Money

Mortgages

Home-loan pricing, refinancing math and lender policy.

Glass office towers seen from street level in cool blue light

Mortgages

Mortgage Rates Are Easing: The Refinancing Math That Actually Matters

Break-even period, loan-term reset and fee structure decide whether a refinance saves money or quietly costs it.

Hannah Lindqvist • 26 Jul 2026 • 5 min read

Personal Finance

Money Management Tips: 15 Evidence-based Strategies That Actually Work

Most personal finance advice is recycled platitudes. These 15 strategies are grounded in behavioural economics and real-world data — and they produce measurable results.

Hannah LindqvistPublished 1 Aug 20269 min read

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Investing

How To Build A Recession-resistant Portfolio Without Market Timing

Diversification is not a slogan. It is a set of specific, testable decisions about correlation, liquidity and cash needs.

Priya RaghunathanPublished 27 Jul 2026Updated 28 Jul 20265 min read

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Banking

Bank Earnings Look Strong. Credit Quality Is Where To Look Closer

Net interest margins held up better than expected, while provisioning trends tell a more nuanced story.

Daniel OkaforPublished 25 Jul 2026Updated 26 Jul 20265 min read

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Tax

The Year-end Tax Checklist Most People Leave Until It Is Too Late

Nine decisions that must be made before the filing year closes — and three that can wait.

Hannah LindqvistPublished 24 Jul 2026Updated 25 Jul 20264 min read

Chart lines representing fund performance comparison

Mutual Funds

Index Funds Versus Active Management: What The Evidence Actually Shows

The debate is settled in aggregate and unsettled at the margins. Both facts matter for your portfolio.

Priya RaghunathanPublished 21 Jul 2026Updated 22 Jul 20264 min read

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Real Estate

The Housing Shortage Is A Construction Story, Not Just A Rates Story

Even with cheaper financing, the pipeline of new homes is constrained by land, labour and permitting.

Hannah LindqvistPublished 20 Jul 2026Updated 21 Jul 20264 min read

Insurance

Insurers Are Repricing Climate Risk, And Households Are Feeling It First

Reinsurance costs, rebuilding inflation and tighter modelling are converging on the household premium.

Hannah LindqvistPublished 18 Jul 2026Updated 19 Jul 20264 min read

Office district representing consumer banking and credit

Credit Cards

Credit Card Rewards Are Only Worth It If You Never Carry A Balance

The arithmetic is unforgiving: typical interest rates overwhelm typical reward rates within weeks.

Hannah LindqvistPublished 15 Jul 2026Updated 16 Jul 20264 min read

Retirement

Sequence Risk: The Retirement Threat That Averages Hide

Two retirees with identical average returns can end up with wildly different outcomes. Order matters.

Hannah LindqvistPublished 14 Jul 2026Updated 15 Jul 20265 min read