Vishnu Kollara

Close to a decade of experience in data science, I have worked across both the private and public sectors, bringing data-driven insights to complex problems. My academic foundation in business and engineering has equipped me with a multidisciplinary perspective, allowing me to bridge the gap between technical expertise and strategic decision-making.Passionate about working with data, I thrive on uncovering meaningful patterns that drive informed decisions. My focus has always been on providing value—whether through analytics, process optimization, or predictive modeling. I believe that true impact lies in the quality of work produced rather than personal visibility.Driven by a commitment to continuous learning, I am dedicated to leveraging data science to create meaningful solutions that empower individuals and organizations.

What has past tariff wars taught us?

Analyzing 3 Past Tariff Wars: Profound Economic Fallout

11 minutes of reading / By /

Economic Fallout: 3 Past Tariff Wars An opportunity to analyze Past Tariff Wars. The global economy currently faces its most significant trade shock since the notorious Smoot-Hawley tariffs of the 1930s. President Trump has implemented tariff on Chinese, Canada and Mexico goods which is fundamental shift in the international trade order that has prevailed for nearly a century.  This development provides a timely opportunity to analyze historical tariff wars, extract data-driven insights, and identify critical lessons applicable to present circumstances. The stakes are considerable – the Tax Foundation estimates that Trump’s proposed tariffs could lower U.S. GDP by up to

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Consumer Spending in a mall

Consumer Spending Shifts: 3 Bold Ways Goods Lose to Services

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Consumer Spending Swings: Goods Down, Services Up—What Gives? Here’s the deal: consumer spending is doing a wild dance in 2025. The U.S. Bureau of Economic Analysis (BEA) dropped some eye-opening stats In January, Americans spent $76.6 billion less on goods—like that shiny new TV—while pumping $46.2 billion more into services, like gym memberships or Netflix binges, per the U.S. Bureau of Economic Analysis. We’re ditching stuff for experiences. Why? And what’s it mean for your wallet? Let’s peel back the chaos and find the order—because your money deserves a plan, not a panic. The Big Pivot: From Stuff to Stories

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a person holding coins in their hands Personal Savings Rate Soars

Personal Savings Rate Soars: 6 Powerful Reasons Americans Are Stashing Cash

4 minutes of reading / By /

Personal Savings Rate Spikes: What’s Driving the January Jolt? Here’s the kicker: the personal savings rate in the U.S. leapt to 4.6% in January 2025, up from 3.5% in December, according to the U.S. Bureau of Economic Analysis. That’s a headline worth shouting about—households socked away $1.01 trillion instead of splurging it. But why? Are we all just scared stiff of the future, or is something smarter at play? Let’s unpack this like a financial detective, because chaos doesn’t rule here—patterns do. The Big Shift: From Spending to Saving January hit like a cold shower after the holiday binge. Personal

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a woman looking at a computer screen edutainment

Edutainment: Unlock the Amazing Power of Fun Learning

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Edutainment Unleashed: Can Fun Really Supercharge Learning? Learning’s tough—let’s not kid ourselves. It’s a grind, a wrestle with chaos to carve out order in your mind. But here’s the twist: edutainment—that mashup of education and entertainment—says it doesn’t have to be a slog. Imagine learning history by dodging dysentery on the Oregon Trail or mastering fractions with a catchy tune. Sounds crazy, right? Yet it works. Let’s unpack how this hybrid of brain food and fun tricks your mind into loving the grind—and why it’s no gimmick. The Roots of Edutainment: From Caves to Classrooms Edutainment isn’t new—it’s ancient. Picture

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a car with a tree on its roof now you wonder How Car Insurance is Calculated in Canada

How Car Insurance is Calculated in Canada 2025 : 7 Eye-Opening Factors

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How Car Insurance is Calculated in Canada 2025 : 7 Eye-Opening Factors Car insurance. Just the words can make you groan, right? Especially when those premiums seem to keep creeping up. If you’re a driver in Canada in 2025, you’re likely feeling the pinch of rising living costs, and car insurance is definitely part of that picture. But here’s the thing: understanding how car insurance is calculated in Canada can actually put you in a better position to manage those costs. Think of your car insurance premium as a puzzle. Insurance companies look at a whole bunch of pieces to

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a boy and girl sitting in a bus

Lesson 1 The Power of Budgeting Games: Unleash Your Child’s Hidden Financial Potential

7 minutes of reading / By /

Lesson 1 The Power of Budgeting Games: Unleash Your Child’s Hidden Financial Potential Budgeting games are not mere entertainment; they are powerful tools for instilling fundamental financial principles in young minds. In a complex world, financial literacy isn’t a luxury; it’s a necessity. And where does this critical understanding begin? In childhood. Think of it as cultivating intellectual and practical independence – starting early gives children a profound advantage. The Undeniable Importance of Budgeting Education for Young People Budgeting is not just about numbers and spreadsheets; it’s about developing a framework for rational decision-making regarding resources. It’s about understanding cause

