Mohamed Elnhas

What he does here

Every guide, calculator and directory entry on AINext Growth is written and checked by Mohamed. In practice that means three jobs:

• Building the calculators. The loan payment, personal loan and debt payoff tools use standard amortisation mathematics. Mohamed writes the formulas, checks them against worked examples, and publishes the formula each tool relies on so a reader can verify the arithmetic independently.
• Maintaining the banking directories. The country, state and region pages name the regulator, the deposit protection scheme and its limit for each jurisdiction. Those facts are taken from primary sources — regulator websites and statute — and each page records when it was last reviewed.
• Reviewing before publication. Factual claims on this site are checked against primary sources before they go live. Where a claim cannot be verified, it is either removed or the limitation is stated on the page.

Professional background

The financial writing on this site sits on top of an engineering and trading career, and the two are connected more than they might look. The quantitative habit came first; the markets came second.

• Mechanical engineering, industrial production. Mohamed trained as a mechanical engineer and works in industrial production. That background is why the calculators on this site are built the way they are: a production engineer is used to a figure being either right or wrong, and to the cost of a unit drifting by a fraction of a percent.
• Twenty-five years in foreign exchange. He has worked in the forex market for twenty-five years. Currency conversion is the mechanism behind most of the numbers on this site — what a rate means, when a spread moves, why a headline rate is never the rate you get.
• Economics. He studied economics alongside the engineering degree, which is where the framework comes from: the pages here explain mechanisms and their trade-offs rather than recommending a course of action.
• Competition result. He won an Orbex demo trading competition, taking the first prize of $500. A demo competition trades simulated funds rather than real money, so it is evidence of method and discipline under a public ranking, not evidence of returns. It is described here at the level the evidence supports: one win, in a demo account, in one competition. Like the rest of this page, it rests on a third party's result rather than on our own checking — the methodology page describes how the site's own figures are verified, and this credential sits outside that process by definition.
• First place, المتداول العربي (Al-Mutadawal Al-Arabi). He separately ranked first in a trading ranking published by المتداول العربي, an Arabic-language trading publication, competing under the handle mmavtv. This is a different result from the Orbex competition above, not a restatement of it, and it is attributed to the publication that published the ranking rather than claimed on our own authority. The handle is published so that a reader can look the entry up and check it. A leaderboard measures whatever its own rules measure — return, consistency, or a risk-adjusted score — so the criteria are stated by the publication that ran it.

How a page on this site is actually produced

The process is the same whether the page is a calculator, a guide or a banking directory entry. It is written out here because "reviewed for accuracy" is a claim any site can make, and a method is the only way to judge whether it means anything.

1. 1
   Start from the primary source, not from other articles. A deposit protection limit comes from the scheme's own published rules. A tax bracket comes from the revenue authority. An interest rate is treated as an illustration and labelled as one, because advertised rates move and a stale rate presented as fact is a silent error.
2. 2
   Write the formula into the page. Calculators publish the arithmetic they use. If a tool says it amortises a loan, the amortisation formula is on the page, so the result can be reproduced by hand or in a spreadsheet and checked.
3. 3
   Work every example twice. Every worked example is computed, not estimated, and then re-checked independently. This matters more than it sounds: an example that says a 15-year mortgage saves a particular sum is a factual claim, and a plausible-looking but wrong figure is the most damaging kind of error a finance site can publish, because it is the one a reader is least likely to catch.
4. 4
   State the limits. Where a calculation depends on an assumption — a constant rate, a fixed contribution, a particular tax treatment — the page says so. Where a question has no general answer, the page gives the conditions under which each answer holds instead of picking one.
5. 5
   Cite the regulator, not a summary of it. Banking and consumer-credit pages link to the actual authority — FINMA, the Banco de España, the ACPR, De Nederlandsche Bank, the FCA, the FDIC and their equivalents — so a reader can confirm the rule rather than trust the description of it.

What he is not

It is worth being explicit about the limits of the expertise behind this site, because finance writing is full of implied authority that does not survive scrutiny.

• Not a licensed adviser. There is no regulatory authorisation behind this site, in any jurisdiction. Nothing here is personal advice, and the pages are written so that they are not — they explain how a product works and what it costs, not what you should buy.
• Not a lender, broker or intermediary. The site does not arrange credit, does not take applications and does not receive commission per application. It cannot influence what you are offered.
• Not a substitute for your own documents. If a page here and your loan agreement disagree, the agreement governs. The purpose of the guides is to help you read it, not to replace it.

Why the site publishes its methodology

Three pages exist specifically so the standards can be checked rather than asserted: Methodology describes how figures are calculated and tested, Source Policy sets out which sources are acceptable and which are not, and Fact Checking explains what happens between a draft and a published page. Editorial Policy covers the firewall between commercial arrangements and editorial decisions.

How the site is funded, and what that means

AINext Growth is funded by advertising and by affiliate arrangements with financial products. Mohamed decides what gets published, and no advertiser, bank or lender sees content before it goes live or has any say over it. Where a page contains an affiliate link, it is labelled. The full terms are set out in our Editorial Policy and Affiliate Disclosure.

What this site is not

Mohamed is not a licensed financial adviser, and nothing on this site is personal financial advice. The calculators are arithmetic tools, and the directories are reference material. They describe how lending and deposit protection work in general terms — they do not tell you what to do with your money. If you need advice about your own circumstances, you need a regulated adviser in your jurisdiction.

Corrections

If you find something on this site that is wrong, say so. Errors are corrected and the correction is noted on the page rather than quietly removed. Write to contact@ainextgrowth.com.

Where he writes

Guides are published under Guides. Reference directories are under Banking. Every article carries the date it was last reviewed, and links to this page.