An academic & a former investment analyst. Currently a Ph.D. candidate at Aston University. Enjoys writing on a variety of topics to satiate curious minds.

Would you rather pay $588 or $50,000 a year to secure your future?

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Image: Gizchina.com

A cousin of mine was mentioning to me earlier last month that a friend of hers decided to sign up for multiple courses through Coursera. While I was applauding the young man for his initial steps what I heard afterward really got me thinking about the decisions young individuals are making regarding obtaining an education.

You see, college can be expensive depending on whether you decide to attend a public or private university, in-state vs out-of-state, whether you are entitled to pay domestic or international fees, etc. …


“It’s not very good as a store-hold of wealth”

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Image: Sven Carlin

Throughout much of human history, physical money has evolved from tokens connected to goods at warehouses to precious metals to promissory notes and now into paper and plastic notes backed by central banks.

In a nutshell, any “legal tender” backed by faith can be labelled and used as ‘money’.

Ray Dalio, the co-CIO and founder of the world’s largest hedge fund Bridgewater Associates recently tweeted his thoughts on Bitcoin and as to why it may not be the “future of currency”.

Any “legal tender” that can be used to purchase or sell other goods is essentially what people can label as a currency but there are a few other things that constitute what money is.

According to textbook definitions, “ money needs to be divisible, represent a store of value as well as be a medium of exchange”. …


It pays to invest in the future

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Image: Cointelegraph

When I boarded the flight to Toronto on 31st August 2010 little did I know that I would end up losing my entrance scholarship after my very first year of university.

Being an international student is a struggle in itself. Staying away from family, having to do all the daily chores whilst balancing studies isn’t something every southeast Asian boy/girl is accustomed to.

The transition from a confused science geek into an aspiring engineer dreaming of constructing electric vehicles was not smooth.

Although I did manage to do well, it was not good enough to hold onto my entrance scholarship at the University of Toronto. I was feeling guilty in having to ask my parents to fund all the expenses from then onwards because, let’s face it, paying upwards of $33,000 was by no means possible for a college student working a side-job in a call center.


Everything can be justified in hindsight or can it?

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Image: MyWallSt blog

The U.S. job market hit rock bottom during the second quarter of 2020 when more than 40 million Americans filed for unemployment all while the economy shrunk by 32.9 percent.

The coronavirus pandemic had forced the world’s largest economy to become completely dysfunctional even though certain states were not exactly under a 100 percent ‘strict lockdown’.

The unemployment rate was being compared to the likes of the Great Depression and the only thing that bought people joy was a $1200 stimulus cheque, which the government had hoped would ease the burden on the middle class.

Americans had taken to the streets to protest police brutality in addition to racial and economic inequality. People from all over the globe were still not over the sheer brutality that George Floyd had faced and yet on Wall Street, the picture looked completely different. …


Increased search crawler activity is threatening Google’s existence

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Image credit: wallpaperup

The following excerpt is taken from Apple’s “Think Different” Campaign:

“Here’s to the crazy ones — the misfits, the rebels, the troublemakers, the round pegs in the square holes. The ones who see things differently — they’re not fond of rules. You can quote them, disagree with them, glorify or vilify them, but the only thing you can’t do is ignore them because they change things. …


The world’s largest hedge fund is betting big on this emerging economy

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Image credit: Cointelegraph

Bridgewater Associates is the world’s largest hedge fund, currently managing $140 billion in assets. Its CO-CIO and Founder, Ray Dalio made some dramatic changes as unveiled by the recent 13F filings.

The firm offers three options to its clients namely the Pure Alpha Fund, the All-Weather Fund, and the Pure Alpha Major Markets Fund, amongst which the Pure Alpha Fund seeks to outperform through active management in non-correlated asset classes, whereas the All-Weather Fund is managed exclusively through Dalio’s famous notion of the “all-weather portfolio” which involves a lot of fixed income securities and treasury securities within the US and other emerging economies. …


Why quantitative easing isn’t the cure we seek

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Photo by Morning Brew on Unsplash

Like the proverbial Pied Piper, the coronavirus pandemic has escorted all global economies into their most turbulent era of existence. The Pied Piper walked into the German village of Hamelin as a stranger and managed to amass a massive following, only for the followers to subsequently fall into a trap from which they never really recovered.

A similar stance can be taken for the Fed Chairman, Jerome Powell, and the central banks all around the world, as they continue to bolster investor confidence by printing out an excessive amount of the world’s “reserve currency”.

As governments have rolled out financial aid during the debilitating epidemic, perhaps a big question needs to be answered: “Is there a way to ensure that the benefits of all the government spending ultimately go to local economies rather than financial and corporate elites?” …


How Warren Buffett is navigating the markets

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Image: Gerry Miller at GettyImages

Up until September, the US markets rallied past ridiculous levels with new investors entering the markets buying call options and going long on stocks that many had little idea about. The NASDAQ had surpassed its previous highs and so did the S&P.

With the ongoing COVID-19 crisis many people would have been skeptical about investing more money into stocks simply because many investors have felt that a major pullback is long overdue.

Some investors had exited the market completely in March, while others have long advocated shifting capital to other safe havens such as gold. …


It’s not the “subscription affliction” phenomenon

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Illustration by: benedettocristofani.net

“To make the most of your money, I recommend sticking with mutual funds that don’t charge a commission when you buy or sell.” — Suze Orman

I was often told that mutual funds are the most convenient investment vehicles and banks are a risky industry to invest in. Especially in the subcontinent, the risk of defaulters paving their way to the riches is quite a common phenomenon, whereby the banks are then forced to seek bailouts from the government.

But despite that many people have put their faith into such organizations to facilitate their day to day transactions and needs.

But it is not the bank itself that completes the two-way process. As with a typical marketplace, there is a buyer and a seller. The “market” being the facilitator or intermediary that accommodates the buyer and seller under one roof to expedite the transaction. …


Was a $2 trillion market capitalization justified given the current economic environment?

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Image: Business Insider

The Covid-19 pandemic has helped millionaires become billionaires as the net wealth of the world’s richest people has surged twice as much if not more. Companies like Apple and Tesla managed to successfully split their shares given the irrational exuberance, while senior executives such as the CEO of Pfizer managed to convert his “paper wealth” into “liquid assets” aka cash after word leaked out of Pfizer’s successful clinical trials.

Even the likes of Jeff Bezos cashed out on some of his Amazon shares in July, when Amazon stock surged above $3000 a share, almost doubling in value prior to its existing valuation in the pre-pandemic era.

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