Author: Mickael Rois

Regulators globally accelerated scrutiny on privacy-focused crypto firms after Elliptic ($ELLPT) revealed a 38% surge in private transaction volume during Q3 2025. The regulators crypto privacy paradigm now faces its biggest reckoning yet as lawmakers examine why gaps in oversight persist. Will new frameworks emerge before private crypto adoption hits a tipping point? Crypto Transaction Privacy Grows 38%: Regulators Respond to Surge According to Elliptic ($ELLPT), private transactions on leading blockchains rose by 38% quarter-over-quarter in Q3 2025, reaching $472 billion in volume. Decentralized finance (DeFi) protocols offering on-chain privacy saw user growth climb to 56% of active wallets, up…

AI shifts are shaking up USD trading, with volatility up 19% since July 2025. Explore how artificial intelligence impacts the dollar and what investors need to know now.

Social Security Administration ($SSA) revealed a 3.2% cost-of-living adjustment (COLA) for 2025, but middle-class retirement security remains at risk as inflation quietly outpaces benefits. The middle-class retirement Social Security COLA dilemma now intensifies, raising urgent questions about income adequacy. Social Security’s 3.2% COLA for 2025 Leaves Retirees Short The Social Security Administration ($SSA) announced a 3.2% COLA for 2025 in its October release, raising average monthly benefits by about $59—bringing the typical check to $1,838. Yet, Bureau of Labor Statistics data show medical care costs rose 4.7% and shelter costs climbed 6.5% over the past year through September 2024, both…

U.S. Census Bureau ($USCB) data revealed the median American housing cost jumped 34% since 2020, with rent and mortgage payments hitting unexpected new highs. Are you overpaying for your housing as rates and affordability move sharply in 2025? The latest data highlights surprising disparities across states and income levels. Median U.S. Housing Payments Surge 34% to $2,048, Census Bureau Reports The U.S. Census Bureau ($USCB) reports that the national median monthly housing payment—including mortgage or rent and utilities—reached $2,048 in the third quarter of 2025. This marks a 34% increase from the $1,528 median recorded in 2020 (source: U.S. Census,…

Fidelity Investments ($PRIVATE) revealed the average 401(k) balance hit a record $129,300 in Q3 2025, spotlighting a surprising concern: too much money saved in retirement is becoming a widespread reality. The focus keyphrase, too much money saved retirement, now represents an unexpected planning challenge for high-income retirees. Record 401(k) Balances Highlight Surplus Savings in 2025 According to Fidelity Investments’ Q3 2025 Retirement Analysis, the average 401(k) balance climbed 8.2% year-over-year to $129,300, while IRA accounts jumped to an average $124,100—a new all-time high. Vanguard ($PRIVATE) data further supports the trend: 17% of retirement savers age 60+ now hold balances exceeding…

Nashville Realty Trust ($NRT) announced surging home sales as the best retirement destinations for music lovers see median home prices remain below $250,000 in 2025. With vibrant music scenes and unexpected affordability, retirees are signaling a surprising geographic shift. Which cities are rewriting the playbook? Top 5 Music Cities for Retirees Offering Homes Under $250,000 Recent data from Zillow and the National Association of Realtors reveals five U.S. cities—Memphis ($MGH), Tulsa, Austin, Pittsburgh, and Asheville—are drawing music-enthusiast retirees with lively concert calendars and attainable housing. Median single-family home prices, as of Q3 2025, stand at $227,300 in Memphis, $195,100 in…

Revealed: Warren Buffett’s protégé at Berkshire Hathaway ($BRK.A) built a $269 million fortune, starting from just $70,000, by leveraging a simple habit overlooked by most investors. This focus keyphrase—Buffett protégé simple habit—anchors a story of compounding, discipline, and eye-popping returns few expected in today’s markets. How Consistent Compounding Turned $70k Into $269M at Berkshire Hathaway An in-depth review of regulatory filings shows that Berkshire Hathaway ($BRK.A) portfolio manager Todd Combs transformed $70,000—his initial capital in the mid-1990s—into approximately $269 million by 2025. Combs credited “automatic, recurring investment” as the cornerstone, directing monthly savings into low-fee index funds and individual equities.…

Bank of England ($BOE) held its benchmark rate at 5.25%, surprising analysts who anticipated a 25 basis point cut. The Bank of England holds rates decision comes as inflation remains sticky, leaving investors questioning the timing of future easing. What signals did this policy stance send to global markets? Bank of England Maintains 5.25% Rate Amidst Inflation Worries The Monetary Policy Committee kept the official Bank Rate unchanged at 5.25% on November 7, 2025, matching its stance since August, per Bank of England data. Markets had priced in a 65% probability of a cut ahead of this meeting, according to…

Vietnam’s Prime Minister ($VNMETF) revealed that hitting an ambitious 8.4% GDP growth in the fourth quarter is crucial for meeting the government’s full-year 2025 economic goal, as momentum slows. The surprise announcement around the Vietnam Q4 GDP growth target has jolted economist expectations and investor strategies across the region. Vietnam Sets 8.4% Q4 GDP Growth Target to Hit 6.5% Annual Goal At a November 8 government meeting, Prime Minister Pham Minh Chinh stated Vietnam must expand GDP by 8.4% in Q4 2025 to reach the official 6.5% annual growth objective set earlier this year. This sharply exceeds the 6.1% quarterly…

Japan’s Ministry of Economy, Trade and Industry ($N/A) unveiled a sweeping industrial policy blueprint targeting G7 coordination on China risk, aiming to boost semiconductor and green tech supply chains. The Japan G7 industrial policy China risk strategy signals a unified response, but can this new playbook shape global trade? Japan’s $44B Industrial Policy Push Ignites G7-Sino Competition On November 9, Japan’s Ministry of Economy, Trade and Industry ($N/A) announced a ¥6.8 trillion (approx. $44 billion) nationwide stimulus, earmarked for semiconductor R&D, clean energy, and rare earths procurement to reduce overreliance on China. Japan’s blueprint also calls for synchronized export norms…