The Thinking Cubicle

Asset Management refers to the process of handling and managing the investment on behalf of clients and shareholders. The assets can range anywhere from shares, stocks, bonds to real estates and various other commodities. Various asset management also known as investment firms exist with the specialization in managing assets for individuals, privately held institutions and sometimes government as well. Image Credits: Pexels The primary goal of an asset management institution is to maximize the profits while eliminating the risks associated with the same. Asset management can be done through various strategies, including active management, where portfolio managers actively buy and sell assets in an attempt to outperform the market, or passive management, where managers aim to match the performance of a particular market index. Various tools and softwares are designed to accordingly suit the working mechanism of asset management. In today’s blog we are going to understand the functionali...

Education is the driving factor in empowering the future citizens of our country that is the children. While basic education is necessary, what matters most is the quality and reliability of the education that is being taught to them. The world is constantly evolving with newer technological advancements, digital transformation, etc. So, the need for a proper and efficient educational roadmap highlighting the advanced skills and techniques in the Ed-tech sector is the most needed outcome to be able to make our children stand at par with international contemporaries. While significant efforts are being made to educate the youth, the underprivileged sections often lag behind. NGOs play a crucial role in bridging the gap between underprivileged children and quality education. Towards the end, we are going to discuss a Delhi-based NGO named Pehchaan The Street School that takes special initiative in the creation of an educational roadmap for the betterment of the children.  Challenges ...

Internships are the platform that provides students with the opportunity to explore and earn experience by working in the domains that match their educational qualifications. While there are multiple fields available, it becomes extremely important to find a profile that tunes with one’s passion, interest, and skills. While most people seek to intern with private and governmental organizations, they often fail to see the growth associated with interning with an NGO. The NGO provides exemplary opportunities, learnings, and experiences that often remain underrated in the job market. What is an NGO Internship? Internships organized by NGOs provide a plethora of opportunities to students seeking to understand and gain experience working in the real world. They are given the chance to serve society while also achieving personal growth and experiences. Moreover, they learn soft skills like empathy, kindness, and communication which in turn makes them a responsible citizen of the country. Fur...

Image Credits: Pixabay Donald Trump the former American President was liberal towards space funding and under his regime, he allowed funding to two prominent space projects, named Project Artemis (the program to send astronauts back to the moon and eventually Mars) and the United States Space Force (the new military branch charged with operating in space).  After Joe Biden came in charge, initially he responded to continue the funding for both these projects, which was highly appreciated by everyone, but his latest take on the tax schemes leaves a big question mark on the financial aspect of the space economy. President Joe Biden is in favor of the notion which is soak-the-rich policy that he claims will address the deficit and restore “fairness” to the tax code. During the recent State of the Union Address , Biden proposed not only hiking the corporate tax rate but imposing what he called a “billionaire’s tax” of 25 percent.  He claimed that such a tax would raise $500 bill...

The American economy is in-famous for its huge consumer spending database. It has been observed among American citizens that they have a common tendency of buying everything using credit cards. It is predicted that the Bill of 2024 is about to come due, highlighting the economic and psychological factors responsible behind such payment practices. Image Credit: Pexels According to the Federal Reserve Bank of New York, borrowers loaded an additional $50 billion onto their credit card balances in the last three months of 2023, an increase of nearly 5% that brings the total to a record high of $1.13 trillion. “They used credit card debt to supplement their incomes to maintain their purchasing power,”  says Mark Zandi, chief economist at Moody’s Analytics.  The Rise in Credit Purchase Image Credits: Pexels This trend of relying heavily upon credit cards began due to low interest rates and a series of post-pandemic programmes - stimulus payments, enhanced food stamp benefits, pauses...