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STUDENT FINANCE REVIEW


Foreign Investment in Dubai Can the City’s Property Boom Survive Regional Conflict?
Dubai, and the UAE have created a strong reputation because of a simple belief. This belief is that Dubai is a place where capital feels safe. For many years, this perception has brought in billions from foreign investors which has expanded Dubai’s property market significantly. Unfortunately, today that foundation is being compromised. A widening conflict between Iran, Israel, and the United States of America has started a regional war across the Middle East, which has dis
Apr 234 min read


Why Do So Many Young People Struggle With Credit Cards?
A lot of people believe that credit card debt is caused by being inherently bad with money. Individuals that spend a lot of money but do not save end up in debt and have to pay high interest rates on their cards. However, Professor Theresa Kuchler’s paper entitled “Sticking to Your Plan: The Role of Present Bias for Credit Card Paydown” demonstrates that is not the case for credit card debt. While many people do want to pay off their credit card balances, they fail to follow
Apr 223 min read


Why Luxury and Discount Retail Stocks Are Outperforming the Middle Market
In today’s retail landscape, a clear divide has emerged: luxury and discount retail stocks have been significantly outperforming the middle market. This phenomenon, sometimes referred to as a “K-shaped recovery,” mirrors growing income inequality, changing consumer behavior and structural weaknesses in mid-tier retail. As a result, investors are increasingly fixated on companies positioned at either market extreme. One of the main agents guiding this divergence is income po
Apr 213 min read


Why Office-to-Residential Conversions Are Becoming America’s New Real Estate Trend
Background The U.S. commercial real estate market is going through big changes, which are mainly caused by changes in how people work. Since the COVID-19 pandemic, remote and hybrid work have reduced the demand that there used to be for traditional office space. Even as companies are trying to bring employees back, the utilization rates are below pre-2020 levels, which is causing many office buildings to be a little empty or entirely vacant. This has now changed into a bigger
Apr 154 min read


The Middle Ground: Growth Equity
While Venture Capital is better known for “unicorns” and Private Equity is more famous for its big bets in buyouts, Growth Equity has become the middle child of finance. Increasingly, Growth Equity is the fuel that businesses most need: enough capital to keep growing, but not so much that it changes constraints on a business's independence or core identity. Growth Equity is the playbook for scaling a great company already on a path of rapid growth. Background Information Grow
Apr 144 min read


The Risk of Stagflation in a Slowing US Economy
Stagflation is one of the most feared economic crises that a nation can encounter. It occurs when there is no growth in the economy yet inflation continues, causing the average person to suffer and leaving policy makers helpless. Most Americans have not lived through a stagflation experience, with the last true case of U.S. stagflation occurring in the 1970s , as oil shocks drove up the cost of energy while the overall economy remained at a standstill. Today, tariff pressures
Apr 102 min read


The SaaS-pocalypse: Why Investors Continue to Bet Against Software
For two decades, software-as-a-service (SaaS) was Wall Street’s favorite trade. Investors treated SaaS practically like a bond with a growth rate attached, prized for its sticky revenue, high margins, and predictable churn. But that story has now been aggressively, and possibly permanently, repriced. The Seeds of a Shift The warning signs of the current crisis were actually visible well before 2026. Last year, industry giants like Adobe and Salesforce lost 21% of their valu
Apr 83 min read


Global Security Concerns Lift Aerospace & Defense Stocks
With rising geopolitical tensions and an increasingly unstable global security environment, aerospace and defense stocks are experiencing renewed investor interest. From escalating conflicts in the Middle East, governments are quickily ramping up defense spending at levels not seen in many decades, positioning defense contractors as key beneficiaries of this structural shift. Background: A New Era of Defense Spending Global military spending has increased as nations prioriti
Apr 63 min read


Crypto Scams & Rug-Pulls: How to Stay Safe When Dealing in Crypto
With the invention and rise of cryptocurrency in recent years, digital assets have promised a new era of decentralized finance defined by transparency and autonomy. Yet alongside the innovation, fraud has run rampant. In 2023 alone, losses resulting from crypto fraud grew 45%, costing investors more than $5.6 billion. As adoption increases, understanding these risks is no longer optional. What makes crypto so vulnerable to scams? How can users protect themselves in an evolvi
Apr 13 min read


One Waterway Carrying 20% of the World's Oil Just Shut Down: Every Central Bank on Earth Is Scrambling
Background Info The Strait of Hormuz, a narrow waterway between Iran and Oman, has become the epicenter of a global energy crisis. This critical chokepoint is just two miles wide at its narrowest navigable point yet handles approximately 20 million barrels of oil per day , representing roughly 20-27% of the world's seaborne oil trade. The strait also carries 93% of Qatar's LNG exports , making it indispensable to global energy markets. In normal times, around 24 oil tankers
Mar 302 min read


