Investments and Business

The cost of financing a new vehicle has surged, leaving many families struggling to manage monthly expenses. Rising interest rates and higher car prices are driving auto loan payments to unprecedented levels.Americans are facing a growing financial challenge as the average car loan payment approaches $1,000 per month. This increase is straining household budgets, forcing families to rethink their spending priorities and in some cases, delay other essential expenses. Analysts warn that the combination of elevated car prices and higher interest rates is fueling this trend, which shows little sign of easing in the near term.Auto loans, long viewed as…

The concept of break-even point (BEP) plays a key role in financial evaluations and routine business planning, marking when a company’s total income matches its overall expenses, leaving neither gain nor deficit. Once organizations move past this point, they start generating profits, while falling short indicates they are incurring losses. Identifying the break-even point remains essential for entrepreneurs, investors, and managers, as it informs pricing, operational choices, and risk analysis.Key Elements That Contribute to a Break-Even AnalysisTo fully grasp the break-even point, one needs to differentiate between fixed costs and variable costs:Fixed Costs: These remain constant regardless of production output.…

As AI-powered tools increasingly manage our daily tasks, more people are seeking ways to unplug and engage with the physical world. The movement, often called the “analog lifestyle,” focuses on slowing down, enjoying hands-on activities, and reclaiming moments from screens and generative AI.The trend keeps accelerating, though its exact scale remains difficult to pin down. Pastimes once viewed as outdated, including knitting, painting, and various crafts, are experiencing renewed momentum. Arts and crafts retailer Michael’s has noted a 136% jump in searches for “analog hobbies” over the last half-year. Purchases of guided craft kits climbed 86% in 2025, with forecasts…

Recording every business transaction may seem like an excessive administrative task, especially for small enterprises or startups with limited resources. However, diligent record-keeping is a cornerstone of sound financial management, legal compliance, and strategic planning. This article explores in depth the reasons why documenting every transaction can be the defining factor between sustainable growth and operational chaos.Ensuring Precise and Trustworthy Financial PracticesPrecise financial documentation goes beyond standard accounting practices; it is fundamental to portraying the real financial standing of a business. By logging every sale, expense, investment, or loan, business owners are able to:1. Prevent Fraud and Misuse: Comprehensive transaction…

Every business, regardless of size or industry, encounters a wide range of expenses in its daily operations. An essential part of managing these expenses effectively lies in understanding how they behave as a company’s production volume changes. To this end, costs are most commonly classified into fixed costs and variable costs. This distinction is fundamental for budgeting, pricing strategies, and overall financial planning.Clarifying Fixed CostsFixed costs refer to those expenses that remain constant over a given period, regardless of the business's level of production or sales volume. These costs are incurred even if a business produces no goods or services…

Every organization, from an emerging startup to a global corporation, needs to thoughtfully evaluate how it manages its finances. A central pillar of any company’s financial strategy is business saving. In contrast to personal saving, business saving involves intentionally setting aside a share of net profits or cash flow, reserving it for uses beyond immediate spending or reinvestment. These savings can take the form of cash buffers, short-term investment vehicles, long-term capital funds, or other types of retained earnings.Strong business saving practices equip companies with a financial buffer, fostering agility in unpredictable markets. This resilience is at the core of…

The European Institute of Business and Economics (ISEEN) has unveiled its MBA in Digital Transformation & Artificial Intelligence, a 100% online program crafted to support professionals in linking digital strategy, data capabilities, and AI-driven management to tangible business outcomes such as growth, operational efficiency, innovation, and enhanced customer experience.Delivered through a flexible executive format, the MBA in Digital Transformation & Artificial Intelligence is aimed at leaders and professionals who need to accelerate digital execution inside their organizations while maintaining the academic rigor and international perspective of a European business education.A European-level MBA program delivering 60 ECTS and offering 1,500 hours of hands-on,…

Contrary to earlier fears, employment opportunities in the United States increased in October, hitting the highest level in five months. Yet beneath the surface, the labor market continues to show signs of strain.October’s labor market data presents a complex picture: while the number of available jobs edged higher, underlying metrics indicate continued softness. The Bureau of Labor Statistics (BLS) reported that there were approximately 7.67 million job openings at the end of the month, slightly up from 7.66 million in September and 7.23 million in August, the last data available before the federal government shutdown. Despite this modest increase in…

Grasping the intricacies of small business finance extends beyond mere numerical analysis; it involves skillfully traversing a terrain fraught with potential errors that could impede expansion and resilience. Regardless of whether one is launching a new venture or maintaining an expanding company, sidestepping crucial financial blunders is paramount for securing enduring prosperity.Neglecting Proper Cash Flow ManagementA staggering number of small businesses struggle due to poor cash flow management. Unlike profitability, which is an abstract on paper, cash flow determines whether you can pay suppliers, meet payroll, and invest in opportunities. Entrepreneurs, enamored with sales growth, sometimes overlook the liquidity required…

Kimberly-Clark is set to acquire Tylenol’s parent company Kenvue in a nearly $50 billion deal, creating one of the largest consumer products conglomerates in the world. The merger combines a portfolio of household brands with global reach, but it also comes with notable financial and regulatory risks that both companies must navigate carefully.A pivotal consumer goods acquisitionThe integration of Kenvue, a company that originated from Johnson & Johnson in 2022, brings together renowned brands such as Tylenol, Johnson’s baby items, Clean & Clear, Kleenex, Listerine, and Depends under a single corporate entity, alongside Kimberly-Clark’s current product range. The organizations anticipate…