... purchasing real estate, starting a business, and creating savings. Real-Life Examples Case Study: An Expensive Hobby Leading to Bankruptcy Jessica, a 32-year-old marketer from Los Angeles, was accustomed to living an active lifestyle, dining at expensive restaurants, purchasing designer clothing, and traveling. All these expenses were covered by her credit cards and BNPL services. After five years, her debt reached $25,000, and high interest rates made it impossible to pay off on time. As a result, she ...

... Russia. Consequences for Retail: price increases in stores will lead to a decrease in demand for premium varieties; consumers will more often choose cheaper brands or reduce consumption; popularity of alternative beverages will rise. Consequences for the Restaurant and Coffee Business (HoReCa): necessity to raise beverage prices; search for new suppliers with more acceptable prices; shift to cheaper coffee varieties. What Can Consumers Do? In light of rising coffee prices, consumers can take several simple ...

... recognized as the patrons of family and marriage. Modern Perception in Russia Despite the skeptical attitude, Valentine's Day is still celebrated by many Russians, particularly young people. In major cities, themed parties, promotions in shopping malls and restaurants, and events dedicated to this day are popular. Couples exchange cards, flowers, sweets, and spend time together. However, a significant part of society, particularly in the regions, remains indifferent to this holiday, considering it foreign ...

... manage their diets, and schedule physical activities necessary for maintaining good health, among other functions. Most apps are designed to solve specific problems. Through these services, users can: Find the nearest establishment, whether it be a restaurant, beauty salon, dry cleaner, etc. Purchase products and arrange for delivery, tackling both tasks simultaneously. Make payments, eliminating the need to spend hours waiting in lines; all transactions can be completed via the app from home or ...

... one should select only promising properties capable of yielding a minimum of 30% profit upon completion. These should be in desirable neighborhoods and offer all necessary amenities for comfortable living. This includes not just schools, shops, and restaurants, but also adequate parking facilities where residents can leave their vehicles. An ideal option is a secure parking lot, which protects vehicles from weather, temperature fluctuations, and other external factors, saving owners from the hassle ...