Michael Johnson
Tax Attorney, Johnson & Associates
Michael Johnson is a tax attorney with extensive experience in privacy law and consumer rights.
Credit & Personal Finance
Is Nearshoring the Supply Chain Revolution That Finally Makes Economic and Political Sense — or a Trend That Will Quietly Reverse When Labor Costs Equalize?Is nearshoring the supply chain revolution companies have been waiting for — or a temporary fix that fades once labor costs catch up? Erica Williams champions the agility and resilience of manufacturing closer to home, Michael Johnson warns the cost advantages will erode as nearshore labor markets mature, and Linda Chen argues most companies haven't done the financial homework to know which side they'll land on.
Financial Technology (FinTech)
Should You Ever Use a Financial App That Sells Your Spending Data?Financial apps have transformed the way people budget, invest, and track spending, often offering sophisticated tools at little or no upfront cost. Yet many of these services generate revenue by collecting, analysing, and sometimes selling anonymised or aggregated user spending data to third parties. This raises a difficult question: is exchanging personal financial information for convenience a reasonable trade-off, or does it expose consumers to unnecessary privacy and security risks? Experts agree that financial apps can deliver genuine value, but they also stress that transparency and informed consent are essential. The debate is ultimately about trust—whether consumers can confidently understand how their financial data is used and whether the benefits justify the potential loss of privacy.