Investments and Business

The term break-even point (BEP) is fundamental in both financial analysis and day-to-day business decision-making. It signifies the moment at which a company's total revenues precisely equal its total costs, resulting in neither profit nor loss. Businesses surpassing this threshold begin to realize profits, whereas those below are operating at a loss. Establishing the break-even point is crucial for entrepreneurs, investors, and managers, as it guides pricing strategies, operational decisions, and risk assessments.Key Elements That Contribute to a Break-Even AnalysisTo fully grasp the break-even point, one needs to differentiate between fixed costs and variable costs:Fixed Costs: These remain constant regardless…

For many Americans, owning a new car under $20,000 has become a thing of the past. As entry-level models disappear from dealer lots, the average cost of a new vehicle has skyrocketed, leaving lower-income buyers with fewer options and reshaping the automotive landscape.In 2024, US shoppers could still find a small selection of vehicles listed for under $20,000, but today not a single new model falls beneath that price point. Recent estimates from Kelley Blue Book indicate that buyers paid an average of $50,326 for a new car in December 2025, setting a new record, while Edmunds reported a slightly…

Recording every business transaction may seem like an excessive administrative task, especially for small enterprises or startups with limited resources. However, diligent record-keeping is a cornerstone of sound financial management, legal compliance, and strategic planning. This article explores in depth the reasons why documenting every transaction can be the defining factor between sustainable growth and operational chaos.Establishing Financial Accuracy and IntegrityPrecise financial documentation goes beyond standard accounting practices; it is fundamental to portraying the real financial standing of a business. By logging every sale, expense, investment, or loan, business owners are able to:1. Prevent Fraud and Misuse: Detailed transaction logs…

Informed financial choices play a pivotal role in driving business success, as leaders regularly navigate intricate issues involving resource distribution, risk control, investment priorities, and long‑term expansion plans; within such a complex setting, dependable tools become essential for converting raw data into practical guidance, and the modern corporate world delivers a wide array of financial decision‑support instruments, spanning from classic spreadsheet solutions to advanced platforms enhanced by artificial intelligence.Core Financial Analysis Tools1. Spreadsheets and Financial Modeling Software Microsoft Excel continues to serve as the premier standard for financial modeling, budgeting, forecasting, and analytical work. Organizations rely on spreadsheet tools to…

Every business, regardless of size or industry, encounters a wide range of expenses in its daily operations. An essential part of managing these expenses effectively lies in understanding how they behave as a company’s production volume changes. To this end, costs are most commonly classified into fixed costs and variable costs. This distinction is fundamental for budgeting, pricing strategies, and overall financial planning.Clarifying Fixed CostsFixed costs are defined as expenses that stay unchanged throughout a specific period, irrespective of how much a business produces or sells. These obligations arise even when no goods or services are generated for a while.…

The choice to disband the Corporation for Public Broadcasting brings to an end a nearly sixty‑year era that helped define American public media, marking the conclusion of a congressional initiative originally created to bolster education, cultural enrichment and civic engagement, now closing amid political rifts and uncertainty over the direction of public broadcasting in the United States.The Corporation for Public Broadcasting, widely recognized as CPB, has approved its own formal dissolution, bringing to an end an institution that for decades acted as a cornerstone of the U.S. public media landscape. Created in 1967, CPB operated as a channel through which…

The European Institute of Business and Economics (ISEEN) has unveiled its MBA in Digital Transformation & Artificial Intelligence, a 100% online program crafted to support professionals in linking digital strategy, data capabilities, and AI-driven management to tangible business outcomes such as growth, operational efficiency, innovation, and enhanced customer experience.Delivered through a flexible executive format, the MBA in Digital Transformation & Artificial Intelligence is aimed at leaders and professionals who need to accelerate digital execution inside their organizations while maintaining the academic rigor and international perspective of a European business education.European-level MBA program delivering 60 ECTS credits and 1,500 hours of hands-on learningThe…

A growing interest in compact, affordable vehicles is quietly challenging long-standing assumptions about size, power and necessity on American roads. What began as a niche curiosity has evolved into a broader conversation about practicality, cost and the future shape of everyday transportation.Why tiny trucks are sparking a big debate about the future of driving in the United StatesFor David McChristian, a firefighter based in Houston, the draw of a compact, practical vehicle is clear. He wants a truck capable of daily chores such as hauling groceries, moving a mattress home from a shop, and getting him to work without fail.…

Although wages have consistently risen, numerous Americans still experience financial strain, fostering a feeling that their income doesn't go as far as it once did. This disparity between perception and reality has ignited discussions among economists and policymakers regarding the actual condition of household finances in the United States.Surveys consistently show that consumers believe the cost of living is outpacing their income, even as data indicates that most workers are earning raises that exceed inflation. The phenomenon, often referred to as the “windchill economy,” illustrates how financial pressures can feel more severe than they actually are. Although paychecks have been…

In contrast to previous concerns, job opportunities in the United States rose in October, reaching their highest point in five months. However, beneath the surface, the labor market still exhibits signs of stress.October’s labor market data presents a complex picture: while the number of available jobs edged higher, underlying metrics indicate continued softness. The Bureau of Labor Statistics (BLS) reported that there were approximately 7.67 million job openings at the end of the month, slightly up from 7.66 million in September and 7.23 million in August, the last data available before the federal government shutdown. Despite this modest increase in…