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How Often to Rebalance Portfolio? Once a Year (39 Trades Matched 477 in 40 Years)

October 27, 2026 by Michael
Featured line chart of the stock share of a 60/40 VFINX/VBMFX portfolio from 1987 to 2026: rebalanced once a year it stays near 60%, never rebalanced it drifts to 94% stocks by September 2026

How often to rebalance portfolio? Once a year: in a 40-year 60/40 Python backtest, 39 trades matched monthly’s 477 on Sharpe with a smaller drawdown.

Categories Finance, Investment, Pandas Library, Python Tags Pandas, Python

KDP Select vs Wide: 60 Wide Readers Replace 100 Kindle+ Readers (Long Books Should Stay)

October 27, 2026 by Michael
Featured line chart of how many full-price wide readers replace 100 Kindle+ readers by book length: at 300 KENP pages and $3.99 the answer is 60; the $2.99, $3.99 and $4.99 lines cross 100 at about 376, 502 and 628 KENP

KDP Select vs wide: 60 wide readers replace 100 Kindle+ readers for a 300-page $3.99 book, but long books win in Select. Python calculator inside.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Kindle Unlimited, Python, Self-Publishing

Are KDP Ads Worth It? A Standalone Breaks Even at $0.27 a Click, a 5-Book Series at $0.83

October 26, 2026 by Michael
Featured bar chart of the break-even cost per click for Amazon ads at a 10% conversion rate: $0.27 for a $3.99 standalone, $0.44 for a 5-book Kindle Unlimited series and $0.83 for a 5-book series at $3.99, against 2026 fiction clicks costing $0.70 to $0.90

Are KDP ads worth it? A $3.99 standalone breaks even at $0.27 a click, a 5-book series at $0.83, vs $0.70-0.90 fiction CPCs. Python calculator inside.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Kindle Unlimited, Python, Self-Publishing

KDP Launch Strategy: Book 1 Is Only 32% of the Money

October 26, 2026 by Michael
Featured bar chart of Kindlepreneur's series read-through example: per 100 full reads of Book 1 there were 65 of Book 2, 50 of Book 3, 48 of Book 4 and 45 of Book 5, so Book 1 is only 32% of the 308 books read and Books 2 to 5 bring 68%

KDP launch strategy for series authors: Book 1 is only 32% of a reader’s value. Pre-order rules, bank-or-publish math and a Python script for KU income.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Kindle Unlimited, Python, Romance Writing, Self-Publishing

How Much Can You Make on Kindle Unlimited? $1.43 per 300-Page Read, 699 Reads for $1,000

October 25, 2026 by Michael
Featured line chart, Jan 2020 to Sep 2026, indexed to the 2020 average: the KDP Select Global Fund grew 103% (from $31.4M to $63.8M a month) while the US Kindle Unlimited pay per page rose only 6.7% (from $0.004467 to $0.004768)

How much can you make on Kindle Unlimited? About $1.43 per full 300-page read in 2026, so $1,000/month needs ~699 reads. Series math + Python script.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Kindle Unlimited, Python, Romance Writing, Self-Publishing

Lump Sum vs DCA S&P 500: A 3-Month DCA Lost Money More Often Than Investing at Once

October 25, 2026 by Michael
Featured bar chart: share of 453 one-year windows of the S&P 500 (starts Jan 1988 to Sep 2025) that ended down: lump sum 16.3%, 3-month DCA 16.6%, 6-month DCA 16.3%, 12-month DCA 15.9%; down more than 20%: 4.4%, 4.0%, 2.2%, 1.5%

Lump sum vs DCA S&P 500 since 1988: lump sum won 65-78% of 453 start months, and DCA barely changed the odds of a losing year. Python script included.

