Digital Earnings & Financial Returns Insights

Author: Erik Guilfoyle - Page 2

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Nov, 3 2025

How to Estimate Bond Total Return: Yield, Price Change, and Income

Erik Guilfoyle
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Learn how to calculate bond total return by combining coupon income, price changes, and reinvestment earnings. Stop relying on yield to maturity-this is what actually determines your real return.
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Oct, 31 2025

Model Governance: How to Validate and Monitor Compliance Models to Avoid Regulatory Penalties

Erik Guilfoyle
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Learn how to validate and monitor compliance models to avoid regulatory penalties. Understand the six pillars of model governance, real-world examples, and how to build a system that works-without overpaying or overcomplicating it.
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Oct, 31 2025

Asset Allocation Strategy: How to Set Your Stocks-to-Bonds Ratio for Real Life

Erik Guilfoyle
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Your stocks-to-bonds ratio is the most important decision in investing. Learn how to set it based on your age, risk tolerance, and goals - not outdated rules. Stop guessing. Start building a portfolio that lasts.
Oct, 29 2025

About

Erik Guilfoyle
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Data-driven insights on stocks, ETFs, crypto, and DeFi. Learn practical strategies to grow digital earnings with unbiased tutorials, platform reviews, and portfolio tools.
Oct, 29 2025

Terms of Service

Erik Guilfoyle
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Terms of Service for Digital Earnings & Financial Returns Insights (defari.net). Learn the rules for using our data-driven investing blog and disclaimers for informational content.
Oct, 29 2025

CCPA

Erik Guilfoyle
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Understand your CCPA/CPRA rights regarding personal data collection on defari.net. Learn how to access, delete, or opt-out of sharing of your information as a California resident.
Oct, 29 2025

Contact Us

Erik Guilfoyle
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Contact Digital Earnings & Financial Returns Insights for questions, feedback, or collaboration. Get data-driven investing insights on stocks, crypto, ETFs, and DeFi.
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Oct, 29 2025

Screen Scraping Sunset: Why Secure APIs Are Replacing Login-Based Data Access

Erik Guilfoyle
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Screen scraping is being phased out in favor of secure APIs for financial data access. Learn why open banking standards are replacing risky login-sharing methods and how to transition safely.
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Oct, 29 2025

Platform vs. Product: How Fintech Companies Choose Their Growth Path

Erik Guilfoyle
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Fintech companies must choose between building a focused product or a scalable platform. This guide breaks down the trade-offs in cost, regulation, growth, and user experience to help founders make the right strategic call.
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Oct, 19 2025

Agri-Fintech: How Insurance and Credit Are Changing Life for Smallholder Farmers

Erik Guilfoyle
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Agri-fintech is bringing affordable credit and fast insurance to smallholder farmers using mobile tech, satellite data, and harvest-based loans. Learn how it works, where it succeeds, and why it matters for global food security.
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Oct, 18 2025

Mortgage REIT Dividends: How Spread Risk and Book Value Volatility Impact Your Income

Erik Guilfoyle
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Mortgage REITs offer high dividends but come with extreme volatility tied to interest rate spreads and book value swings. Learn how spread risk, leverage, and rate changes impact your income - and whether they're right for your portfolio.
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Sep, 26 2025

Bond Funds vs Individual Bonds: Which Is Better for Your Portfolio in 2025?

Erik Guilfoyle
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Bond funds and individual bonds both offer steady income, but they work very differently. Learn which one suits your goals, budget, and time in 2025.

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