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KDP vs Barnes and Noble Press: Same Ebook Pay From $2.99 to $12.99, Double Outside It

November 11, 2026 by Michael
Line chart of ebook royalty per copy by list price: B&N Press pays a flat 70% while KDP pays 35% below $2.99 and above $12.99; at $14.99 B&N pays $10.49 and KDP $5.25, twice as much

KDP vs Barnes and Noble Press: same ebook pay from $2.99 to $12.99, but B&N pays 2x on 99c and $14.99 box sets. KDP wins paperbacks by $0.99.

Categories Books Tags Amazon KDP, Kindle Unlimited, Print on Demand, Romance Writing, Self-Publishing Leave a comment

How Long Should a Romance Novel Be? A 50,000-Word Book Can Pay 82% More per Word Than a 91,000-Word One

November 11, 2026 by Michael
Line chart of royalty per 1,000 words by romance novel length: a $4.99 sale falls from 8.7 cents at 40,000 words to 7.0 cents at 50,000 and 3.8 cents at 91,000, 45% less, while a Kindle Unlimited full read stays flat at 2.5 cents

How long should a romance novel be? 50k–100k words: Harlequin’s median is 55k, Amazon’s top 100 average 91k. Why shorter pays 82% more per word.

Categories Books Tags Amazon KDP, Kindle Unlimited, Romance Writing, Self-Publishing Leave a comment

Stock Bond Correlation Over Time: 33 Years of SPY vs Treasuries, and Why It’s +0.42 Now (Python)

November 10, 2026 by Michael
Featured line chart of the 36-month rolling correlation between SPY and long-term Treasuries, 1996 to October 2026: negative from 2000 to 2021, positive since 2022, now +0.42

Stock bond correlation over time, 1993-2026: SPY vs Treasuries was -0.29 in 2000-2021, +0.42 now. Inflation link, 60/40 impact + Python.

Categories Finance, Investment, Pandas Library, Python Tags Pandas, Python Leave a comment

KDP AI Translation Is Free, but Translating Only Book 1 Leaves 64% of the Money on the Table

November 10, 2026 by Michael
Bar chart: sales needed to recoup one 85,000-word translation at $3 per sale: 5,383 at $0.19 per word, 3,683 at the $0.13 average, 3,400 at $0.12, 713 for paid AI plus human review, 0 for Kindle Translate

KDP AI translation (Kindle Translate) is free in beta. A human translation needs 3,683 sales to break even; why translating only Book 1 loses 64%.

Categories Books Tags Amazon KDP, Kindle Translate, Self-Publishing, Translation Leave a comment

IngramSpark vs KDP: The Same $14.99 Paperback Pays $4.39 on KDP and $0.75 at IngramSpark’s 55% Discount

November 10, 2026 by Michael
Bar chart: per-copy payout for the same 300-page $14.99 paperback: KDP on Amazon $4.39, IngramSpark at 40% discount $3.00, KDP Expanded Distribution $1.40, IngramSpark at 53% $1.05, IngramSpark at 55% $0.75

IngramSpark vs KDP in 2026: a $14.99 paperback pays $4.39 on KDP vs $3.00 or $0.75 via IngramSpark. Per-copy math, hardcovers, and the hybrid setup.

Categories Books Tags Amazon KDP, IngramSpark, Print on Demand, Self-Publishing Leave a comment

Is BookBub Featured Deal Worth It? Book 1 Alone Needs 66% of Clicks to Buy, a 5-Book Series Needs 4.7%

November 9, 2026 by Michael
Bar chart: share of BookBub clicks that must buy a $0.99 Contemporary Romance deal to recover the $765 fee: 65.9% for Book 1 alone, 13.0% with 2 books, 8.1% with 3, 5.9% with 4, 4.7% with a 5-book series

Is a BookBub Featured Deal worth it? At $0.99 a standalone needs 66% of clicks to buy; a 5-book series needs 4.7%. All 44 categories, with real fees.

Categories Books Tags Amazon KDP, Kindle Unlimited, Romance Writing, Self-Publishing Leave a comment

Sequence of Returns Risk Example: Same 25 SPY Years, Reversed, and $1M Ends at $119,235 vs $3.77M (Python)

November 9, 2026 by Michael
Featured line chart: $1M in SPY with the 4% rule over the same 25 annual returns (2000-2024). Real order with the crash first ends at $119,235; reversed order ends at $3.77M, a $3.65M gap

Sequence of returns risk example: same 25 SPY years, $1M, 4% rule. Real order ends at $119,235, reversed at $3.77M. Charts, fix + Python.

