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Learn Finance 101

LearnFinance101

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Welcome to Learn Finance 101, your go-to podcast for mastering the basics of finance. Whether you're new to personal finance or looking to refine your knowledge, we break down key topics like budgeting, investing, and credit management into simple, actionable insights. Join us weekly to gain the tools and understanding you need for lasting financial success. Become a Paid Subscriber: https://podcasters.spotify.com/pod/show/learnfinance101/subscribe
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In this episode, we explore ISAs (Individual Savings Accounts) and how they can help you save or invest tax-free. We'll break down the different types of ISAs—Cash, Stocks & Shares, Lifetime, and Innovative Finance—and discuss which one might be right for your financial goals. Whether you're saving for the future or looking to grow your investments…
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In this episode, we break down the world of Treasury bonds—what they are, how they work, and why they're a key tool for both investors and the U.S. government. From understanding interest rates to exploring the role of bonds in your investment portfolio, we’ll cover the basics and help you decide if Treasury bonds are the right fit for your financi…
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In this episode, we dive deep into the world of retirement savings with a breakdown of the two heavyweights: Defined Benefit (DB) and Defined Contribution (DC) pension plans. Wondering which one can better secure your financial future? We'll explain how DB plans promise a steady retirement income while DC plans offer flexibility and growth potentia…
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In this episode, we dive into the two primary investment approaches: top-down and bottom-up. We’ll explain the key differences between these strategies, including how top-down investing focuses on macroeconomic factors and overall market trends, while bottom-up investing hones in on individual companies and their fundamentals. Featuring insights fr…
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In this episode, we explore convertible debt, a unique financial tool that blends aspects of debt and equity. We break down how convertible debt works, why startups and companies use it to raise funds, and the benefits and risks for investors. With expert insights, we discuss key terms like conversion rate and maturity, and explain when and why deb…
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In this episode, we break down inflation—what it is, why it happens, and how it affects everything from groceries to investments. We’ll explore the factors driving inflation, including supply and demand dynamics, production costs, and government policies. With insights from economists, we’ll discuss how inflation impacts personal finances, purchasi…
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In this episode, we delve into the world of commodities trading, where raw materials like oil, gold, and agricultural products are bought and sold. We explain how commodities trading works, the different markets involved, and why it's essential for the global economy. Featuring insights from traders and market analysts, we explore how prices are in…
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In this episode, we unravel the dramatic collapse of Silicon Valley Bank, a financial institution once central to the tech industry. We explore the series of risky decisions, regulatory challenges, and economic pressures that led to its downfall, catching startups and investors off guard. With insights from industry insiders and financial experts, …
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In this episode, we explore Exchange-Traded Funds, or ETFs, one of the most popular investment vehicles for everyday investors. We’ll cover how ETFs work, their benefits over traditional mutual funds, and why they've become a go-to choice for diversifying portfolios. From tracking market indexes to thematic funds, we dive into the different types o…
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In this episode, we break down the concept of short selling, the high-risk, high-reward strategy used to profit from declining stock prices. We’ll explain how short selling works, why investors use it, and the risks involved. Featuring insights from traders and financial experts, we dive into real-world examples of famous short-selling bets, includ…
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In this episode, we shed light on dark pools, the private trading venues where big players make moves behind the scenes. Learn what dark pools are, why they were created, and how they differ from traditional stock exchanges. We explore the advantages and controversies surrounding them, from increased privacy for large trades to concerns about marke…
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In this episode, we demystify hedge funds: what they are, how they work, and why they're known for high-stakes strategies. We’ll explore how hedge funds differ from other investment vehicles, the types of strategies they employ to maximize returns, and the risks involved. Featuring insights from finance professionals, we discuss the role hedge fund…
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In this episode, we unpack the world of asset management: what it is, how it works, and why it matters. We explore how asset management firms help individuals, corporations, and institutions grow their wealth by managing investments in stocks, bonds, real estate, and more. With insights from industry experts, we delve into the different roles withi…
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In this episode, we demystify futures and forwards, two essential financial instruments used for hedging and speculation in the markets. We’ll explain the fundamental differences between these contracts, including how futures are standardized and traded on exchanges, while forwards are customizable and typically settled over-the-counter. With insig…
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In this episode, we explore the concept of business cycles, the natural rise and fall of economic activity over time. We’ll break down the different phases of the business cycle—expansion, peak, contraction, and trough—and discuss the indicators that signal changes in these phases. With insights from economists and industry experts, we examine how …
