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CBDC — Abstract Illustration by Anton Kkhidze

Why access to credit rather than interest rates should be the primary tool of monetary policy.

For policy makers to minimize the human misery from economic booms and busts it’s important they have the right tools for the job. For the better part of a century interest rates have gone unchallenged as the primary monetary tool for Central Bankers and policy makers. It’s time that we put modern economic theory to the test. This critique of monetary levers reviews the validity in the faith and emphasis of interest rates as the primary monetary lever and proposes the incorporation of access to credit to create a suite of monetary tools. …


Shining a light on the case for Buy Now, Pay Later from a consumer, investor and economic perspective.

Buy Now, Pay Later is trending with consumers, investors and regulators world wide. The reinvention of an old product onto new and exciting digital platforms has the world scrambling for more. As someone part of the generation using Buy Now, Pay Later for everything from dentistry to instagram critical Louis Vuitton bags, I feel it’s time we reviewed the proposition for consumers, retailers and the broader community.

Buy Now, Pay Later (BNPL)has generally been defined as a ‘payment service that allows consumers to delay payment or pay by instalments.’ For regulators a clear distinction of the product is that it…


Image by Standford University — Jennifer Kosig

Delving into the narratives of company earnings and what they mean for the economy.

The last month has been data overload. A huge range of corporate announcements and global economic data points have come together so we can sit down and read the tea leaves. Clear recurring trends are threading through the data but to keep things simple I’ve selected three core themes that I believe explain what’s happening and more importantly, what could happen. The themes I’ve observed are the toppy markets, the longevity of pressure and the failings of demand-oriented politics. Like most things economics and markets, these themes don’t make a whole lot of sense as standalone items. Pull them together…


Image by Andrew Nye, Manchester

Exploring sustainability, ESG and responsible investing approaches for your investment portfolio.

There’s two common myths about sustainability and responsible investing. Although its one of the most talked about topics at banks and dinner tables most of us fall into one of these two camps:

  1. Responsible investing creates alpha (above average returns)
  2. Responsible investing comes at the cost of returns

The reality is, neither of these statements is right or wrong. Which is precisely why we need to delve into the true nature of responsible investing and investment returns.

Now, inflation may be the hot topic driving investors, markets and central banks at the moment, but it’s sustainability that has been the…


Graphic by https://dribbble.com/Tubik

Managing risk, picking stocks and preparing your portfolio for the most talked-about macro thematic.

Investors around the world are concerned about inflation right now. Central Banks, economists and investors like Warren Buffet and Stanley Druckenmiller are debating whether inflation will be temporary and transitory or if it will be persistent and longer-term. It doesn’t matter which side of the fence you’re on, the numbers don’t lie. The U.S. recorded the highest inflation in 13 years and other countries are set to follow. As all good investors should, it’s time to manage your risk, make your stock picks and prepare your portfolio.

In this article, we’ll explore the core principles and drivers to managing the…


Exploring whether the scale of cash held by these multinational companies could impact money supply, productivity, inequality and more.

All that cash…Everyone from the Wall Street Journal, Bloomberg, CNBC, Moody’s and S&P have released content discussing the huge amounts of cash held by U.S. companies. After listening to a podcast discussing the distortions caused by ‘mega-companies’ and their cash holdings — I hit the pavement, went for a run and mulled it over. I came to the conclusion that those big time journalists might be wrong about the effects of this phenomena and the reality needed to be explored.

There’s no doubt that global monopolists like Microsoft, Apple, Alphabet (Google) and Facebook extract excessive profits and have amassed giant…


Let’s talk about whether employers could and should pay salaries in crypto like Dogecoin, Ethereum, and Bitcoin.

Cryptomania is fast approaching a tipping point. As more and more companies accept cryptocurrencies as a form of payment the pressure mounts to pay wages in Bitcoin, Ethereum and Dogecoin. NFL players have led the charge with Okung and Culkin seeking to get some or all of their salaries paid in Bitcoin. It’s not just NFL players and forward looking companies that are considering crypto as a valid currency and as more than just a speculative asset; but central banks like the PBOC are preparing to launch their own digital currencies. Even the U.S. Federal Reserve and Reserve Bank of…


Image: Kate Ballis — Aerial Pink

How the global supply of people and goods is dramatically reshaping the nation

Just below the surface, under the noise of COVID-19, is a global supply crisis. If things continue the way they are, with locked borders, locally-focused production, and a shutdown mentality then the world will be a dramatically different place. Driving the change are growing shortages in people, goods and materials like semi-conductors (computer chips), shipping containers, copper, wood pulp, coffee, truck drivers, farm workers and hospitality workers.

Politicians and businesses are praying that the consumer revival brings demand and supply back online. The reality is, everything takes time and their dreams of a V shape recovery and a return to…


Exploring the impact of social media on lives, businesses and economies — as well as the cost of becoming an influencer.

2007 was the year that changed the world. Apple launched the iPhone, the GFC began, Facebook overtook MySpace and introduced the like button, and Season 1 of Keeping Up with the Kardashians aired. These separate events have since weaved through each other to shape daily lives and the world today. Almost 80% of us will check our phones within 15 minutes of waking up and will continue to check them every 12 minutes throughout the day. …


Left Hook By Diana Stoyanova

Recapping the year that challenged everything we knew about how nations work, economics and what to expect from our futures.

2020 (the ‘year-who-must-not-be-named’) launched an all out attack on economics. At every turn there was an event, a person or a theory that was throwing economic principles and nations into disarray. Did the years assault break economics, and do we need to rethink everything we thought about how the world worked?

This article talks about high impact moments, their effects, and what they might mean for our futures and for economics.

Where we live+work

As every real estate agent says it’s all about location, location, location. Most of us have been staying in place for almost a year now and our lack of…

Chris Leeson

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