Second-Hand Digital Media has its upsides

Second-Hand Media

By Nina Spinelli In 2012, 193 million CDs were sold across the United States – with Adele’s “21” album dominating the charts. Fast-forward a decade later to 2022, with only 35 million CD albums sold, down 11% from 40 million in 2021. The downturn in CD sales has been offset by subscription services, such as…

The Future of AI and Personal Finance 

The Benefits and Negatives for Individuals with Little Financial Education Artificial intelligence (AI) has been transforming the financial industry, with various AI applications emerging to provide better financial services. AI has created an opportunity for the financial sector to be more inclusive and help individuals achieve financial security. However, the integration of AI in personal…

Gift Giving Do's and Dont's

“Tis the Season”

(Of Gift Giving) By Dalia Rodriguez It’s the season of giving, or at least that is one-way advertisers get the idea into our brains that end-of-the-year celebrations are the perfect opportunity to show our love and appreciation with material stuff. The truth is, you don’t need gift-giving and material things to break your pocket along…

sustainability and finances

Sustainability and Finances

By Nina Spinelli What is the connection between sustainability and financial well-being? It’s closer than you might think. Thinking about changes we can implement to increase our sustainability simultaneously supports our prudent financial changes. It is our motivation that is key to sustaining change. The “why” in changes to our habits is just as critical…