... 2024, coal was 15–20% more expensive). This price dynamic reflects a balance: on the one hand, persistent high global demand (especially during hot seasons, when coal is used to meet peak loads), and on the other, sufficient supply in the market and accumulated stocks. Major exporters such as Australia, Indonesia, and South Africa have increased production, and currently, coal supply meets demand without shortages. Notably, even in the face of high gas prices, European consumers are not rushing back ...

... provider makes investment decisions based on the agreed-upon investment program. If your financial situation changes and you do not update it, the provider may make decisions that are no longer suitable. You may pay more - fees and expenses can quickly accumulate and reduce the returns on your investments. Managing an account can be significantly more expensive than direct investing. If you are uncomfortable with these risks or prefer to have control over your investment decisions, managed accounts ...

... professional skills and competencies, their development and application in the workplace are approached as an investment. Although human capital possesses some universal characteristics similar to economic capital, such as the ability to regenerate and accumulate, there are significant differences between them. Notably, human capital is tied to a specific individual and cannot be separated from that person. Is it worth investing in people when we cannot be sure that the benefits from such investments ...

... pages of friends, acquaintances, and strangers are filled with images of a seemingly perfect life. The fear of missing out drives individuals to conform to idealized images, often at the cost of additional resources. This leads to unnecessary spending, accumulation of debt, and deferral of savings and investments to an uncertain future. It is possible that your friends who appear to have it all may have already fallen into this trap – living a beautiful life on credit, while the necessity of building ...

... both obvious advantages and disadvantages that you need to remember when deciding to take out a loan. Pros Accelerated development of the company. Credit funds allow you to implement business plans faster, without waiting for the necessary amount to accumulate from profit. With their help, you can open a new direction, purchase modern equipment, increase stocks of goods before the high demand season - all this can lead to an increase in income and an expansion of market share. Maintaining full control ...