19 Aug 2026, 14:01 UTC104 views2 reactionsread 20 August 2026 Photo
Why Rents Don't Keep Up with Inflation
Rental demand is strictly limited by household incomes, which are not growing as fast as property values or the key rate. This creates a structural imbalance: rents cannot rise proportionally to the owner's costs of purchasing the apartment.
As a result, owners fall into a trap: selling the apartment for a profit is difficult, and raising the rent to a profitable level is impo…
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19 Aug 2026, 10:40 UTC115 views1 reactionsread 20 August 2026 Photo
The accrued coupon income trap
Selling a bond before the coupon payment date does not exempt you from taxes. The broker will withhold personal income tax (NDFL) from the Accrued Coupon Income (ACI) received from the buyer, even if the transaction itself is closed at a loss relative to the par value.
This leads to a paradox: you may have recorded a market loss on the bond's principal, but you still pay tax on the vi…
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19 Aug 2026, 08:50 UTC125 views1 reactionsread 20 August 2026 Posted without readable text
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18 Aug 2026, 14:01 UTC188 views1 reactionsread 20 August 2026 Photo
Holding cash is a short position on the economy
Most people view cash as a safe haven during turbulent times. In reality, holding large sums in cash means taking an aggressive short position against the country's economy and global progress.
If the economy grows and asset values rise, your cash isn't just standing still—it's incurring a double loss: the inflation tax and the opportunity cost of market growth.
Mone…
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18 Aug 2026, 10:40 UTC177 views1 reactionsread 20 August 2026 Photo
The Forgetting Tax
A significant share of digital spending goes to "zombie services"—apps you don't use but keep paying for due to laziness or cognitive biases. This isn't just a waste; it is an inflationary tax on your inattention.
In a competitive environment, services rely on the fact that the effort to unsubscribe outweighs the value of the savings. Statistics show that up to 15% of monthly subscriptions are "d…
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18 Aug 2026, 08:50 UTC196 views2 reactionsread 20 August 2026 Posted without readable text
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17 Aug 2026, 14:38 UTC205 views1 reactionsread 20 August 2026 Photo
Debt-fueled dividends lead to bankruptcy
When the payout ratio exceeds 100%, a company begins paying dividends from debt or reserves. This is a sure sign that the business is no longer generating enough cash to support its dividend policy.
Investors who see such payments as "stability" are actually looking at financial suicide. Increasing debt load to maintain an image of reliability is the worst strategy imaginabl…
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17 Aug 2026, 10:03 UTC202 views1 reactionsread 20 August 2026 Photo
The illusion of paying down principal
In the first 5–7 years of an annuity payment, 80-90% of your installment goes toward paying interest to the bank, not the principal. You are effectively renting money from the bank, not building your own capital.
In a high interest rate environment, the bank takes the lion's share of profits from your "investment" project before you actually own any significant part of the apar…
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17 Aug 2026, 08:23 UTC195 views1 reactionsread 20 August 2026 Posted without readable text
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16 Aug 2026, 14:09 UTC239 views3 reactionsread 20 August 2026 Photo
The math of depreciation: The Rule of 72
There is a simple mathematical rule: to understand how many years it will take for your money to lose half its value, divide 72 by the inflation rate. At 6% inflation, your savings will lose half their purchasing power in just 12 years.
This isn't just statistics; it's the effective robbery of your future consumption.
Many are proud that they have saved a "nice round sum," …
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16 Aug 2026, 10:08 UTC222 views1 reactionsread 20 August 2026 Photo
Substitution Bias in Expenses
The consumer basket often includes substitute goods to smooth out inflation peaks. If beef becomes more expensive, the methodology may shift focus to chicken, assuming that a rational consumer will switch to a cheaper product.
This approach completely ignores reality: household habits are conservative, and nutritional quality falls during "forced substitution." As a result, the CPI sho…
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16 Aug 2026, 08:11 UTC217 views1 reactionsread 20 August 2026 Posted without readable text
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Showing the 12 most recent of 38 posts we hold for @findtechjobs. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked ≈ was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.