November 2025

Economics

Global Inflation, Local Suffering: Why Prices Soar Even When Wages Don’t

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Inflation is back with a vengeance across the globe, and everyday people are feeling the pain. In the wake of the COVID-19 pandemic, consumer prices have surged at rates not seen in decades, catching many households and policymakers off guard. Shoppers from Chicago to Cairo have watched the cost of food, fuel, housing, and other essentials climb relentlessly. Yet even as paychecks grew in nominal terms, wages have failed to keep pace with the soaring prices.… Read more
Economics, News

The Collapse of Homeownership: Why Millennials May Never Own Property

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In previous generations, owning a home by early adulthood was a rite of passage. Today, for millions of Millennials and even Gen Z, the goal of homeownership is becoming increasingly elusive. In the United States and United Kingdom, younger adults face soaring property prices, stagnant wages, and fierce competition that have pushed the dream of owning property out of reach. Meanwhile in China, a very different story has unfolded – homeownership rates have surged to world-leading levels, though not without caveats.… Read more
Financial Management

Mastering the Cashflow Quadrant: A Quick Guide to Income Freedom

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Imagine being able to choose how you earn money – whether by working for someone, working for yourself, owning a business, or letting your money work for you. Each of these paths represents a different Cashflow Quadrant, a concept that categorizes the sources of income into four distinct types. Mastering these quadrants is key to achieving income freedom, where your livelihood no longer depends solely on trading time for money. This guide will walk you through each quadrant – Employee, Self-Employed, Business Owner, Investor – explaining their mindsets, financial implications, pros and cons, and how you can transition from one quadrant to another on your journey to financial independence.… Read more
Economics

What Is Causing the Cost of Living Crisis?

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The world’s leading economies are in the grip of a cost-of-living crisis – a situation where the prices of essential goods and services are rising much faster than household incomes. In the United States, United Kingdom, and European Union, inflation has surged to the highest levels in decades, eroding real wages and straining household budgets. Energy and food bills have spiked, rent and home prices are out of reach for many, and basic expenses like childcare, healthcare, and education are increasingly unaffordable.… Read more
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Economics, News

The Decline of Skilled Trades: Why Plumbers and Electricians Now Earn More Than Graduates

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In recent years, a striking shift has emerged in labor markets on both sides of the Atlantic: many skilled tradespeople now out-earn average university graduates. Data show that electricians and plumbers earn median salaries around $60–62K in the U.S. and £45K–50K in the UK, figures that often exceed what many graduates take home in their first jobs. Meanwhile, college graduates face high tuition costs and mounting debts – averaging $39K in student loans in the U.S.… Read more
Economics

The Growth Illusion: A Disconnect Between Statistics and Reality

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Despite years of reported GDP growth and historically low headline unemployment, many people feel no growth in their living standards. Median wages and household incomes have barely budged in real terms, while essential costs — housing, energy, healthcare, childcare — have surged. For example, in the U.S. median household income (adjusted for inflation) was only 4.0% higher in 2023 than 2019, effectively just recovering lost ground. In the UK, official figures show that median real disposable income fell 1.6% from 2019/20 to 2022/23, and dropped another 2.0% in 2023/24, erasing much of last decade’s gains.… Read more
Business and Technology, News

Corporate Surveillance: Are Employees Still Entitled to Privacy?

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In the digital age, many employers are using advanced technology to monitor their workforce. This ranges from simple CCTV cameras in office hallways to complex software tracking keystrokes, screen time, and even emotions. A U.S. government report notes that modern “bossware” tools cover a wide spectrum – including cameras, microphones, computer-monitoring programs, GPS trackers, app analytics, and wearable health sensors – across industries like warehousing, retail, trucking, healthcare and finance. (See illustration below.)… Read more
Economics, News

The Death of the Middle Class: Is the Global Economy Designed to Fail Ordinary Workers?

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In recent decades, the “middle class” in advanced economies has come under intense pressure. Across the United States, the United Kingdom, and the European Union, median-income families have seen their incomes stagnate while the costs of housing, education, and healthcare have soared. Their share of national wealth and income has shrunk even as corporate profits and the incomes of the very rich have climbed. Union membership and collective bargaining power have weakened, workplace protections eroded, and new “gig” and part-time jobs have proliferated.… Read more
Accounting, Auditing

When Accounting Rules Create Chaos: How Standards Contribute to Financial Crises

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Accounting is meant to bring clarity and accountability, yet the rules designed to shed light on risks can sometimes hide them. In every major financial collapse of recent decades – from Enron and WorldCom to the 2008 crash and the Silicon Valley Bank failure – accounting standards played a starring role. This article explores how U.S. GAAP and global IFRS rules, even when created with the best intentions, may enable or obscure underlying dangers.… Read more
Economics, News

The Great Wealth Transfer: How the Top 1% Is Reshaping the Global Economy

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Over the next few decades, an unprecedented flow of assets will pass from older generations to their heirs. In the United States alone, analysts estimate nearly $124 trillion in assets will “change hands” by 2048, a sum many call the largest intergenerational transfer in history. Globally, banks and consultancies project on the order of $80–100 trillion will shift from Baby Boomers to Gen X, Millennials and Gen Z in coming decades.… Read more
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