To

Anyone with a decision to make

From

Daniel Okafor-Reyes

Re

Housekeeping

Date

2026-11-09

Notice and disclaimer

What these memos are, and what they are not.

Please read this before acting on anything in these memos.

General information only

These memos explain general decision-making ideas. They are not financial, investment, legal or tax advice for your circumstances.

Gambling

Some memos use games of chance as examples. Gambling carries a real risk of losing money, and the expected value of a bet is normally negative for the player. It is restricted or illegal in many places and limited to adults where it is allowed; follow the law where you live. If gambling is causing harm, in the US you can call 1-800-MY-RESET.

Outside links

Links to other websites illustrate a point and are not endorsements. Some lead to pages in Traditional Chinese.

Corrections

There is no advisory service or helpline here. Memos are revised when errors are found, and each shows its revision date.

Filed 2026-11-09