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Posts by Ramon Cristian

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About Ramon Cristian
Hi! I’m Ramon Cristian, a passionate and driven professional with a background in economics, finance, and education. I earned my Bachelor of Science in Economics from the Federal University of Espírito Santo in Brazil, and I’m currently pursuing an MBA with a concentration in Finance at Fayetteville State University in the United States. Throughout my career, I’ve worked in education, public service, and administration - gaining hands-on experience in financial coordination, teaching, and digital transformation projects. From supporting school systems in Brazil to advancing my business knowledge in the U.S., I thrive at the intersection of data, strategy, and impact. I’m always eager to learn, solve problems, and make a difference, whether it’s in the classroom, the office, or through innovative initiatives that improve how organizations work. Outside of academics and work, I’m a fan of Pokémon, an enthusiast for skincare products, and I find joy in gardening during my free time. Whether it's building spreadsheets or planting herbs, I’m always exploring ways to grow.
The Science of Macroeconomics: GDP, Inflation, Unemployment, and Economic Models Explained
Posted inEconomics

The Science of Macroeconomics: GDP, Inflation, Unemployment, and Economic Models Explained

Introduction: What Is the Science of Macroeconomics? Macroeconomics is the study of the economy as a whole. Instead of focusing on one person, one company, or one market, macroeconomics looks…
Posted by Ramon Cristian May 17, 2026
Common Financial Ratios Explained (With Formulas and Ranking)
Posted inFinance

Common Financial Ratios Explained (With Formulas and Ranking)

Financial ratios are essential tools used in financial analysis, valuation, credit analysis, and corporate finance. They help investors, analysts, managers, and students understand a company’s liquidity, solvency, efficiency, profitability, and…
Posted by Ramon Cristian January 26, 2026
How to Solve Cash Flow from Assets Problems (Step-by-Step)
Posted inFinance

How to Solve Cash Flow from Assets Problems (Step-by-Step)

Understanding cash flow from assets is essential in corporate finance because it shows how much cash a firm’s assets actually generate, independent of how the firm is financed. Students often…
Posted by Ramon Cristian January 18, 2026
The Comprehensive Guide to Corporate Cash Flow
Posted inFinance

The Comprehensive Guide to Corporate Cash Flow

The Comprehensive Guide to Corporate Cash Flow: From Operating Cash Flow to Free Cash Flow In the world of accounting, "Profit" is an opinion, but "Cash" is a fact. While…
Posted by Ramon Cristian December 26, 2025
Financial Statements and Cash Flow Explained: The Complete Guide for Beginners
Posted inFinance

Financial Statements and Cash Flow Explained

Financial Statements and Cash Flow Explained: The Complete Guide for Beginners Understanding financial statements is one of the most important skills in finance, investing, accounting, and business management. Whether you…
Posted by Ramon Cristian December 24, 2025
CBDCs a public alternative to the Token Economy?
Posted inEconomics

CBDCs a public alternative to the Token Economy?

Are Central Bank Digital Currencies (CBDCs) a public alternative to the Token Economy or a defensive reaction? Introduction The global monetary and payments landscape is undergoing a structural transformation. Cash…
Posted by Ramon Cristian December 18, 2025
Navigating the Next Wave: Key Signals from Early CBDC Launches and Pilots
Posted inEconomics

Key Signals from Early CBDC Launches and Pilots

Navigating the Next Wave: Key Signals from Early CBDC Launches and Pilots Abstract Since 2020, a small group of jurisdictions have launched central bank digital currencies (CBDCs) for individuals, while…
Posted by Ramon Cristian December 16, 2025
Corporate Finance Explained for Beginners: The Complete Guide
Posted inFinance

Corporate Finance Explained for Beginners: The Complete Guide

Corporate finance is one of the foundations of business, investing, and economics. Every company, whether it is a small startup, a family business, or a multinational corporation, must make financial…
Posted by Ramon Cristian December 14, 2025
How Artificial Intelligence is Transforming Marketing: Insights, Ethics, and the Future of Personalization
Posted inMarketing

How Artificial Intelligence is Transforming Marketing: Insights, Ethics, and the Future of Personalization

By Ramon Cristian Rocha Silva In today’s fast-changing digital world, artificial intelligence is not just a futuristic idea. It is actively shaping how brands communicate, connect, and convert. From improving…
Posted by Ramon Cristian August 2, 2025
MKTG640 reviewing for your, this comprehensive guide will walk you through all 20 questions based on chapters 15, 16, 17, and 19 (from the Kotler & Keller textbook, 16th edition)
Posted inMarketing

Guide to MKTG640 Concepts Quiz (Chapters 15–19) with Answers and Explanations

MKTG640 reviewing for your, this comprehensive guide will walk you through all 20 questions based on chapters 15, 16, 17, and 19 (from the Kotler & Keller textbook, 16th edition)…
Posted by Ramon Cristian July 27, 2025

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