This may be controversial as a complex problem rarely has such a simple solution. I posit that the 2008 financial crisis could have been drastically minimised if not avoided if the credit rating agencies were not profit maximising private institutions. Credit rating agencies such as Standard & Poor’s, Moody’s, and Fitch are akin to the…

I have no data on this and am subsequently writing this completely off a hunch so excuse me if I am wrong here. This post is a thesis on how re-plotting people from different countries and families together can cause a lot of friction for community cohesion and people in terms of romantic relationships. The…

I have recently come to realize how important it is to have the difficult conversation that we are dreading to have. If we do not do this we cannot move forward and thereby move into unknown realities/outcomes.  It might seem like the hardest thing in the world but keeping feelings and thoughts left unexamined in your…