All of Jeff Bezos’ Amazon Letters to Shareholders together in one PDF through Fiscal Year 2019

For your reading pleasure and business edification, here’s the complete set of Amazon Shareholder Letters penned by former CEO, founder, and executive chairman of the board Jeff Bezos in one handy PDF file:

Jeff Bezos – Compilation of Amazon Shareholder Letters since 1997.pdf

This volume starts with the classic and first 1997 letter and ends with the Fiscal Year 2019 letter which came out in 2020. Bezos is known for his clear and profound thinking about business generally, how to delight customers, and how to build and sustain an incredibly innovative enterprise.

(Special thanks go to the good people that maintain the free version of PDF Split and Merge which I used to compile this, and to whomever already did the work for letters from 1997 – 2012 that I started with.)

Measure your Financial Fitness right now with this 2-minute quiz

It’s hard to gauge someone’s entire financial picture with only five questions, but I picked out the ones that I thought are most revealing about how someone is doing financially and put together a 2-minute quiz here:

https://www.surveymonkey.com/r/9T9XY5R

Take it to see your own results and see how you stack up to other readers of this blog (a high-achieving bunch in general!)

Let me know what you think in the comments here, or if you have any recommended improvements to the quiz that would make it easier to answer.

2020 UPDATE: All of Jeff Bezos’ Amazon Letters to Shareholders together in one PDF through Fiscal Year 2019

For your reading pleasure and business edification, here’s the complete set of Amazon Shareholder Letters penned by CEO and founder Jeff Bezos in one handy PDF file:

Jeff Bezos – Compilation of Amazon Shareholder Letters 1997-2019.pdf

This volume starts with the classic and first 1997 letter and ends with the Fiscal Year 2019 letter which came out in 2020. Bezos is known for his clear and profound thinking about business generally, how to delight customers, and how to build and sustain an incredibly innovative enterprise.

(Special thanks go to the good people that maintain the free version of PDF Split and Merge which I used to compile this, and to whomever already did the work for letters from 1997 – 2012 that I started with.)

How does your credit score stack up against the average for your age group?

I ran across this article while trying to find some data on average/median credit scores by age group.  They had a handy graph (see below), courtesy of my favorite free FICO-like credit score site, Credit Karma.

Why should you care about your credit score?

As financial writers like Ramit Sethi have pointed out, your credit score is crucial when it comes to saving BIG BUCKS on loans (via a lower interest rate) for items like cars & homes.  Additionally, folks ranging from landlords to employers to cable companies are using credit score to evaluate you, so keep your credit score high!

What the data says

As you might expect, credit scores tend to increase with age.  Those aged 25 – 34 have an average credit score of about 650, while those over 55 have an average of about 725.

Another useful metric is the FICO median credit score for the US, which is 723.  (‘Median’ means 50% of people have a score below 723, and 50% have one above, whereas average just combines everyone’s score & divides by the total population, which allows really bad, or really good, scores to move the average a lot more than they’d move the median.)

Since the median method of calculation keeps terrible scores from dragging down the average (which is probably why it’s higher than the average score shown in the chart below), this is probably a better measure to benchmark yourself against if you’ve never had any terrible credit history (default, bankruptcy, foreclosure, etc.)

So, where do you rank?

I recommend you get your credit score by signing up (quickly, and with no hassles or gimmicks!) for a free account at creditkarma.com.  (I’ve used them to check my score every year or so for the past few years, and have been very happy with their site.)

Anything over 750 range is good, with a good goal being around 780 or above.

Check out the above-linked article from Ramit Sethi on how to improve your credit score if it needs a boost!