For most people the biggest investment decision during their entire life course is the decision how to finance their home. The calculation of the costs of a bank loan over 10, 15 or 20 years to finance the acquisition of a home is a necessary part of basic financial literacy. The contract of monthly installments over years, considering economic uncertainties like inflation and interest rate payments, necessitates some basic knowledge of calculus and maybe the use of a spreadsheet to prepare payment plans with different scenarios. According to the Wall Street Journal of 2025-6-25 many home owners in southern states “slipped under water” in recent months in the USA. In short, buying a house when they are most expensive with a high interest loan and little down payment puts you at high risk if the prices for homes decline, for example like in a recession or stagnation. You can find yourself in the situation that the mortgage you have to pay suddenly exceeds the value of your home at actual prices. It is really important to be aware of the overall economic situation and risks of changes, like interest rate or inflation spikes due to a changing policy on tariffs. Reading and learning about financial risks should really enter into the school curriculum, but not left to maths classes as this will frighten off many students to take this topic seriously enough.





















The flowering season starts earlier in Europe and bees start earlier ro their collection of nectar and their service of pollination to other flowers. In early April 2025 in France near Paris we observe wild bees already in their daily routine. However, the risk of cold nights is still there, albeit those building their homes below the surface are a bit less at risk during a frosty night. Seeking a clever shelter is a good strategy for survival particularly at times of global warming. Some kinds of wild bees seem to sense this already changing homes from one season to next one. Humans remain their toughest enemies as they restrict their choices quite severely. Man-made pollution and herbicides are beyond bees’ control and cause havoc in the ecosystem of bees. Apiculture is an interesting science also for social scientists as this forerunner species of the matriarchy has evolved into a well-organized productive society. They are a bit harsh to each other and communication is rather unidirectional, but an interesting social cosmos of its own kind.










