Introducing the series ‘Socialism always fails’. This is a line many of us hear over and over again, particularly from sources that most of us would define as being credible, such as news outlets, economists, and our peers who claim…
Full of buzzwords, abbreviations, and slick three-letter acronyms, wrapping your head around the world of finance can be difficult. But it doesn’t have to be.Welcome to the latest edition of Fluent Finance, where we break down financial jargon and topics…
It’s been around since the 19th century, but only started gaining serious traction in the 1960s. It’s secretly woven into nearly every part of your life, and yet you’ve probably never noticed it. It helped bring global markets to their…
Imagine walking into a bank and depositing £1,000 into your savings account. You might assume that money sits in a vault, waiting for you. But in reality, it’s on the move. Loaned out to a local business, funding a mortgage,…
Time to admit it: half the battle in high finance is understanding what anyone’s actually talking about. Throw around some Greek letters, acronyms, and made-up-sounding words, and suddenly you’re as confused as you were the first time you watched ‘The…
The Efficient Market Hypothesis (EMH), brought to the world’s attention by Eugene Fama in 1970, is one of the most influential and discussed financial theories out there. Whether you’re an investor, a student of finance, or just someone trying to…
Interest rates. A sometimes opaque and unclear concept which is affecting your everyday life in unimaginable ways. Understanding interest rates and the effect they have on the economy and the financial markets, and let’s be honest, more importantly to you,…
Building on our previous discussion, this blog delves deeper into the regulatory framework of banking, specifically how Basel III enhances financial stability and risk management—but don’t worry, we’ll keep it light and engaging. Basel III If the 2008 financial crisis…
The Big Mess The 2008 Global Financial Crisis (GFC) was not just another market downturn, it was a catastrophic failure of financial institutions, regulatory oversight, and common sense. What began as an overheated housing market in the U.S. quickly spiralled…
