Finance & Loans


How Banks Report Their Finances

By Phineas Upham Just like the average taxpayer, banks have to report their finances or they may face steep penalties for failing to alert the government or investors of potentially fraudulent activity. There are actual…



The Evolution of Mortgage Lending

By Phineas Upham Today, when the average person wants to purchase a home he or she has to find a lender willing to loan them money. That money comes at a particular interest rate, which…



Currency Devaluation in Modern Markets

By Samuel Phineas Upham Countries have reasons to let their currencies become devalued, and sometimes those reasons are out of the hands of government policymakers entirely. In modern economics, most currencies are what are called…


No Image

Why the Middle Class Needs FinTech

By Samuel Phineas Upham The path of upward mobility begins with financial management. If the average person could better manage his or her money, savings would thrive and we would all collectively handle risk better…


No Image

George Simmel’s Philosophy of Money

By Phineas Upham Simmel’s philosophy of money is an underappreciated classic that explores society’s relationship to money. The title reads like it might be more of a metaphysical work, the text explores the wider implications…


No Image

A Profile of Amazon

Written by Phin Upham Amazon began in a two car garage in 1995. It was two men, including the CEO Jeff Bezos, who packaged and shipped items from their garage in special boxes labeled with…


No Image

The History of Time Magazine

This article was written by Samuel Phineas Upham Time is published weekly from New York City. It’s a news magazine that has always focused on informing readers of the day’s current events, with concisely written…