Author

Ray Kowalski

Independent editorial contributor covering consumer reviews, family activities, smart home testing and entertainment business.

Articles by Ray Kowalski

Investing News

Women and Investing — Women and the Wealth Gap: How Advice Is Finally Changing

The wealth gap between women and men is measurable in earnings, credit history, and survey behavior. What the numbers show, and how financial advice is changing…

Ray Kowalski · Nov 1, 2026

Allocation

Factor Investing: What the Factors Are and How They Are Built

Factor investing is the practice of building portfolios around measured stock traits, from size and value to momentum, under documented construction rules and…

Ray Kowalski · Oct 30, 2026