Understanding the Housing Market Cycle Understanding the Housing Market Cycle (image credits: unsplash) The housing market is much like the seasons, with cycles of growth and decline. During a crash, property values can plummet, offering golden opportunities for those who know where to look. Historically, housing prices have been known to drop by as much ...
Understanding Money Mindset Understanding Money Mindset (image credits: pexels) Money mindset is essentially how we think about money, and it can shape every financial decision we make. It’s like having a pair of glasses through which we see our financial world. People from different social classes often wear different “glasses,” influencing their attitudes toward spending, ...
The Illusion of Generosity The Illusion of Generosity (image credits: pexels) Billionaires often make headlines with their charitable donations, but the reality of their generosity is more complex than it seems. Many people believe that these wealthy individuals are making significant contributions to society through their philanthropy. However, a closer look reveals that the impact ...
The Invisible Hand: Supply Chains in Everyday Life The Invisible Hand: Supply Chains in Everyday Life (image credits: rawpixel) Global supply chains are like the invisible puppet masters of the market. They determine what products are available, their price, and even their quality. Imagine wanting a specific brand of coffee, only to find it’s unavailable ...
Interest Rate Adjustments Interest Rate Adjustments (image credits: wikimedia) Interest rates are one of the most direct tools central banks have at their disposal. By setting benchmark interest rates, they influence the cost of borrowing and the return on savings. When central banks decide to raise interest rates, borrowing becomes more expensive. This can translate ...
Set a Clear Savings Goal Set a Clear Savings Goal (image credits: pixabay) Saving for a house deposit is like planning a long road trip. You need to know your destination before you start driving. The first step is setting a clear savings goal. Typically, you’ll need 10-20% of your target home’s price for a ...
Rising Popularity in Cities Rising Popularity in Cities (image credits: rawpixel) Co-living spaces are emerging as a prominent trend in major urban centers around the world. With soaring rent prices and a limited supply of housing, people are seeking alternatives that offer more flexibility. Co-living spaces meet this demand by providing affordable living arrangements that ...
Lack of Financial Education Lack of Financial Education (image credits: wikimedia) Many students are stepping out of school gates without a clue about how to manage money. This isn’t just about counting pennies; it’s about budgeting, saving, investing, and tackling debt. Imagine being given a map without any directions; that’s what it’s like for many ...
More Money Boosts Happiness—But Only to a Point More Money Boosts Happiness—But Only to a Point (image credits: pixabay) It’s a common belief that more money leads to more happiness, but research suggests there’s a limit to this. Studies indicate that happiness tends to increase with income, but only up to a certain threshold—typically around ...
Financial Stress Increases Anxiety and Depression Financial Stress Increases Anxiety and Depression (image credits: flickr) Financial stress is a formidable adversary, often creeping into our lives uninvited and unwanted. Studies indicate that when people are besieged by financial difficulties, they are more prone to experiencing anxiety and depression. This is primarily due to the uncertainty ...
Jack Smith, B.Sc. Economics
Chris Divay, B.Sc. Finance
Chris Divay, B.Sc. Finance