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Jacob Mallinder

Hi, I'm Jacob, the Editor for our Online Content. Feel free to email me at editorial.dept@finance-monthly.com if you have any questions or interesting content to send over!

Articles by Jacob Mallinder

Should You Pay Debt or Invest First in 2026?

13th February 2026
The short answer to whether you should pay debt or invest first in 2026 is that it depends on your situation. Interest rates, income stability, and how soon you need your money all shape the right move. This article breaks down how to decide without second-guessing every dollar. Why the Pay Debt or Invest First […]
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How Financial Firms Can Stay on Top of SEC Compliance

13th February 2026
SEC compliance is central to a financial firm's operations, protecting investors and keeping in step with the evolving regulatory landscape. Here are seven strategies to build SEC resilience and reduce risk. Establish Robust Policies and Procedures Effective policies and procedures establish an organisation's compliance expectations in all aspects, including disclosures, recordkeeping, and dealings with clients or others. They […]
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Why Integrity Still Matters in Modern Accounting and Finance

13th February 2026
Accounting and finance touch real life. Paychecks. Rent. College funds. Small businesses. Charities. When integrity fails, the damage spreads fast. Stress rises. Trust breaks. Costs pile up. Tools are faster now. Data moves quickly. Deadlines feel tighter. None of that changes the core issue. People still make choices. Those choices still matter. Integrity is not […]
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The Psychology of Credit Card Spending: Why You Swipe More Than You Think

13th February 2026
The way we pay for things has changed a lot. Many of us now reach for a card instead of cash without even thinking about it. Credit cards feel easy, quick, and comforting at the time of payment. This smooth experience can quietly affect how much we spend and creates a strong sense of comfort. […]
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5 Hidden Costs First-Time Buyers Miss (And How Professional Conveyancing Prevents Them)

6th February 2026
Buying a first home is exciting, but it’s also full of details that are easy to miss. Many first-time buyers focus on the deposit and mortgage, only to find extra costs appearing later in the process. These surprises often cause stress and stretch budgets at the worst possible moment. Understanding where these hidden costs come […]
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Training Approaches That Ensure Workforces Keep Pace With Regulatory Change

6th February 2026
Regulatory requirements tend to evolve, making organizations face new challenges. Effective learning strategies are needed to respond to these changes. Organizations that keep employees aware of updated standards save involved parties a lot of money. In this post, we look at different methods that keep your employees in the loop about the changing rules so […]
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What are Future and Locked Tokens? How Can I Buy Them?

6th February 2026
Locked blockchain tokens are digital assets that you can't transfer, trade, or sell until certain conditions are met or a set time has passed. They're usually part of a vesting schedule or contract that controls how a crypto project's tokens are distributed. Locked tokens help keep projects stable and encourage long-term commitment. When tokens stay […]
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Chapter 7 vs. Chapter 13: A Guide to Personal Bankruptcy Options

23rd January 2026
In a challenging financial climate, a growing number of individuals are facing overwhelming debt and seeking a path toward stability. With total U.S. bankruptcy filings for the 12 months ending in June 2025 rising to 542,529, it is clear that understanding the available options for relief is more critical than ever. It is important to […]
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Darren Woods Net Worth in 2026: How ExxonMobil’s CEO Built His Fortune

22nd January 2026
In 2026, executive wealth remains a closely watched indicator of corporate performance, leadership stability, and global economic direction. Among the most discussed names in the energy sector is Darren Woods, the Chairman and CEO of ExxonMobil. His net worth reflects not just personal success, but the financial realities of leading one of the world’s largest […]
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The Hidden Financial Risks of Improper IT Asset Disposal

16th January 2026
Most companies don’t think about IT asset disposal until something forces the issue. An office move. A data center refresh. A storage room that’s quietly filled up with old laptops and servers no one wants to deal with. At that point, disposal feels like a cleanup task. Necessary, but operational. Not financial. That framing is […]
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Best Proxies for Crypto Trading Bots and Exchanges 

16th January 2026
Algorithmic crypto trading is often described as “set it and forget it.” In reality, it’s closer to running a small piece of financial infrastructure: your bot needs stable connectivity, predictable latency, and a clean, consistent network footprint. One weak link – timeouts, jitter, flaky routes, or sudden access challenges – and your strategy can degrade […]
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Personal Financial Rationality and Long-Term Planning in Uncertain Times

15th January 2026
Amid ongoing global economic uncertainty, personal financial management has shifted from an optional skill to an essential life competency. Inflationary pressure, interest rate fluctuations, changing employment structures, and the rapid expansion of digital financial products have made everyday financial decisions far more complex than in the past. Where stability once depended largely on income and […]
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