Understanding Financial Discipline Understanding Financial Discipline (image credits: unsplash) Financial discipline is much like learning to ride a bike. At first, it might seem overwhelming, but with practice, you can glide smoothly. Financial discipline is about managing your money wisely, ensuring you spend less than you earn. It’s not just about denying yourself pleasures but ...
Dividend Growth Investing: The Silent Wealth Builder Dividend Growth Investing: The Silent Wealth Builder (image credits: unsplash) Dividend growth investing might not be the flashiest strategy, but it has proven to be a steady and reliable wealth builder. By focusing on companies that regularly increase their dividend payouts, investors can benefit from a growing stream ...
Understanding Inflation: A Simple Explanation Understanding Inflation: A Simple Explanation (image credits: pixabay) Inflation is a term that’s often thrown around in financial circles, but what does it really mean for the average person? At its core, inflation is the rate at which the general level of prices for goods and services rises, eroding purchasing ...
Starting your investment journey with just $100 may seem daunting, but it’s more achievable than ever. The world of investing, once considered exclusive to those with large sums of money, has opened its doors wide, welcoming everyone willing to take the plunge. The key is to take informed steps and utilize the tools and platforms ...
The Middle Class Is Shrinking—Fast The Middle Class Is Shrinking—Fast (image credits: wikimedia) The middle class has long been considered the backbone of a thriving economy. However, in recent decades, this economic pillar has been crumbling. In the United States, the middle class has shrunk significantly, dropping from 61% of the population in 1971 to ...
Budgets Fail Because They’re Too Restrictive Budgets Fail Because They’re Too Restrictive (image credits: pixabay) Creating a budget can sometimes feel like self-imposed punishment. Many people fall into the trap of setting overly restrictive budgets, thinking it will help them save more money. However, when you’re too strict, it’s like trying to diet by only ...
FOMO Drives Impulse Spending FOMO Drives Impulse Spending (image credits: pixabay) Social media platforms are like a never-ending parade of luxury and exclusivity. Every swipe, tap, or scroll can bring up images of lavish vacations, high-end gadgets, and the hottest fashion trends. This constant exposure to curated content significantly amplifies the Fear of Missing Out, ...
The Four Phases of the Cycle The Four Phases of the Cycle (image credits: pixabay) The real estate market follows a consistent pattern known as the four-phase cycle: Recovery, Expansion, Hyper-Supply, and Recession. These phases are like the seasons of real estate, each bringing unique characteristics and challenges. During the Recovery phase, market confidence begins ...
Carbon Tariffs Are Changing Global Trade Carbon Tariffs Are Changing Global Trade (image credits: pixabay) Carbon tariffs are emerging as a powerful tool to influence international trade dynamics. The European Union’s Carbon Border Adjustment Mechanism (CBAM) is a prime example. Introduced in 2023, the CBAM imposes tariffs on carbon-intensive imports such as steel, cement, and ...
Income Potential Income Potential (image credits: unsplash) When it comes to income potential, short-term rentals (STRs) can be like striking gold, particularly if you own a property in a high-demand area. Imagine having a charming beachfront cottage that you can rent out for $300 per night. Within just a few weeks, you could potentially earn ...
Jack Smith, B.Sc. Economics
Axel Wellington, B.Sc. Economic Policy
Matthias Binder, M.Sc. Financial Engineering