The recent increase in the interest rate on the 30-year bond is having a significant impact on various markets, particularly the US housing market. The 30-year Treasury bond is considered the benchmark for determining the cost of a 30-year fixed mortgage and thus affects the profit margins of banks who loan money at a higher rate than what they earn through their Treasury bonds. The rise in interest rates due to general inflation makes it more expensive for people to afford mortgages, leading to a decrease in housing demand and making housing bonds less attractive. When the interest rate on a mortgage increase, the monthly payments become more expensive, making it difficult for many people to afford to buy a house. This, in turn, results in a decrease in housing demand, making housing bonds less attractive and worthless, especially for those with fixed-rate mortgages.

Euro dollar system is a type of ledger money in the banking sector, operating outside the US and transacting in US dollar denominations. Unlike traditional banking transactions, the Euro dollar system operates through a system of claims on US dollars rather than actual physical currency. This shift away from physical currency has allowed for a qualitative increase in the banking sector as transactions become more efficient and frictionless. As a result of its widespread use, it functions as the real reserve currency, allowing for ease of international transactions by intermediating between different countries, facilitating global commerce. It’s a decentralized system that expands and contracts based on the supply-demand of international private banks and businesses operating globally.

The crypto industry is considerably more dynamic than other asset classes in a lot of ways and can thus feel very overwhelming even to seasoned investors with experience in investing in crypto. Having an investment research checklist ensures that you don’t overlook any telling factors that might affect your gains or even wipe out your entire portfolio.Similar to investment in other asset classes, crypto too has its own intricacies and based on my research, this is the most comprehensive diligence checklist that I would personally use

Asia’s economies are among the world’s fastest developing. The increased use of cosmetic and personal care products in Asia has had an especially significant effect on formulating firms, as they too hope to benefit from the region’s growth. Performance-enhancing chemicals were regarded as corrective agents for weaker formulations thirty years ago. Emulsifiers, viscosity inhibitors, specialty surfactants, and other additives are now considered essential components of high-performing, low-cost consumer goods.

In 1977, Warren Buffett wrote an article on the stock market and noted that the return on capital had not kept pace with inflation and remained stuck at 12%. Despite inflation and interest rates rising to 10% and potentially 15%, corporations struggled to increase earnings to compensate for the decline in the value of the dollar. As a result, stocks fell in correlation with bonds. Buffett saw stocks as "equity coupons" that offered the potential for internal compounding at 12% compared to bonds at only 3-4%. In the stock market, many investors engage in attempts to outperform each other, but this leads to increased costs from fees and charges, as well as a thriving options market that consumes resources without contributing to overall productivity.