Author: Crystal Jedynak

Why Starting to Invest Early Is the Smartest Financial Move You Can Make
7 Dec

Starting to invest early unlocks the power of compound interest, turning small, consistent contributions into massive wealth over time. Learn why time matters more than how much you save.

SIM Swap Protection: How to Secure Your Mobile Number Against 2FA Hijacking
6 Dec

SIM swap attacks are stealing millions by hijacking phone numbers used for SMS 2FA. Learn how to protect yourself with carrier settings, authenticator apps, and why SMS is no longer safe for banking or crypto.

Robo-Advisor Performance: Do They Beat Human Advisors in 2025?
3 Dec

Robo-advisors outperform human advisors during market crashes by reducing risk automatically, but they can't replace human advice for complex life events. Learn who should use each-and why the future is hybrid.

Card Tokenization in Payments: How It Boosts Security and Sales
3 Dec

Card tokenization replaces sensitive card data with secure tokens, reducing fraud and boosting checkout conversions. Learn how it works, why it cuts compliance costs, and how top merchants use it to increase sales.

Robo-Advisor Hybrid Firms: Human Advice with Automation
29 Nov

Hybrid robo-advisors combine automated investing with human financial advice, offering a middle ground between cheap robots and expensive advisors. Learn how they work, who they're best for, and how to choose one.

Growth at a Reasonable Price (GARP): The Balanced Strategy for Smarter Investing
21 Nov

GARP investing combines growth and value strategies to find companies with strong earnings growth at reasonable prices. Learn how to use PEG ratios, avoid overvalued stocks, and build a resilient portfolio for today's market.

Peter Lynch's Investing Approach: How to Find Hidden Stock Gems in Your Everyday Life
20 Nov

Peter Lynch's investing approach teaches you to find hidden stock gems by observing everyday consumer trends. Learn how to use your own life as a research tool to spot tenbaggers before Wall Street does.

Eventual Consistency in Ledgers: Design Patterns for Scalable Financial Systems
12 Nov

Eventual consistency in financial ledgers balances scalability and reliability by allowing temporary delays in transaction updates. Learn how modern systems like Amazon QLDB and R3 Corda use design patterns to keep money safe while handling millions of transactions.

P/E vs PEG Ratio: How to Value Growth Stocks Without Overpaying
11 Nov

Learn how to use the P/E and PEG ratios together to spot true growth stocks and avoid overpaying. The PEG ratio adds growth context to the basic P/E, helping you make smarter investment decisions.

Recurring Payments and Subscription Billing: Best Practices for 2025
10 Nov

Learn how to set up recurring payments and subscription billing the right way in 2025-with smart retry systems, SCA compliance, clear pricing, and tools that actually work. Avoid churn, boost revenue, and keep customers happy.

Emergency Funds for Freelancers: How to Plan for Variable Income
9 Nov

Freelancers need emergency funds designed for irregular income. Learn how to build a tiered savings system that protects you during dry spells, automates savings, and keeps you from cash flow crises.

Biometric IDs for Refugees: How Digital Identity Opens Financial Access While Raising Privacy Concerns
7 Nov

Biometric IDs are transforming financial access for refugees by replacing lost documents with fingerprint and iris scans, but privacy risks and infrastructure gaps remain serious challenges. Learn how these systems work, who benefits, and where they fall short.