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The Zoe Blog

Dillon Ferguson

Director of Financial Planning @ Zoe Financial
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Team Lannister vs. Team Targaryen: Who Should the Iron Bank “Bank” On?

Posted by Dillon Ferguson on Aug 28, 2017 2:02:50 PM

When we consider the major players in the Game of Thrones, the Iron Bank of Braavos definitely isn’t the first to come to mind! But the biggest bank in the Seven Kingdoms shouldn’t be underestimated. Back in Season Four, Tywin tries to explain the importance of the Iron Bank to Cersei:

“One stone crumbles and another takes its place and the temple holds its form for a thousand years or more. And that’s what the Iron Bank is, a temple. We all live in its shadow and almost none of us know it. You can’t run from them, you can’t cheat them, you can’t sway them with excuses. If you owe them money and you don’t want to crumble yourself, you pay it back.”

Even Tyrion Lannister agrees that the Iron Bank has significant power, “If we fail to repay these loans, the bank will fund our enemies. One way or another, they always get their gold back.” If Tywin and Tyrion agree that the Iron Bank is significant (and they didn’t agree on much) we know they are a force to be reckoned with.

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Topics: Personal Finance

How much does a Game of Throne's dragon cost?

Posted by Dillon Ferguson on Jul 18, 2017 10:36:00 AM

Here’s a question I would like to propose... How much is a dragon worth?

My guess, $9.75 BILLION!

This past Sunday I woke up with the biggest smile on my face. After months of trading theories with friends and watching trailers on YouTube, the new season of Game of Thrones was finally here. I prepared myself by buying a plethora of junk food and watching old episodes.

And I can say with some certainty that I’m not the only one that did this.

With a number of potential wars on the horizon, I started to wonder how much of an advantage Khaleesi's dragons are. I mean she basically has air support when no one else does, which got me thinking, how much are her dragons worth?

Since we live in a free-market society and generally something is only worth what someone else is willing to pay for it, I had to figure out how much a dragon would sell for. Of course Game of Thrones dragons aren’t real (unfortunately) so the most similar living thing I could find was the cost of a Komodo dragon, which, if you’re curious will cost you around $30,000 - not counting the hefty fines you’ll end up paying if caught with one.

Since Komodo dragons can’t fly or spit fire I had to find something a little more comparable. This article talks about how the dragons in season 7 are about the size of a Boeing 747. We’re getting close but again, a 747 doesn’t have the destructive capabilities or our beloved dragons.

So what’s the closest thing?

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Topics: General

The Bitcoin Bubble - could Seinfeld help us?

Posted by Dillon Ferguson on Jun 30, 2017 12:48:22 PM

Those that know me well know that I’m a HUGE Seinfeld fan. In fact, I sometimes even imagine how my own day-to-day life would play out in an episode of Seinfeld. For instance, the other day my friend was telling me about how his current girlfriend uses way too many emojis in their text conversations and I immediately thought to myself: "Jerry would break up with a girl for this kind of thing!”.

I often watch reruns in my free time, a recent one being “The Opposite”, an episode in which George realizes that every decision he has ever made has turned out to be wrong and that his life is essentially the exact opposite of what it should be. Jerry tells him “if every instinct you have is wrong, then the opposite would have to be right”. This is when George starts to behave in the opposite way to how he normally would, to the point of telling a beautiful girl in the restaurant, “My name is George. I’m unemployed and I live with my parents”, which, to his surprise (and everyone else’s) actually works.

I was reminded of this episode as I read a newspaper article on the recent meteoric rise of Bitcoin. Now if you’ve been living under a rock and don’t know about Bitcoin, here’s an article that I think does a good job explaining it. Essentially, it’s a digital currency based on an underlying technology that has tremendous potential to be used for a number of different purposes.

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Topics: General

The Rise (and Fall) of First-Timers

Posted by Dillon Ferguson on Jun 21, 2017 5:53:42 PM


  • Why are there so many young first-time golf major winners?
  • A look at why the same generation that’s winning their first major championships, aren’t buying their first home


“People often say “there’s a first-time for everything”. Well, this past weekend was no different as Brooks Koepka won the 117th U.S. Open, a first for him. This makes Brooks the 7th consecutive first-time golf major champion.

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Topics: General

*All investing is subject to risk, including the possible loss of the money you invest.

**The projections or other information generated by Zoe Financial, Inc. regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.


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