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Nicholas Chan

Nicholas Chan

I think of QBR as my personal playground. When it's not breaking down I run around adding fun new features. Outside of QBR, I run a business called Cromble, write at whirlingthoughts.com, and invest!

Kingston, ON •
12 posts •
Blue-Sky Bias
Finance

Blue-Sky Bias

Scott McFarland pulls no punches as he questions the integrity and credibility of Tesla's management team.

  • Nicholas Chan
    Nicholas Chan
24 min read
The Wrong Answer to the Right Questions
Politics

The Wrong Answer to the Right Questions

America misses the mark with the tax bill.

  • Nicholas Chan
    Nicholas Chan
10 min read
Insurance and IoT: When Data Becomes Dangerous
Tech

Insurance and IoT: When Data Becomes Dangerous

With increased data prevalence, consumers are now subject increased monitoring as companies continuously seek to better understand their customers and improve their profitability.

  • Nicholas Chan
    Nicholas Chan
4 min read
How the Canadian Government Has Failed the High-Tech Sector
Economics

How the Canadian Government Has Failed the High-Tech Sector

Year after year, Canadians watch multi-billion-dollar tech companies either collapse or flee to the bay area, and are left asking why their country seems unable to create long-term high-tech growth

  • Nicholas Chan
    Nicholas Chan
5 min read
Harsh Realities of Endowment Investing

Harsh Realities of Endowment Investing

Endowment funds' over exposure to risky assets prior to the financial crisis, sky-rocketing management fees, and questionable ethical practices have contributed to growing criticism of their investment models and even called into question their purpose entirely.

  • Nicholas Chan
    Nicholas Chan
5 min read
Fast But Unfair: The Rise of Online Lenders and Renewed Risks in Discriminatory Lending
Finance

Fast But Unfair: The Rise of Online Lenders and Renewed Risks in Discriminatory Lending

Advances in technology and an increased access to data are changing the way consumers and small businesses secure financing. Everything and anything that’s available can be used to form a picture of who you are and whether you are a reliable borrower.

  • Nicholas Chan
    Nicholas Chan
5 min read
Digital Danger: Cybersecurity in the Age of Global Connectivity
Finance

Digital Danger: Cybersecurity in the Age of Global Connectivity

As businesses leverage technological innovation for enhanced efficiency and optimization, they in turn expose themselves to increased economic and security related consequences.

  • Nicholas Chan
    Nicholas Chan
5 min read
Deficits And The Youth Vote
Politics

Deficits And The Youth Vote

As winter has set in across Canada and federal members of Parliament return to the House of Commons, public interest in fiscal policy seems to have waned. Discourse surrounding the federal deficit has been scarce.

  • Nicholas Chan
    Nicholas Chan
4 min read
Humanity Redundant
Economics

Humanity Redundant

When people do not have to constantly worry about self-sustenance through fulfilling their basic needs, they focus on specialization, leaving everyone better off. This cycle of innovation is ultimately what drives economic development and how standards of living rise.

  • Nicholas Chan
    Nicholas Chan
4 min read
Grade Inflation: A Quiet Epidemic
Student Life

Grade Inflation: A Quiet Epidemic

Grade inflation is often discussed as one of the largest threats to the meritocracy of liberal academia. There are many reasons why grade inflation is not addressed in universities, but the simplest answer is often the right one: there are no incentives to do so.

  • Nicholas Chan
    Nicholas Chan
4 min read
Three's a Crowd - The Future of Telecom
Tech

Three's a Crowd - The Future of Telecom

With poor customer service, high prices, hidden fees, and fluctuating billing, should Canada support another telecom player?

  • Nicholas Chan
    Nicholas Chan
6 min read
“Bricks-and-Clicks”: A Happy Medium for The Disruption in Canadian Retail
Tech

“Bricks-and-Clicks”: A Happy Medium for The Disruption in Canadian Retail

The retail landscape in Canada has recently shown signs of weakness, succumbing to the changes brought on by e-commerce and downward pricing pressure.

  • Nicholas Chan
    Nicholas Chan
6 min read
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