6: Debt, Interest and Mortgages

Life has pretty similar path for most of us: we are born, our parents take care of us, we get educated, we figure out a way to sustain ourselves, we form a family, we have our own kids, we grow old and then we die. Such a great note to start this article on isn’t it?

In it we’re going to fo...

We’ve never seen people waste time the way we’ve seen in universities and schools.

Give a student 3 weeks to finish a project and in the last 4 hours before the deadline the group-chat is blowing up with everybody trying to pitch in the least amount of work that would get them a passing gra...

You know how we mentioned values at number 8? The manifestation of the core values on which a society prospers is found in the Human Rights. This is something fairly new, we humans came up with and it’s the best thing we were able to create so far.

Human rights are the backbone of any well ...

Having pictures with yourself taking shots to the face as your profile pic, using foul language in your posts, showcasing disrespectful behaviour in your interactions with others will have repercussions. This is the reality we live in today.

Your online presence is the cover of the book tha...

So you’re done with school right? Now what?

Most of you probably ask your parents for recommendations or someone who’s a bit older for a game plan. Otherwise, you have no idea what you’re doing resulting in time wasted, resources consumed and the feeling that you will need to compromise at ...

The last thing you would want is the school to tell you what your values are and what you should be passionate about, but it would be really damn useful if they created a framework so that you could find that out for yourself.

Imagine instead of learning the names or every mountain and rive...

You’re going to spend the majority of your life in a romantic relationship with someone.. How about we learn how to pick the right one?

This new generation is growing up with tinder, nudes and netflix & chill as viable “dating” options. Thus they will never be able to develop emotional inte...

Those numbers are insane and us not addressing these type of mental health issues is leading to a very unstable society. The rise of pharmaceutical companies capitalizing on this trend should also be a big pointer at how big the issue is.

And that’s just the mental part of things, you never...

By the end of your education, it would be really valuable if you were self-sufficient from all stand-points of your existence. That’s the least you would expect right?

You will spend a large portion of your life (around 1 and a half hours per day actually) eating, yet nutrition is not somet...

Getting a job, that’s you selling the company on the idea that you are the right fit for their organization.

Getting married, that’s you selling your partner on the idea that you are the right fit for this journey.

For some reason SELLING has such a bad rep. when in reality is just pr...

We live in a digital world. More than half of your awake time is connected to a digital version of reality, you are in the digital space right now, consuming this article through your screen.

Your digital profiles are online 24 hours everyday accessible to almost anyone looking to find them...

Believe it or not, Public Speaking is the only thing people fear more than DEATH on average. What would it be like if in the 12 years you spent getting educated you would conquer this fear to the point where you are comfortable presenting yourself and entertaining a discussion on any topic.

The problem with the current educational system is that you are put into colossal debt without first being educated on how to manage it.

Starting off your professional life with close to £27k in debt and zero knowledge on how to strategise the repayment is setting up the youth for failure ...

This is another thing we left to chance, just put a bunch of kids in the same room and they’ll figure it out. It sorta worked out ok, but what do you do once you get older? Have you noticed how hard it is to make new friends after you’ve finished school?

This is a serious issue, because one...

The problem begins when you are finally ready to move onto the next level and have no idea what you’re supposed to do. Relationships are not easy, they demand effort and a completely different set of skills in order for them to grow & evolve properly.

Dating and relationships is a crucial p...

Wouldn’t you love to learn in school how money works? Why some people earn more than others, how to increase your salary, how to save money or how to invest it?

Even today, in most households money is still a taboo subject, despite it being the fuel of our society.

Your parents are ba...

Learning how to learn, how much of a phenomenon of a skill that is.

If you only got this right out of school and didn’t feel the need to beat the system in order to get higher grades, your life would be so much easier, because this is the skill to rule them all.

The upside is enormous...

The goal of the entire thing should be to make you self-sufficient and a positive part of our socio-economic system.

Unfortunately, at least in the last couple of decades, it doesn’t do that good of a job. It’s pretty decent, but from an efficiency and effectiveness perspective, it could de...

Do a small experiment and ask any random person on the street how the government works, then ask them to expand on it. Most people will find it really difficult to articulate what’s happening.

For too long we have allowed governments to behave they way they do, because we entrusted them wit...

Benjamin Franklin used to say: in this world nothing can be said to be certain, except death and taxes.

We might actually cure death before we find a way to work without taxation. Taxes & Bills are a necessary part of life and you’ll have to deal with it a lot more frequently than you will ...

There are so many aspects of finance which would’ve been really useful to learn in school in order for everyone to be more efficient in their lives, like how to balance a checkbook, how to save for retirement, why some people are better off pursuing businesses while others will be happier working...

Preparing for an interview is another one of those things that would be easy to teach, but is completely neglected.

Thus resulting in people having no idea how to structure a real CV, what they’re supposed to research before the meeting, how to present themselves for the interview and how ...

We’re having such a large identity crisis because we never get to ask ourselves very basic questions like:

• What do I want to feel like in my life?
• What are some things I dislike in others? Do I share the same traits?
• What are some things I like about myself? Should I n...