Categories Finance, Investment, Pandas Library, Python Tags Pandas, Python

KDP AI Book Cover Math: 25 Designer Covers Cost $20,000, a Hybrid $4,000

October 24, 2026 by Michael
Featured bar chart: cover spend for a 25-book KDP portfolio (5 series of 5): $800 Reedsy romance median on every book costs $20,000 and 7,435 sales at $3.99 to pay back; $250 per cover costs $6,250 (2,324 sales); a hybrid with $800 only on each Book 1 costs $4,000 (1,487 sales); AI covers cost $0 cash

KDP AI book cover rules and math: disclose AI images, use 1600×2560. 25 designer romance covers cost $20,000; a hybrid $4,000. Python payback calculator.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Python, Python Projects, Romance Writing, Self-Publishing

Multiple Pen Names on KDP: 3 Names Turn a 25-Month Path to 25 Books Into 75 Months

October 24, 2026 by Michael
Featured bar chart: at one book a month, one pen name reaches 25 books in 25 months, two pen names need 50 months each and three pen names need 75 months (6.25 years); dark segments show 10, 20 and 30 months to 10 books

Multiple pen names on KDP? KDP allows them, but at 1 book a month 3 names need 75 months to reach 25 books each. When splitting pays, with Python math.

Categories Books Tags AI Writing, Amazon KDP, Fiction Writing, Python, Python Projects, Romance Writing, Self-Publishing

Compare My Portfolio to the S&P 500: Why a 3.7-Point Loss Can Look Like a Win (Python)

October 23, 2026 by Michael
Featured bar chart: a 60/20/20 portfolio with $500 monthly deposits earned a 14.0% IRR, which looks 1.5 points ahead of the S&P 500's 12.5% lump-sum CAGR, but a shadow S&P 500 with the same deposits earned 17.7%, a real gap of minus 3.7 points a year (Oct 2021 to Oct 2026)

How to compare my portfolio to the S&P 500 the right way: a Python shadow benchmark on 5 years of real data turns a fake +1.5-point win into a 3.7-point loss.

Categories Finance, Investment, Pandas Library, Python Tags Pandas, Python

Best AI for Writing a Book Series: Book 5 Needs 213,000 Tokens of Memory

October 23, 2026 by Michael
Featured chart: tokens of earlier books an AI must hold before writing Books 2 to 10 of a 40,000-word-per-book series, rising from 53,333 to 480,000; Book 5 is highlighted at 213,333 tokens, above a 200k-token context window, while a story bible stays at 4,000 to 36,000 tokens

The best AI for writing a book series needs memory: by Book 5, Books 1-4 are 213,000 tokens. Why a story bible beats a bigger window, with Python math.

Categories Books Tags AI Writing, Amazon KDP, Claude API, Fiction Writing, Python Projects, Self-Publishing

How Often Can You Publish on KDP? 3 a Day Max, but Monthly Hits 25 Books in 25 Months

October 22, 2026 by Michael
Featured chart: months to reach 25 live KDP books by release cadence: 300 months at one a year, 75 quarterly, 50 every two months, 25 monthly (highlighted) and 12 every two weeks; 25+ books is where Written Word Media's 2025 survey finds a median of about $3,000 a month

How often can you publish on KDP? Up to 3 new titles a day, but 25+ books matters more: one a month gets you there in 25 months. Python math inside.

Categories Books Tags AI Writing, Amazon KDP, Passive Income, Python Projects, Self-Publishing

How to Price KDP Ebook Series: $3.99 Wins Alone, a $0.99 Book 1 Earns 2.1Γ— on 5 Books

October 22, 2026 by Michael
Featured chart: royalties per 100 promo shoppers on a five-book KDP ebook series by Book 1 price, Books 2-5 at $4.99: $749 at $0.99 (highlighted, 2.1 times $3.99), $392 at $1.99, $340 at $2.99, $363 at $3.99 and $239 at $4.99

How to price KDP ebook series: $3.99 earns most for a standalone, a $0.99 Book 1 earns 2.1x across 5 books, and paid ads favor $3.99. Python model inside.

Categories Books Tags AI Writing, Amazon KDP, Kindle Unlimited, Passive Income, Python Projects, Self-Publishing
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