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WELLS FARGO IS A DANGER TO THE MIDDLE CLASS The Financialization of Everything Is Killing the Middle Class

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A Series of Interest Rate Hikes Coming

A series of interest rate hikes coming this year, said the Federal Reserve Chairman Jerome Powell during his confirmation hearing before the U.S. Senate Committee on Banking, Housing, and Urban Affairs. The federal funds rate or benchmark rate is currently at a range of 0% to 0.25%.  This year, it can go up as high […]

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Capitalism Always Ignores Politics

Capitalism always ignores politics and significant social justice issues.  Rumor has it that Tesla Inc might move its headquarters to Austin, Texas.   The company held its annual shareholder meeting there yesterday.  Oracle, Apple (second-largest campus), Charles Schwab, and many more Silicon Valley companies have moved to Texas over the past couple of years.   Moreover, many […]

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All You Need to Know about the Financial crisis of 2007-2008

The financial crisis of 2007-2008 has lasting economic impacts.  In the fall of 2008, the US gross domestic product (GDP) fell by 4.3 percent. Two well-researched academic papers proposed a different reason for the Great Recession. The paper by Professor Baijnath Ramraika and Michael Benatar, titled “Real Estate Prices, Subprime Lending and Financial Crisis: Lessons […]

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Another Major City Piloted Universal Basic Income

Universal basic income (UBI) or guaranteed income has been gaining more and more momentum since then-presidential candidate Andrew Yang made it the cornerstone of his 2020 presidential run.   UBI promises to give people a fixed amount of money every month with no strings attached or stipulations on how to spend it.  According to Bloomberg, at […]

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Robinhood-GameStop Hearing & Payment for Order Flow

The GameStop, r/WallStreetBets and Robinhood’s saga last month dampened Robinhood IPO hope and fractured its “Investing for Everyone” slogan. The revolt against the popular trading platform might not be warranted. In case you missed GameStop, r/WallStreetBets, and Robinhood Mayhem, here is a recap. Members of the subreddit WallStreetBets were bullish on  GameStop’s stock.  They thought […]

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    A Case for Mandatory Personal Finance Education in Public Schools

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Auto Loans

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American Middle Class / Jan 29, 2023

We Should Teach Financial Literacy to All Americans?

Financial literacy is understanding and using financial knowledge to make informed decisions. With the average...