archive2020

Education

The Pandemic Effect on Higher Education Expenses

Inflation can cause significant erosion in a person's spending power and high inflation is especially harmful. Inflation of 7% a year can essentially cause most items to almost double in price every 10 years. Thankfully inflation in most countries is well below that level but tuition inflation is another ball...
Bear Market
Investing

If You Didn’t Lose Money During The Great Recession….

The housing crisis in 2007 and 2008 that trigged the Great Recession was brutal for equity investors. Most major market indexes including the S&P 500 suffered peak to trough drops of as much as 57% over a 20 month period. Put another way, more than half of your portfolio was...
Personal Finance

Financial Preparedness for an Emergency

The 2008 recession was a wake up call for many who were not prepared for a black swan event. Little did we know back then that in barely over a decade the entire world will be locked down because of a pandemic. Most of us were not prepared to deal...
Education

The Post-Pandemic Education system

The coronavirus pandemic has changed how students are educated around the world. These changes give us a peek into the future of how education will change for better or worse in the long-term. At the onset of the pandemic, most governments around the world shut down educational institutions to contain...
Personal Finance

The Pandemic Paradigm

The past few months have brought about a paradigm shift in almost every aspect of our lives. We are yet to reach the point where we divide this era into pre-pandemic and post-pandemic. As COVID-19 sweeps across the globe, we have all started changing how we live and interact with...
DRIP
Investing

DRIP Baby, DRIP

Becoming a parent is a life altering event that comes with its joys and often trials and tribulations. As they hold their bundle of joy and admire the little miracle, rarely are young parents thinking beyond stocking up on more diapers or getting a full night of uninterrupted sleep. But...
Investing

When Is A Good Time To Sell?

A few years ago, I flew north to meet with a group of venture capitalists in Seattle and found myself in a conference room on the 34th floor of a building overlooking the waterfront and The Seattle Great Wheel. As venture capitalists, this group had decades of experience as private...
Housing

Should You Refinance Your Mortgage?

If you are a homeowner with a freshly minted sizable mortgage or someone with a seasoned mortgage that you have been paying down for years, the question of whether you should refinance your mortgage probably pops up often. There are several reasons homeowners consider refinancing their mortgage including,   i) taking...
Investing

Brokerage Firms Cut Their Commissions To Zero

There was a time when brokers, as members and owners, literally controlled the stock exchanges. Brokers earned commissions and also rebates on trading fees by providing investors access to financial markets. At that time, the brokerage commissions were fixed, hence brokers competed mainly on relationships with investors and the services...