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a cash box with coins and a key

How to Get Ahead Financially: 7 Research-Based Solid Workable Strategies for 2025

28 minutes of reading / By /

How to Get Ahead Financially: 7 Research-Based Solid Workable Strategies for 2025 We live in interesting times. The economy shifts, the world changes, and many people feel like they are running just to stand still financially. You might look around and see a system that seems stacked against you. And there’s truth to that – the gap between those who have and those who don’t is a real problem. But here’s a crucial point: while external forces matter, you are not powerless. The idea that financial well-being is some unreachable dream for most is simply not supported by the evidence.

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a house in the snow

Buying a House in Canada in 2025: Avoid Mistakes – Your Guide

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Buying a House in Canada in 2025: Avoid Mistakes – Your Guide Introduction: Understanding the 2025 Canadian Housing Market The prospect of buying a house in Canada in 2025 is both exciting and complex. The Canadian housing market in 2025 is anticipated to be a dynamic environment, influenced by fluctuating interest rates, new regulatory policies, and diverse regional market conditions. Understanding these factors is crucial for anyone considering purchasing property. This guide provides a comprehensive overview to help you navigate the process of buying a house in Canada in 2025, drawing on the latest market analysis and expert insights. Current

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Buying a house in Mexico ? – 13 Important things to consider

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Buying a house in Mexico ? – 13 Important things to consider Buying a house in Mexico — Are you thinking about it but that’s not a trivial decision. This is a serious financial and personal commitment, and if you don’t approach it with clear thinking and a solid strategy, you could end up in a situation far worse than where you started. So what do you need to consider? Well, here are 13 key factors that will determine whether you’re making a wise investment or a catastrophic mistake. 1. Average Property Prices by Region (2024) Mexico’s housing market isn’t

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is $5000 enough to move out ?

8 minutes of reading / By /

Is $5000 enough to move out ? Yes, if you are asking “is $5000 enough to move out” …but that is not the real question—it’s “Can you make $5,000 work in a way that actually sets you up for success?” Because moving out isn’t just about packing your bags and finding a place to sleep. It’s about building a stable, independent life—and that takes serious planning. Now, if you’re in a low-to-moderate cost area, then yes, $5,000 could be enough. But only if you’re careful with your spending. Living with roommates? That’s a smart move. It cuts down on rent,

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How to budget money on low income – 11 amazing ideas

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How to budget money on low income – 11 amazing ideas Budget money on low income requires adaptability, discipline, and resourcefulness. By systematically tracking income and expenses, reducing non-essential costs, and incrementally building savings, financial stability becomes achievable, even in challenging circumstances. This requires great planning, disciplined spending, and creative money allocation. By prioritizing essential expenses, finding cost-saving strategies, and utilizing community resources, individuals and families can achieve financial stability despite low earnings. Key approaches include tough expense tracking, meal planning, transportation optimization, and incremental savings, all supported by tailored budgeting frameworks and accessible tools. Ready to transform your finances

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How much should I save for retirement per month?

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How much should I save for retirement per month? Retirement Planner How much should I save for retirement per month? This is your core free retirement calculator – Planner to answer your question how much should I save for retirement per month. It estimates how much money you’ll have to save each month to fund your retirement. It considers factors like: This calculator uses your current age, income, and savings to project your retirement needs. It factors in inflation and expected investment returns to determine how much you need to save monthly to reach your retirement goals. The calculation assumes

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When to Start Thinking About Retirement Savings in the USA: A Step-by-Step Guide 2025

3 minutes of reading / By /

When to Start Thinking About Retirement Savings in the USA: A Step-by-Step Guide 2025 Planning for retirement is all about making sure you have enough money to live comfortably when you stop working. The earlier you start, the more time your savings have to grow, but even if you start later, smart planning can still help. This guide covers important steps, saving tips, and expert advice for Americans aged 25–65. Whether you’re just starting your career, in the middle of it, or getting close to retirement, you’ll learn how to grow your savings, manage debt, use Social Security wisely, and

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Down Payment Savings Trends in 2025

3 minutes of reading / By /

Saving for a down payment remains a critical hurdle for homebuyers worldwide. Automate savings by directing 10% of income into high-yield accounts. Use windfalls like tax refunds, as 57% of UK savers do. Downsizing rent by $300/month can save $10,800 in three years. Side hustles help 79% of Australians grow their savings. First-time buyers can explore FHA loans (3.5% down) or Canada’s First Home Savings Account for homeownership benefits.

