We all know that we ought to be paying ourselves first — by building a healthy emergency fund, investing in our retirement accounts, and saving for important future purchases. However, it can feel like paying ourselves first will end up shortchanging our other financial obligations. How can you pay yourself first when you barely have enough money to make it ...

As a whole, American real estate is some of the cheapest developed country real estate in the world. When you add on how much money you can make in America thanks to the proliferation of world-class companies, American real estate becomes an even better bargain. Below is The Economist’s real house price index. Notice how cheap the United States is ...

Most people never consider their empty space as a way to generate income. They’re missing out and overlooking a wide range of potential sources of passive income. From houses to storage areas to parking spaces, you may have something people would be happy to pay you to rent. And in doing so, they’ll cover some or all of your monthly ...

Haggling, also known as bargaining, is a form of negotiation two parties engage in when trying to come to an equitable agreement for the price of goods or services. In most parts of the world, haggling is a way of life. It’s not as popular here in the United States as it is in other countries, but that’s quickly changing. ...

A while ago I started a journey. I had been retired a couple years or so by then and somehow I got on the “kick” of reading retirement books. By that time I was an “old expert” at the retirement thing and I wanted to see who knew their stuff and who was simply blowing smoke. (And believe me, there ...

Health insurance is one of those things everyone needs but that nobody likes thinking about. Coverage can be expensive, and having to use your coverage often means that you’re sick or injured. There are many different types of health insurance, each with pros and cons. If you’re looking for a plan with a low monthly cost, a high-deductible health plan might be ...

According to data from the National Retail Federation, the average American consumer spent $659 on holiday gifts in 2019. That’s approximately 2% of the U.S. median personal income, according to data from the Federal Reserve Bank of St. Louis — no small chunk of change. For most Americans, completely doing away with the annual holiday gift-giving ritual simply isn’t realistic. At ...

Photo credit: jb I often get the question – how long should I keep my _________ (fill in the blank)? So I thought I’d put together a list of the most common types of documents with some guidelines as to how long you should keep those documents. I’ll try to keep this as simple as possible – but obviously, if ...

Oct 23rd, 2020 by sraskie. Photo credit: jb Dealing with personal finances can be daunting. They could be a new venture for you or your current way of dealing with them is less than ideal. Here are some tips that can aid you in developing good personal finance habits. Use technology. Whether developing a budget, savings plan, etc. the use ...

As the COVID-19 pandemic continues, schools across the country are forced to reckon with a different kind of school year. Some school districts, colleges, and universities have fully opened to in-person classes with safety measures in place. Others have transitioned to hybrid models or gone entirely online. Regardless, teachers who have never taught online courses continue to need access to resources ...

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