Categories Finance, Investment, Pandas Library, Python Tags Pandas, Python Leave a comment

Best AI for Writing Fantasy Novels: A 120k-Word Epic Earns 2.4Γ— a Novella per KU Read

November 6, 2026 by Michael
Bar chart of Kindle Unlimited pay per full read by fantasy length: 50k $1.41, 90k $2.54, 120k $3.39, 150k $4.23; 120k earns 2.4x a novella

Best AI for writing fantasy novels: a full KU read of a 120k-word fantasy pays $3.39, 2.4x a novella. Pick a tool that keeps 120k words consistent.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Kindle Unlimited, Self-Publishing Leave a comment

Is Expanded Distribution on KDP Worth It? One Amazon Sale Equals ~3 Expanded Copies at $14.99

November 5, 2026 by Michael
Bar chart: Amazon.com paperback royalty $5.11 vs Expanded Distribution $2.12 on a $14.99 240-page book; 3 ED copies match one Amazon sale

Is Expanded Distribution on KDP worth it? At $14.99 keep $2.12 vs $5.11 on Amazon (~3 ED copies); at $9.99 ED pays $0.12.

Categories Books Tags Amazon KDP, Kindle Unlimited, Passive Income, Romance Writing, Self-Publishing Leave a comment

How Much Does It Cost to Self Publish a Book on KDP? $0 to Upload, $1,920–$8,930 to Do It Pro

November 5, 2026 by Michael
Featured bar chart: cost to self-publish a 60,000-word book on KDP by tier, DIY $0, Lean $1,920 (557 sales to break even), Pro $3,540 (1,027 sales) and Pro romantasy $8,930 (2,589 sales) at $3.45 royalty per $4.99 ebook

How much does it cost to self publish a book on KDP? $0 to Amazon, $1,920–$8,930 for editing and covers, and 557–2,589 sales to break even.

Categories Books Tags Amazon KDP, Kindle Unlimited, Passive Income, Romance Writing, Self-Publishing Leave a comment

Kindle Unlimited All Star Bonus: Stuck at $3.4 Million Since 2024 While the Fund Grew 19%

November 4, 2026 by Michael
Featured bar chart: KDP Select All Stars bonus pool per month, about $0.5M in 2014, $1.5M in May 2022, $2.0M in July 2023, $2.3M in November 2023, $3.4M in July 2024 and still $3.4M in September 2026 (+0%), while the page-read fund grew 19%

Kindle Unlimited All Star bonus, explained: $3.4M a month since 2024, just 4.9% of KU pay. Who gets it, when it pays, and what it’s worth in page reads.

Categories Books Tags Amazon KDP, Kindle Unlimited, Passive Income, Romance Writing, Self-Publishing Leave a comment

Missing the Best Days in the Market: Skip SPY’s 10 Best Days Since 1993 and $313,613 Becomes $136,082 (Python)

November 4, 2026 by Michael
Featured bar chart: $10,000 in SPY from Jan 29, 1993 to Nov 3, 2026 grew to $313,613 invested every day, $187,437 missing the 5 best days, $136,082 missing the 10 best (-57%), $78,634 missing 20, $49,189 missing 30 and $22,024 missing 50

Missing the best days in the market, tested: skip SPY’s 10 best days since 1993 and $10k ends at $136,082, not $313,613 (βˆ’57%). Charts + Python.

Categories Finance, Investment, Pandas Library, Python Tags Pandas, Python Leave a comment
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New Finxter Tutorials:

  • KDP vs Barnes and Noble Press: Same Ebook Pay From $2.99 to $12.99, Double Outside It
  • How Long Should a Romance Novel Be? A 50,000-Word Book Can Pay 82% More per Word Than a 91,000-Word One
  • Stock Bond Correlation Over Time: 33 Years of SPY vs Treasuries, and Why It’s +0.42 Now (Python)
  • KDP AI Translation Is Free, but Translating Only Book 1 Leaves 64% of the Money on the Table
  • IngramSpark vs KDP: The Same $14.99 Paperback Pays $4.39 on KDP and $0.75 at IngramSpark’s 55% Discount
  • Is BookBub Featured Deal Worth It? Book 1 Alone Needs 66% of Clicks to Buy, a 5-Book Series Needs 4.7%
  • Sequence of Returns Risk Example: Same 25 SPY Years, Reversed, and $1M Ends at $119,235 vs $3.77M (Python)
  • Best AI for Writing Fantasy Novels: A 120k-Word Epic Earns 2.4Γ— a Novella per KU Read
  • Is Expanded Distribution on KDP Worth It? One Amazon Sale Equals ~3 Expanded Copies at $14.99
  • How Much Does It Cost to Self Publish a Book on KDP? $0 to Upload, $1,920–$8,930 to Do It Pro

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