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...
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...
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...
Insurance

Long Term Care Insurance

Long-term care (LTC) insurance is coverage that provides personal or adult care for individuals above the age of 65 or with a chronic and disabling condition that needs constant supervision. It also provides nursing-home care and home-health care. Individuals in need of long-term care insurance are not generally sick, it...
Retirement

The F.I.R.E (Financial Independence Retire Early) Movement

When you hear the terms ‘Financial Independence’ and ‘Early Retirement’, you cannot help but be excited and want a part of it. It sounds appealing. The F.I.R.E movement has been gaining momentum in recent years. The FIRE crowd talks about a debt-free lifestyle, healthy savings rates, smart low-fee investing and...
Retirement

Retirement – The Golden Years

Retirement, as most of us perceive it, is the golden years of our lives. The perception of retirement, however, is different for each individual. For many of us, the word “Retirement’ would bring to mind a picture of a 70-year-old person sitting on a rocking chair with a newspaper or...
Personal Finance

Understanding and Managing Debt

The desire to want things and have them instantly in our possession is one of the root causes of debt. At some point in their lives, many people find themselves in a financial crisis. The crisis can be caused by situations like unavoidable medical expenses, loss of a job, college...
Personal Finance

Getting Financially Fit

There are numerous steps we take to remain healthy or get healthy. We go on diets, exercise regularly, sleep for seven to eight hours, maintain a healthy mindset and so on. One of the reasons most people take a decision to go down this road is when they are faced...
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