Now more than ever

(Photo by Daan Stevens on Unsplash)

The COVID-19 pandemic is proving to be a profound challenge for billions of individuals.

But, it is also challenging the basic assumptions underpinning our societies.

One of these assumptions is the American societal refusal to treat healthcare as a universal right.

The U.S. Health System Today

In the midst of the COVID-19 pandemic, the U.S…


When and Why Tesla chooses not to innovate.

To innovate or imitate?

Innovation, or its antithesis, imitation, are both strategies that companies employ, for better and for worse; it seems clear from the divergence of views in strategic management theory that neither innovation or imitation are ultimately superior to one another.

Innovation and imitation are individually advantageous at certain points in time…


How cultural knowledge can improve your marketing skills

Photo by Bin Foch on Unsplash

Marketing Genius: Creating the Myth

Consider the marketing genius behind bottled water.

In the Western World, bottled water represents excess: a ubiquitous commodity available in millions of homes direct from the tap for next to nothing is packaged and sold, often at over a hundred times the cost of the water itself.

Much of the…


The Why, the When and the What

Photo by Jon Tyson on Unsplash

Why do I want to Invest?

Many of us have dreams that seem unachievable because money gets in the way. I’m not talking about owning private jets or islands; I’m talking about going on that dream holiday, saving to go to college, or starting a business.

Investing can be the answer to these dreams, and it…


The Mini, the Air, the Pro, or just the plain old iPad?

Photo by Henry Ascroft on Unsplash

Gone are the days when Apple only offered one iPad.

Right now, there are four different iPad models, each with their own screen size and capabilities. Before we dive into which iPad is best for your use, here’s an explainer of the lineup today.

The Lineup

iPad Mini ($399)

As the name suggests, the mini…


And why so many financial professionals get it wrong

Photo by Scott Graham on Unsplash

You are offered two attractive business opportunities. The first promises a 17% return and the second a 14% return. Which should you choose?

You might think that the first project would always be a smart choice. In doing so, you are falling for the fallacy of the internal rate of…


The risks you should take, and the ones you shouldn’t

Photo by Austin Distel on Unsplash

So, you are curious about investing, but you aren’t sure where to start? These are 10 key things you need to know before you begin.

1. Understand what you are investing in.

When you invest, you are purchasing financial assets. Here are some common examples:

  • Bonds are obligations of debt, typically created by governments and corporations. By…


Cashback: The Definitive Guide

Cashback sites will revolutionise the way you shop

Photo by Brooke Lark on Unsplash

The Discovery

I first discovered a cashback site back in 2018. As a student, I was intrigued; every penny counts. I started using the site for all of my online purchases, including insurance, eBay purchases and train tickets.

2 years later, I have made £585 ($711), simply by buying things online. …


Apple has a winner

Bezels? Screen size? Who cares?

Photo by Daniel Romero on Unsplash

Apple’s iPhone strategy normally goes like this: they make a premium phone, with luxury materials, excellent software support, and charge a lot for it. Not everyone will buy one, but Apple’s profit margins are high enough to make this price-sales tradeoff.

The original iPhone SE, and its 2020 counterpart, have…


Apps that keep me on top of my Oxford Uni workload.

Notability on iPad Pro. Photo by Author

Technology has changed the way we study, making it harder to focus, but also giving us new ways to note, keep track of time, and access information.

I’m a big fan of tech, but even I have to admit sometimes it can hold me back. Notifications and social media can…

Tom Ford

Finance, Tech and Productivity. Studying Economics & Management at Oxford University. Building a UK Student Loan Repayment App: www.studentcalc.co.uk

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