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In this episode, we delve into the rise and fall of René Benko's property empire, once a shining example of success in the real estate sector. We explore the factors that fueled his rapid expansion, including innovative developments and strategic acquisitions, as well as the challenges that led to his empire's decline. With insights from industry e…
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In this episode, we dive into the collapse of Credit Suisse, one of the most iconic banks in Swiss history. We explore the events leading up to its downfall, from risky investments and management controversies to the regulatory pressures and market shocks that hastened its decline. Hear from finance experts and insiders who provide insights into wh…
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In this episode, we dive into the fascinating world of biases and behavioral finance, exploring how psychological factors influence our financial decisions. We discuss common cognitive biases, such as overconfidence, loss aversion, and anchoring, and how they can lead to irrational investment choices. With insights from behavioral finance experts, …
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In this episode, we explore the world of financial options, a versatile tool for investors and traders looking to hedge risks or speculate on market movements. We’ll break down the basics of options, including key concepts like calls, puts, strike prices, and expiration dates. With insights from financial experts, we discuss various strategies for …
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In this episode, we take a deep dive into the financial crisis of 2008, one of the most significant economic events in recent history. We explore the root causes, including the housing bubble, risky mortgage practices, and the collapse of major financial institutions. With insights from economists and financial experts, we discuss the impact of the…
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In this episode, we unpack the concept of the yield curve, a crucial tool in understanding interest rates and economic forecasts. We explain what the yield curve represents, how it’s constructed, and the significance of its shape—normal, inverted, and flat. With insights from financial experts, we discuss how the yield curve can indicate investor s…
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In this episode, we explore the vital concept of diversification in investing and why the old adage "don't put all your eggs in one basket" holds true. We discuss the principles of spreading investments across various asset classes, sectors, and geographies to reduce risk and enhance potential returns. With insights from financial experts, we delve…
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In this episode, we demystify financial funds, exploring the various types available and their roles in investment strategies. We cover popular categories such as mutual funds, hedge funds, and exchange-traded funds (ETFs), explaining how they pool resources from multiple investors to create diversified portfolios. With insights from finance profes…
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In this episode, we break down the concept of depreciation, a fundamental principle in accounting and finance that reflects the reduction in value of an asset over time. We discuss the various methods of calculating depreciation, including straight-line and declining balance, and explain how it impacts financial statements and tax liabilities. With…
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In this episode, we explore the cash statement, also known as the cash flow statement, and its critical role in financial reporting. We break down the three main sections—operating, investing, and financing activities—and explain how they provide insights into a company’s liquidity and cash management. Additionally, we discuss how the cash flow sta…
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In this episode, we delve into the income statement, often referred to as the profit and loss statement, to understand its crucial role in evaluating a company’s profitability. We explore the key components—revenues, expenses, and net income—while discussing how they interact like the yin and yang of a business's financial health. With insights fro…
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In this episode, we explore the balance sheet, a key financial statement that provides a snapshot of a company’s financial position at a specific point in time. We introduce the “three horsemen” of the balance sheet: assets, liabilities, and equity, explaining how they interact to give a comprehensive view of a company’s financial health. With insi…
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In this episode, we dive into the world of structured products, innovative financial instruments designed to meet specific investment goals. We explain what structured products are, how they combine various underlying assets like stocks, bonds, and derivatives, and the benefits they offer, such as tailored risk and return profiles. With insights fr…
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In this episode, we explore derivatives—financial contracts whose value is derived from an underlying asset, such as stocks, bonds, commodities, or interest rates. We break down the key types of derivatives, including futures, options, and swaps, explaining how they work and their primary uses in hedging risk or speculating on price movements. With…
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In this episode, we delve into the world of bonds, one of the most fundamental investment vehicles in finance. We explain what bonds are, how they work, and the different types available, including government, municipal, and corporate bonds. With insights from financial experts, we discuss the key features of bonds, such as coupon rates, maturity d…
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In this episode, we explore the diverse world of financial instruments, examining the various types available for investors and traders alike. From traditional assets like stocks and bonds to alternative options such as derivatives and commodities, we discuss how each instrument serves different purposes and fits into investment strategies. With in…
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In this episode, we delve into equities, commonly known as stocks, and their crucial role in the financial markets. We explain what equities are, how they represent ownership in a company, and the different types, including common and preferred stocks. With insights from financial experts, we discuss the potential benefits of investing in equities,…
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