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a solar panels in a field

2025 Guide to Solar Farm Leasing in Canada: Income, Expenses & ROI

3 minutes of reading / By /

2025 Guide to Solar Farm Leasing in Canada: Income, Expenses & ROI Solar Farm Leasing in Canada: Income, Expenses & ROI (2025 Guide)Unlock passive income with solar farm leasing! Learn how much Canadians earn, tax savings, and expert tips to maximize returns. Key Takeaways What is Solar Farm Leasing? Solar farm leasing is a profitable arrangement where landowners rent their property to energy companies for large-scale solar panel installations. The leasing process typically involves signing a long-term agreement, often ranging from 20 to 40 years, ensuring a steady and predictable income stream. Energy developers handle all costs, including panel installation,

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Transportation Expense Trends is Scary in 2025

3 minutes of reading / By /

Rising fuel prices, inflation, and shifting commuting patterns are reshaping how households spend on transportation. By 2027, U.S. transit ridership is expected to reach 90% of pre-pandemic levels. In Canada, oil and gas jobs may rise by 7.3% in 2025, though tariffs could impact trade. Globally, AI-driven tools like SAP Concur are set to reduce corporate travel costs by 15%.

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Fascinating Passive Income Trends in 2025

4 minutes of reading / By /

The global surge in living costs, technological advancements, and shifting work cultures are driving millions to explore passive income streams. AI-powered chatbots and SEO tools are helping 50% of hustlers increase earnings. Green investments in solar and wind farm leasing are expected to grow 25% annually through 2030. Co-living spaces are projected to account for 15% of rental markets by 2026.

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Emergency Fund Savings Trends in 2025

4 minutes of reading / By /

The ability to handle unexpected expenses is a cornerstone of financial stability. Start by saving $500–$1,000 before building a 3–6 month emergency fund. Automate savings with direct deposits into high-yield accounts. Cut non-essential spending, as 40% of Brits plan to do by 2025. Use windfalls like tax refunds wisely, and consider side hustles—79% of Australians rely on gig work to grow.

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Student Loan Debt Trends in 2025

4 minutes of reading / By /

Student Loan Debt Trends in 2025 Student loan debt remains a critical financial challenge for millions across the USA, Canada, the UK, Australia, and New Zealand. This report breaks down the latest trends, key statistics, and policy changes shaping the student debt landscape in 2025, offering actionable insights for borrowers and policymakers. Key Findings on Student Loan Debt United States: The Trillion-Dollar Crisis Debt Burden by the Numbers Key Drivers Policy Shifts Canada: Rising Debt Amid Affordability Crisis By the Numbers Regional Challenges Repayment Realities United Kingdom: Long-Term Debt and Reform Backlash Debt Snapshot Policy Changes Public Sentiment Australia &

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Interesting Real Estate Investment Trends in 2025

5 minutes of reading / By /

The global real estate investment market is undergoing significant transformation in 2025, driven by shifting economic policies, technological advancements, and evolving consumer demands. AI-driven data center investments are set to grow 25% annually through 2030, led by the U.S. and Japan. Co-living spaces are expected to make up 15% of rental markets in the UK and Australia by 2026. Meanwhile, 3D-printed homes could cut construction costs by 30% by 2027, transforming affordable housing in New Zealand and Canada.

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a woman holding a baby

2025 Food Expense Trends – Smart Advice

3 minutes of reading / By /

Food expenses continue to strain household budgets globally. Buying frozen vegetables saves 30% while keeping the same nutrients as fresh. Cooking in bulk and freezing portions maximizes time and cost efficiency. Rewards programs like Coles (AU) and Tesco (UK) offer fuel discounts. Shopping on Wednesday evenings helps snag markdowns on expiring items. Growing a $3 basil plant can yield $50 worth of fresh leaves.

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Rising Side Hustle Trends in 2025

4 minutes of reading / By /

The global economy continues to shift, and side hustles have become essential for millions seeking financial flexibility, career autonomy, and creative fulfillment. In Australia, 45% depend on side income to cover daily expenses amid the cost-of-living crisis. Flexible work is gaining traction, with 87% of freelancers valuing independence over traditional jobs. Digital platforms like Canva and Shopify are making low-cost startups more accessible.

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The Evolution of Technology and Artificial Intelligence in 2025

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The Evolution of Technology and Artificial Intelligence in the year 2025 marks a pivotal moment in the integration of artificial intelligence (AI) and advanced technologies across industries. From precision-driven AI models to quantum computing breakthroughs, the technological landscape is undergoing a paradigm shift characterized by efficiency, sustainability, and human-machine collaboration.

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