A newsletter for chronic overthinkers

You already
knew this
could happen.

Most people think about risk after it costs them money. The Hedge Apples is for the other kind — the ones who find it oddly satisfying to see something coming and already have a plan.

No spam. No fluff. One unsubscribe link, always at the bottom.

The Hedge Apples — botanical illustration of a hedge apple on a branch
Fuel hedging Key person insurance Interest rate risk Contract pricing Business interruption Commodity inputs Disability coverage Currency exposure Margin protection Buy-sell agreements Fuel hedging Key person insurance Interest rate risk Contract pricing Business interruption Commodity inputs Disability coverage Currency exposure Margin protection Buy-sell agreements

A little weird.
Oddly useful.

Hedge apples are lumpy, strange-looking, and wildly underappreciated. People drive past them every fall without a second glance. Some people, though, know exactly what they are and what they're good for.

The Hedge Apples newsletter is written for that kind of person. The chronic overthinker. The one who already wondered what happens if the rate moves, if the market turns, if the key person walks out. You just want someone to think it through with you.

Risk isn't abstract here. It's the fuel bill that ate your margin. The insurance policy that doesn't cover what you thought it did. The contract you signed before anyone told you there was a better way to write it. Specific, real, manageable — if you know the tools exist.

No jargon. No gatekeeping. Straight math and the occasional admission that some risks just aren't worth managing.

Hedge apples are a little bit different, a little weird — but the people who know about them think they're kind of great.

You might be one of those people.

— The Hedge Apples

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No spam. No frequency games. Just good thinking about risk, straight to your inbox.

We will never sell your email. Unsubscribe any time — we've thought enough about exits to know you should always have one.