Personal

Credit cards are often seen as a double-edged sword, offering financial flexibility while also posing a risk of debt accumulation. One form of misuse that’s not widely discussed is “credit cycling.” In essence, credit cycling occurs when consumers repeatedly max out their credit cards and pay off their balances just in time to spend again.
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Summer Fridays were once the crown jewel of workplace benefits—a coveted escape that allowed employees to savor sun-drenched afternoons and rejuvenate before the weekend. This delightful perk provided not just a reprieve from the daily grind, but offered a glimpse of recognition and appreciation from employers. Fast forward to today, and this cherished tradition is
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In 2025, Social Security beneficiaries received a meager 2.5% increase in their benefits—a figure that, while appearing generous at first glance, falls short of addressing the underlying economic struggles faced by millions. With the rising cost of living and soaring inflation rates, this adjustment seems more like a fleeting band-aid than a sustainable solution to
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In the ever-evolving landscape of American higher education, one fact remains starkly evident: international students are not just a footnote in economic terms; they are a lifeline. The statistics are profound. According to NAFSA: Association of International Educators, international students contributed a staggering $43.8 billion to the U.S. economy in the 2023-24 academic year. Massachusetts
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The ongoing debates surrounding President Trump’s far-reaching spending package have unveiled a controversial provision known as Section 899. Designed to impose a 20% tax on foreign investors benefitting from U.S. investments, this legislation has stirred discontent among significant financial stakeholders. Dubbed the “revenge tax” by some analysts, this measure not only threatens to disrupt international
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In the wake of the Great Resignation, where millions of Americans reassessed their career paths, a troubling trend emerged—workers are increasingly leaving behind valuable 401(k) retirement accounts in their former employers’ plans. As of 2023, an astonishing 29.2 million accounts are drifting in limbo, collectively holding $1.65 trillion in assets. This phenomenon is alarming, as
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Americans find themselves ensnared in a financial quagmire of credit card debt, currently totalling an alarming $1.18 trillion as of early 2025, as reported by the Federal Reserve Bank of New York. This staggering figure is a manifestation of a consumer culture that thrives on instant gratification, often overshadowed by the harsh realities of long-term
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