Vasil V.
Finance
Vasil Vodenov is a finance author with a Bachelor's degree in Finance from the University of Warwick. Over the past nine years, he has written extensively on personal finance, investing, retirement planning, and financial markets, helping readers understand complex financial topics through practical, research-backed content.
His career includes financial content and research roles at Morningstar and Fidelity International, where he contributed to investment education resources, market commentary, and consumer finance articles. Today, Vasil focuses on producing clear, unbiased financial content based on reputable sources, industry research, and current market developments.
Email: vasil.v@mavengity.com
Top 6 articles by Vasil V.
AI Just Passed Cyberattacks as the Top Compliance Worry. That's a Measure of Uncertainty, Not Danger.
Compliance anxiety tracks unsettled rules far more closely than it tracks real danger, which is why a mature threat like cybersecurity ranks low even as breaches keep climbing.
Fannie and Freddie Are Pausing Fewer Payments and Permanently Rewriting More Loans. The Tool They Choose Is a Diagnosis.
Deferral treats a timing problem and modification treats an affordability problem. The rising share of modifications is a bet about which kind of trouble borrowers are actually in, not a neutral paperwork shift.
The Fear Is That AI Disrupts Financial-Data Giants. ICE's Bet Is That AI Commoditizes the Model, Not Its Moat.
As AI capability spreads, does it commoditize the model or the moat? ICE says the model. Regulation and data gravity make that argument stronger in mortgage than almost anywhere else, but it does not settle the question.
The Second-Lien Boom Isn't Just About Locked-In Homeowners. It's About Who Ends Up Holding the Risk.
A deep securitization bid is what lets lenders scale second-lien lending in the first place, and it's quietly moving a growing pile of subordinate mortgage risk from lenders to bond investors.
A Popular Law Capped What Seniors Pay for Drugs. The Cost Didn't Vanish. Ending This Subsidy Shows Where It Went.
CMS is ending the Part D Premium Stabilization Demonstration, and both parties reached for opposite slogans. Underneath them is one fact neither wants to state plainly: this subsidy masked a cost the 2022 out-of-pocket cap created, and ending it doesn't remove that cost, it moves it back onto premiums.
Wall Street Made Caterpillar an AI Stock, Then Downgraded It on AI Risk. The Engines Don't Care Either Way.
Baird cut Caterpillar to Neutral this week, citing regulatory headwinds to data-center construction. The stock re-rated nearly 100% over the past year on the AI power-infrastructure story, which is exactly the risk the downgrade is pricing. What it misses is that the same engines sell into pipelines and mines too.