Mammoney - Your Ultimate Guide to Personal Finance & Investing

100K Followers on Instagram a Lot? Introduction In the vibrant ecosystem of social media, Instagram stands as a powerhouse with over 2.4 billion monthly active users in 2025, serving as a platform where influence, branding, and monetization converge to redefine modern fame and entrepreneurship. The question of whether 100,000 followers on Instagram constitutes "a lot" is not merely a matter of numbers but a complex evaluation of influence, engagement, and economic potential in a digital landscape where follower counts often serve as a proxy for credibility and impact. This metric has gained significance as Instagram has evolved from a photo-sharing app into a global stage for creators, businesses, and influencers who leverage their audiences for sponsorships, product launches, and cultural influence, with the platform contributing significantly to the $127.65 billion creator economy [4]. The importance of this topic lies in its relevance to aspiring creators, marketers, and b...

Investing in China's AI Startups: What Foreign Investors Should Know Introduction China's artificial intelligence sector stands at the forefront of global technological transformation, with projections indicating that total AI investment in the country will reach $98 billion in 2025, over half of which is backed by government initiatives. This surge reflects not only Beijing's strategic ambition to integrate AI into 90 percent of its economy by 2030 but also a burgeoning ecosystem of innovative startups driving breakthroughs in generative AI, autonomous systems, and industrial applications. For foreign investors, the allure is undeniable: access to a market where AI adoption is accelerating at unprecedented speeds, fueled by a talent pool that produces more engineers annually than the entire United States combined, and a policy landscape that prioritizes self-reliance amid U.S.-China tech tensions. Yet, this opportunity comes wrapped in complexities—geopolitical risks, regu...

How to Make a Living as a Content Creator? Introduction In the digital age, content creation has evolved from a hobby into a viable career path, where individuals leverage platforms like YouTube, TikTok, Instagram, and emerging social media to produce videos, posts, podcasts, and articles that engage audiences worldwide. This profession encompasses a broad spectrum, from influencers sharing lifestyle tips to educators delivering specialized knowledge, all while monetizing their creativity through diverse revenue streams such as advertisements, sponsorships, merchandise sales, and subscriptions. The relevance of making a living as a content creator has surged amid the creator economy's explosive growth, valued at $127.65 billion in 2025 and projected to expand at a compound annual growth rate of 22.5% through 2028, reflecting a shift toward decentralized media where traditional gatekeepers like studios and publishers yield to independent voices empowered by accessible technology a...

Geography Matters: Global Diversification Explained Introduction In the realm of investment strategy, the concept of diversification has long been heralded as a cornerstone for mitigating risk and enhancing potential returns, but when geography enters the equation, it transforms this principle into a dynamic global framework. Global diversification refers to the deliberate spreading of investments across various geographic regions—encompassing developed markets like the United States and Europe, emerging economies in Asia and Latin America, and even frontier markets in Africa and the Middle East—to avoid over-reliance on any single country's economic performance, political stability, or market cycles. This approach acknowledges that no economy operates in isolation; instead, they are interconnected through trade, supply chains, and financial flows, yet each is influenced by unique local factors such as natural resources, demographic trends, regulatory environments, and cultural dyn...

Transforming Loan Securitization with Blockchain Technology Introduction to Blockchain in Loan Securitization Loan securitization has historically been a pivotal financial tool, enabling lenders to convert illiquid assets like mortgages or consumer loans into marketable securities, thus freeing up capital and distributing risk. The traditional process, however, is bogged down by inefficiencies—complex intermediaries, delayed settlements, and risks of data manipulation. Blockchain technology, a decentralized ledger system popularized by cryptocurrencies, offers a groundbreaking solution by introducing transparency, automation, and security. By recording transactions on an unalterable, distributed network, blockchain streamlines securitization, making it more efficient and accessible. With global securitized assets worth trillions, the integration of blockchain is increasingly vital in addressing regulatory challenges and operational bottlenecks post the 2008 financial crisis. This art...

Which Social Media Pays the Most? Introduction In the digital age of 2025, social media has transcended its origins as mere networking tools to become lucrative platforms for content creators, influencers, and everyday users seeking to monetize their online presence. With the creator economy valued at over $250 billion globally, understanding which platforms offer the highest payouts is crucial for aspiring and established creators alike, as it directly impacts earning potential, career sustainability, and strategic content distribution. Factors such as ad revenue sharing, sponsorship opportunities, and platform-specific funds have evolved rapidly, influenced by algorithmic changes, user engagement trends, and competitive pressures among tech giants. This article aims to explore and compare the monetization landscapes of major social media platforms, identifying which one pays the most based on current data, while providing insights into payout structures, eligibility criteria, and r...

What Niche is Trending in 2025? Introduction As we navigate the complexities of 2025, identifying trending niches has become a critical endeavor for entrepreneurs, investors, and innovators seeking to capitalize on emerging opportunities in an ever-evolving global marketplace. The past few years have witnessed rapid shifts driven by technological advancements, changing consumer behaviors, and significant societal transformations, making the pursuit of profitable niches more relevant than ever. With the digital economy projected to exceed $6 trillion by this year and competition intensifying across traditional sectors, understanding which niches are gaining traction offers a strategic advantage for those aiming to establish a foothold in high-growth areas. This article aims to dissect the trending niches of 2025, providing a detailed analysis of their drivers, potential, and practical applications, while equipping readers with the knowledge to make informed decisions in this dynamic lan...