What Mamdani's Housing Project Means for NYC
Zohran Mamdani won the mayoral race for New York City on big campaign promises - freezing rents, helping small businesses, and free buses - all of which are to be financed by increasing taxes on the most profitable corporations and the ultra-wealthy one percent of New Yorkers. In his most recent visit to Washington, he made a huge proposal: build over 12,000 affordable housing units over the Sunnyside Rail Yard in Queens. Background New York City is one of the most housing-
Mar 294 min read


How the Iran Conflict Could Trigger U.S. Inflation
Background Information: Geopolitical disputes in the Middle East have long played a critical role in shaping global economic conditions, particularly through their impact on the highly dependable oil markets. Iran, as a major oil producer and a key player in the Strait of Hormuz , through which roughly 20% of the world’s oil supply passes, wields significant influence over global oil prices. Historically, disruptions in this region have led to spikes in energy costs, notably
Mar 262 min read


Lebanon’s Economic Rebound Amid Reforms
Lebanon has been undergoing one of the worst economic crises in its history. Since 2019, Lebanon has been experiencing a complete economic meltdown due to poor governance, corruption, and overspending in the country. Lebanon’s total economic output has fallen by almost 40 percent since the economic crisis started . The Lebanese currency has lost its value, people are unable to withdraw their money from banks, and poverty has risen significantly in the country. Background It i
Mar 202 min read


Canola, EVs, and a New Trade Balance: Inside Canada and China's January 2026 Deal
On January 16, 2026, Canadian Prime Minister Mark Carney wrapped up two days of meetings in Beijing with a deal that had been years in the making. Canada would cut its tariff on Chinese electric vehicles from 100% down to 6.1% for a set quota of imports. In return, China agreed to dramatically lower tariffs on Canadian canola and remove duties on several other agricultural products. It was the first visit by a Canadian prime minister to China since 2017 , and it came at a tim
Mar 174 min read


Why Anthropic’s Clash With the Pentagon Has Made It a Folk Hero in Silicon Valley
Government agencies are slowly becoming some of the most important customers for artificial intelligence products, such as LLMs, and the recent Pentagon-Anthropic clash shows both the opportunity and potential risks tech investors need to consider. Background Anthropic, founded in 2021 by OpenAI’s former Vice President of Research, Dario Amodei , won a $200 million Department of Defense contract in 2025. The agreement brought Anthropic’s Claude models into use by classified
Mar 113 min read


Walmart’s New CEO - Company Outlook & What it Means for Investors in 2026
Walmart Inc. (NYSE: WMT), the world’s largest retailer, entered 2026 with a major leadership change that signals both continuity and strategic evolution. On the 1st of February earlier this year, following Doug McMillon’s retirement, John Furner was established as Walmart’s latest CEO through completing a succession plan announced by the company’s board in late 2025. Furner’s appointment follows a long tenure within Walmart, where he worked his way up from an hourly associate
Mar 113 min read


Ford and Xiaomi: An Unlikely Alliance in the Global EV Race
With extreme competition in the electric vehicle market, legacy automakers are increasingly turning to unconventional partners to stay competitive. Recent reports suggest that Ford Motor Company has explored a potential collaboration with Chinese tech giant Xiaomi, underscoring how traditional car manufacturers are seeking technology driven alliances to compete with organic integrated EV leaders like Tesla and BYD. Background: Legacy Automakers Face a Technology Gap Ford has
Mar 62 min read


Elon Musk’s Dogecoin Crash: Understanding the Rise of Meme Coins
Dogecoin started as a joke. In 2013, software engineers Billy Markus and Jackson Palmer created it as a playful parody of the exploding cryptocurrency space, using the viral Shiba Inu “Doge” meme as its logo. Unlike Bitcoin , which has a fixed supply of 21 million coins and is often described as digital gold, or Ethereum, which powers smart contracts and decentralized applications, Dogecoin was never built around a major technological breakthrough. It has an inflationary supp
Mar 43 min read


Private Equity vs. Venture Capital: Same Goal, Completely Different Playbooks
Most people think Private Equity and Venture Capital mean the same thing in finance. Yet buried beneath shared goals sits a divide - one invests with control, the other without. Making money fast for those who invest drives both. Still, how they reach that outcome splits them sharply down the middle. While PE focuses on polishing and restructuring familiar companies, VC takes bigger risks by backing new ideas at high speed. Background Information Private Equity looks at fir
Feb 273 min read


Why Crypto Can't Seem to Break Into the Consumer Retail Market
Since the introduction of Bitcoin, enthusiasm for global digital currency – and potential of the blockchain – has grown dramatically. Yet, nearly two decades later, this long-anticipated shift still seems just out of reach for practical use in consumer markets. Why has this next step in financial transactions remained unrealized, and what continues to impede its adoption? Background Bitcoin – the first and largest cryptocurrency – was created in the aftermath of the 2008 fi
Feb 263 min read
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