They do their research, maybe consult with friends and use low-cost online tools to track and manage their short- and long-term goals.

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There is a simpler way to cut the Gordian knot of rising debt and college costs, one that would help desperate graduates in the short term and lower the cost of college in the long term.

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All these crises are alike in that the bankers play the yield curve and push money out to doubtful borrowers in order to get maximum advantage of the spread between the cost of borrowing short term and lending long term.

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In particular, how do you balance the loss of public sector investments and jobs that will cost more in the long run with short term budgetary gains?

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Many investors, especially in low interest rate countries like Japan, can borrow money at low cost and invest it in Brazilian local currency bonds that pay much higher yields for both short and long-dated bonds.

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The choice to think long-term and build its user links through sales of Kindle Fire at cost has limited short-term profits, but every action Amazon has taken to grow has paid off handsomely because they accelerate the natural trends and position Amazon as the leader.

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Such a partnership could see big cost savings for the carrier, by herding short-haul passengers into trains and focusing on more profitable long-haul plane trips.

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