Car Balloon Payment Explained: How Balloon Car Loans Work + Calculator
Car Balloon Payment: Amortisation Mechanics, Total Cost Comparison and the Risks Most Lenders Don’t Explain A balloon auto loan is structured to produce lower monthly
In-depth articles on financial instruments, investment analysis and personal finance. Each piece is written by Fil J., a finance professional with over six years of experience in financial market supervision, corporate finance and portfolio management.
The content here goes deeper than typical finance blogs because it is written by someone who works with these instruments professionally. Articles include worked examples with specific numbers, mechanical explanations of how financial instruments actually behave, and honest disclosure of when standard formulas stop being reliable.
Every article on this blog follows the same principles:
Depth over volume. Most articles run 2,500-5,000 words because financial concepts cannot be explained accurately in short formats. The Repo vs Reverse Repo article is 4,762 words. The Internal Rate of Return guide is 4,018 words. This is deliberate – shorter content on these topics necessarily omits important nuance.
Worked examples with real numbers. Every conceptual explanation is paired with a step-by-step worked example showing specific inputs and outputs. The math is verifiable. The methodology is transparent.
Honest limitations. Every financial metric has assumptions and edge cases where it breaks down. These are explained explicitly. Modified Duration assumes linear price-yield relationships. Sharpe ratio penalises upside volatility. IRR assumes reinvestment at the IRR itself. Knowing when not to use a tool matters as much as knowing how.
No AI-generated content. Articles are written and reviewed personally. The professional depth that distinguishes this content from generic finance websites comes from years of working with these instruments, not from language models.
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Browse the complete article archive by category, or use the search function to find content on specific topics. New articles are added regularly based on the editorial roadmap and reader suggestions.
Car Balloon Payment: Amortisation Mechanics, Total Cost Comparison and the Risks Most Lenders Don’t Explain A balloon auto loan is structured to produce lower monthly
30-Year vs 50-Year Mortgage: Which Loan Term Is Better in 2026? Your complete guide to comparing monthly payments, total interest, affordability, and long-term financial impact.
Modified Duration: Price Sensitivity, DV01, Hedging and the Limits of the Linear Approximation Modified Duration is the fixed income practitioner’s primary risk metric. Where Macaulay
Macaulay Duration: Definition, Formula, Immunisation and Portfolio Applications Macaulay Duration was introduced in 1938 by Frederick Macaulay, an economist studying long-run movements in US bond
Internal Rate of Return (IRR): How It Works, Where It Misleads, and When to Use It Internal Rate of Return is one of the most
How It Works, How to Calculate It, and Where It Breaks Down Net Present Value is one of the most important concepts in investment analysis.
The blog content is organised into three main categories:
Equity, bonds and derivatives – the core asset classes of modern markets. The bulk of the site’s content lives here, with particular depth in fixed income (repo, duration, accrued interest, yield analysis).
Mortgages, leases, savings and budgeting decisions. Same professional depth applied to consumer financial decisions. Most personal finance content online stops at “save more, spend less.” These articles cover the actual mathematics of financial decisions.
How to analyse financial statements, calculate ratios, and evaluate listed companies as potential investments. This category is being developed – new content on equity analysis methodology is in progress.
All articles are written by Fil J., a finance professional with over six years of hands-on experience across:
Financial market supervision
Corporate finance and valuation
Portfolio management and investment analysis
Five years of formal finance education complement the professional experience. Based in Europe, working fluently in English and Polish, with focus on internationally-used financial concepts and instruments.
The blog is actively maintained. Articles are reviewed periodically and updated to reflect:
Changes in market conventions (such as the May 2024 T+1 settlement transition in US securities)
New regulatory or policy changes affecting the concepts covered
Errors identified by readers
New data, examples or research that improves the analysis
Each article shows its publication and last-updated dates. If you find an error in any article, use the contact form to report it. Reader feedback drives continuous improvement of the content.
The blog roadmap is partly driven by reader requests. Topics where existing free resources are inadequate, professional analysis is missing, or specific use cases need coverage are prioritised.
If there is a financial concept, instrument or analysis methodology you would like covered in depth, send a suggestion. Topics that align with the site’s focus areas (fixed income, investment analysis, professional-grade personal finance) receive priority.