Now more than ever

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. health system is struggling to cope. The complex network of public health agencies, medical care systems, insurers and state-specific aid has made it difficult for a necessary and coordinated response to be made. As Tim Putnam, chief executive of Margaret Mary Health in Indiana, told the FT:

“People talk about…

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, contingent on environment, resources and capabilities. I propose the idea of strategic forks in the road, where managers must contend with the trade-offs between innovation and imitation with every strategic decision they make.

At each fork or strategic decision, imitation should be preferred when your organisation doesn’t have the dynamic…

How cultural knowledge can improve your marketing skills

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 value of bottled water is derived from its convenience, but demand is also created from powerful marketing.

Richard Wilk has pointed out that successful brands create meaning for customers. …

The Why, the When and the What

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 can be as simple as opening an account with your bank or an investment broker and putting as little as $1 a day.

Note that whilst investing will yield you a higher return on your money on average, returns are not guaranteed (unlike putting your money in a savings account)…

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

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 is the smallest of the bunch with a screen size of 7.9". Don’t let its small size fool you, though: it has the capable A12 chip, which means super-speedy browsing, media playback, and gaming. Plus, it supports the Apple Pencil and comes with 64GB of storage.

iPad ($329)

The cheapest model available…

And why so many financial professionals get it wrong

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 return. Here’s why.

Methods of Assessing Financial Projects

There are two common methods used for valuing investment projects, (like developing a property or opening a new store for your business).

The first metric used is the Net Present Value (NPV). When you calculate the Net Present Value of a project, you sum up all the…

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

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 buying a bond, you hold a share of that government’s/corporation’s debt, and you are entitled to receive repayments on that debt. Bonds are typically less risky than stocks, but pay a lower return.
  • Stocks are a way of owning a small part of a company. Stock owners are called shareholders…

Cashback: The Definitive Guide

Cashback sites will revolutionise the way you shop

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. Here’s how you can do the same.

Apple has a winner

Bezels? Screen size? Who cares?

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 gone against this trend, in one meaningful way: price. The new iPhone SE retails for $399, a great deal less than recent iPhone flagships, the iPhone 11 ($699) and iPhone 11 Pro ($999).

Despite the low price, critics of Apple’s 2020 SE have denounced the legacy design of the phone…

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

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 draw us away from that essential piece of work we have to get done, or time with those we care about.

But, tech can also be freeing. It allows us to contact friends, write on the go, and even access Medium articles like this one! I use a variety of…

Tom Ford

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

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