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.

Previously fragmented, India has undergone integration over the past decade through the expansion of highway networks, tripling of local airline traffic, implementation of GST, and advancing towards a digital economy by incorporating advancements like Aadhaar (2010), UPI (2016), and ONDC (2022). These advancements will provide India with a worldwide edge in the flow of money and goods.

US Yield Curve is inverted, indicating recession, massive quantitative easing /money printing has plunged the value of the US dollar in real terms due to increased inflation, while interest rate hikes have artificially propped up demand relatively. As the world's reserve currency, the US has control over money printing and refinancing debt, but the increase in US debt raises global economic risks. BRICS nations are considering creating their own reserve currency due to their combined GDP potential by 2030 and getting joined by Saudi. Russia and China have increased their gold reserves, a safe haven asset, as a solid foundation for a new currency. In due time if US asset-debt-inflation bubble pops, it will be the death knell for petrodollar backed US fiat reserve currency hegemony and usher in a new global economy.

According to a report by BCG, just one of the future applications of cryptocurrency has the potential to represent a market value of 16 trillion dollars, which is equivalent to 10% of global GDP. Asset tokenization solves the problem of inaccessible investments by storing fractionalized assets on a secure, immutable, and tamper-proof blockchain. This allows for investment in assets like wine, which would typically require a large amount of capital and time commitment, to be made possible. By using asset tokenization, ownership can be accurately accounted for, making it easier for individuals to invest in a variety of assets, even those with complex and manual processes.

Cryptocurrencies are digital currencies that use cryptography to secure transactions and control the creation of new units of currency. They can be sent directly from one party to another without the need of any intermediary, such as a bank or government. Investing in cryptocurrencies is not for the faint-hearted. It is a volatile asset class where you can make or lose money quickly. Due to the increasing number of cryptocurrencies and exchanges, it is important to do your research before you invest in any cryptocurrency and then manage the investments well.

A mid-2020 United Nations Department of Economic and Social Affairs report expects COVID-19 to slash global economic output by a whopping $8.5 trillion over next two years wiping out nearly all gains of the previous four years. The global economy is projected to contract sharply by 3.2 – 5 % this year. This will push more than 34 million people into extreme poverty in 2020 with 56% of this increase occurring in African countries erasing all the progress made in the last 4 years. An additional 130 million people may join to the ranks of people living in extreme poverty by 2030, dealing a huge blow to global efforts for eradicating extreme poverty and hunger. This pandemic, is disproportionately hurting low-skilled, low-wage jobs, while leaving higher-skilled jobs less affected. This will further widen income inequality within and between countries.