Finance

4 Years of College, $0 in Debt: How Some Countries Make Higher Education Affordable

Philippines In 2017, President Rodrigo Duterte signed the Universal Access to Quality Tertiary Education Act, which provides free tuition to state and local universities and colleges, as well as state-run vocational schools. I studied at the University of the Philippines Los Baños, a top institution in my country. For my first years, 2014 to 2016, […]

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Latest Rash of Scam Calls Come From ‘Social Security’

You also can report it to the F.T.C. on a complaint website, identitytheft.gov/ssa, dedicated to Social Security scams. What if I revealed my Social Security number to a caller? Visit IdentityTheft.gov, which uses a question-and-answer format to help you protect yourself from identity theft. Steps include putting a freeze on your credit reports to prevent

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U.S. Birthrate Drops 4th Year in a Row, Possibly Echoing the Great Recession

That is below the rate at which a generation can replace itself, a deficit that has occurred every year for the last 10 years and has become almost expected in the United States since 1971. The report calculated the replacement level as 2,100 births per 1,000 women. The long-term decline in both the birth and

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Investing for Social Impact Is Complicated. Here Are 4 Ways to Simplify It.

Investing in companies or organizations that make a positive change on society can be a bit like indulging in a vice: A lot of people might enjoy it privately, but they’re not comfortable talking about it publicly. When asked about this strategy, known as impact investing, investors typically give a lukewarm response or sidestep the

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A Quirk of the Calendar Is Messing With Stocks

For example, Morningstar updates its quantitative “star” ratings of mutual funds each month based on their performance and risk characteristics. An analysis performed at my request showed that Morningstar’s 10-year fund ratings oscillated wildly as the bear market returns dropped out of the calculations. In October 2018, 26.9 percent of the 10-year fund ratings changed,

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In a Surprise, Japan’s Economy Grew in the First Quarter, Despite a Slowdown in China

TOKYO — Japan reported a surprising economic upswing in the first three months of the year, but the sunny figures belied continuing weaknesses that threaten the country’s prospects. Japan’s economy, the third largest in the world behind the United States and China, grew at an annualized rate of 2.1 percent in the first quarter of

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