


Private credit has surged from a niche part of the financial world into one of its fastest-growing investing arenas. Backed by trillions in private-market capital, the asset class is beginning to mirror the structure, scale and behaviour of the public bond market. That evolution is creating new opportunities for investors — but also a series […]

Market volatility (or “swings”) is the single greatest threat to long-term investment success, not because it destroys capital, but because it destroys discipline. The fear, uncertainty, and non-stop media noise trigger powerful psychological biases—like Loss Aversion and Herd Mentality—that push even seasoned investors into making costly, reactive errors. Legendary investor Warren Buffett famously said: “We […]

The fallout from Abbott v. LULAC has been predictable. Critics allege that the Court has now pushed the Purcell principle out even further to the year before the election. Richard Pildes, for example, wrote: The latest Texas decision now pushes Purcell out even further, to decisions that come down before an election year. This is no longer the “eve […]

Elon Musk’s satellite internet service, Starlink, announced a new milestone in November: 8 million users worldwide, up from its previous high-water mark of 7 million in August. Many of these users would otherwise have no connection at all. For decades, reliable internet service has been out of reach for too many, with traditional fiber-optic broadband […]

I. Executive Summary: The Silent Killer of Profitability Cash flow is universally recognized as the lifeblood of any successful enterprise, irrespective of its size or sector. It represents the actual flow of money moving in and out of a business over a defined period, serving as the essential indicator of immediate liquidity and financial health. […]

A Department of Homeland Security (DHS) spokesperson recently complained about alleged “lies, smears and AI deepfakes that are designed to deceive Americans” about President Donald Trump’s immigration agenda. Pressed on whether the government was talking with social media platforms to stem this purported misinformation, the spokesperson said, “Yes and we are also putting resources forward […]

The journey toward achieving significant financial returns hinges not solely on market acumen or strategic timing, but also on the subtle, critical choices made regarding infrastructure. For the serious investor or aspiring active trader, the selection of a stock trading platform is perhaps the most controllable variable in the entire investment equation. Choosing the wrong […]

Executive Summary: Why Your Advisor is Not Always Your Ally The decision to hire a financial advisor is one of the most critical steps in securing long-term financial independence. Yet, the financial advice industry is structured with inherent complexities that often make it difficult for consumers to distinguish between a trusted partner and a conflicted […]

I. Executive Summary: Why Origination Fees Are Stealing Your Wealth The pursuit of financing, whether for a mortgage, a car, or personal capital, often exposes borrowers to one of the most insidious costs of credit: the loan origination fee. This fee is not interest; it is an upfront charge levied by the lender to cover […]

Hello and welcome to another edition of Free Agent! Find your walk-up music this week—but more importantly, find a fan who will follow you around to play it. Today we’re talking about FIFA and some troubling developments that are starting to affect actual competitive soccer, in addition to the off-field corruption we’re used to. Then […]