A new addictive craze has swept through first-world economies. Particularly targeting young adults, the ‘Buy now Pay Later’ short-term financing option can be used on a range of products from Coachella tickets to getting burritos delivered. Initially, this seems to…
With everything going on in the global economy, it’s easy to overlook the UK, but it was an eventful week for the island nation. From a Bank of England rate cut to fresh trade deals with India and the U.S.…
In recent weeks global markets have been in turmoil. Major stock indices have seen their greatest losses since the COVID pandemic, and tech stock CEOs have had billions wiped off their net worth. But even in chaos, some players always…
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,…
If you’ve been anywhere near the financial news recently, you’ll know that tariffs are back. Just days ago, in early April 2025, President Trump announced a wave of new reciprocal tariffs on every sovereign state in the world, from economic…
In a market shaken by increasing uncertainty, one commodity has stood out: gold. Year to date the precious metal has surged over 15% to over $3000 per ounce. As the price skyrockets, more and more people are trying to get…
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…
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…
