This article is published in collaboration with Brainz Magazine’s network of global experts, carefully selected to share real, valuable insights.
Why You Do Not Actually Want to Live Without Anxiety
You are making dinner when suddenly the smoke alarm starts blaring. There is no fire, just a little smoke from the pan. Annoying, yes. But would you really want to live without that alarm at all?
Consumer Loans in the Euro Area Remain More Than Twice as Expensive as Mortgages — and the Baltics Stand Out
Fresh figures from the European Central Bank (ECB) underline a growing divide between everyday borrowing and housing finance across Europe. In December 2025, the interest rate on new consumer loans in the euro area averaged 7.15%, while mortgage borrowing costs—measured using a weighted “composite cost-of-borrowing indicator”—stood at 3.32%.
That’s a gap of 3.83 percentage points. Put differently, consumer credit is about 2.15 times more expensive than mortgages—roughly 115% higher in relative
From Fear to Flow and the Mindset Shift That Unlocks Creative Problem-Solving
When fear is running the show, your mind becomes efficient, controlled, and strangely uncreative, even when you are brilliant. If that sentence landed, stay with it for a moment. Because what I see time...
When a Career You Love Ends and What to Do Next?
Over the past few years, a quiet storm has been building across industries once considered ‘buzzing’, reliable careers. What began as temporary pandemic-era shifts has escalated into a substantial...
How Delays in Access to Work Applications Impact Job Security and Business Finances
There is a huge backlog in the number of new or existing Access to Work applications being processed, which drastically affects the level of job security and employer finances. That’s according to...
