future Money Worth Today?

A cinematic illustration of the time value of money concept. A large ornate clock acts as a portal where large stacks of future money fly backward through time to the left, shrinking into a smaller pile of present value coins, labeled with a glowing arrow that reads "Discounting (÷)".

1. Discounting and Present Value When we talk about the Time Value of Money, we often ask: “How much will my money grow?” But in finance, we frequently need to ask the opposite question: “If I need a specific amount…