Some people dream of the day that they can wake up with absolutely nothing to do. For them, retirement consists of sleeping in, lounging poolside, and doing as little as possible for the rest of their lives. But for most people, a life with nothing to do doesn’t sound so pleasant. And with 72 percent…
3 Steps to Lower the Cost of Your Debt
Does the thought of dealing with your debt make you want to go back to bed? More than 1 in 5 Americans (22 percent) are likely to put off creating a debt payoff plan, according to a June 2022 survey from NerdWallet conducted online by The Harris Poll. That’s a lot of procrastination, and it’s…
Can’t Qualify for a Personal Loan? 4 Alternatives to Try
Personal loans provide fast, unsecured funds that can pay for anything from home repairs to medical emergencies. Instead of requiring collateral like a house or car, many lenders prefer applicants with strong credit and high incomes. But what if you don’t meet a lender’s requirements? People who don’t qualify for a personal loan have alternatives…
Selling Stuff as a Side Hustle
Who wouldn’t want to make some extra cash on the side? People can consider making a side hustle out of selling old stuff. Measurable success depends on the time and effort put into this effort, and it’s really not that hard to do. Gaining profit is possible if the timing is right and the seller…
How to Cultivate a Happier Retirement
Researchers have identified several factors besides money that contribute to a happier retirement, including good health, strong relationships, and a sense of purpose. But setbacks are inevitable, in life and in retirement. Not everyone enjoys good health—and no one enjoys it forever. Loved ones die or move away. The pursuits you thought would give your…
How to Help Loved Ones Deal With Debt
Juan Pinon, an electrical engineer in McAllen, Texas, struggled with credit card debt for years. It wasn’t until he confided in his sister that he began to turn things around. “It just so happened that one day I opened up to my sister, and she confessed to me that she had debt issues and was…
How the Inflation Reduction Act Can Help Your Small Business
On Aug. 16, 2022, President Joe Biden signed the Inflation Reduction Act of 2022 (IRA). The bill was equally divided in votes for and against it, and was passed by a tie-breaking vote from Vice President Kamala Harris. Now it is law. Several things are in it that could affect your small business. An Ongoing…
Spending: How to Spend $1,000 or Less to Build Career Skills
By Kim Clark From Kiplinger’s Personal Finance Buttressing your resume with a new skill is one of the best ways to make a modest financial investment pay big returns. One study found that, depending on the skill and the worker’s previous education and job, some holders of short-term credentials earned 65 percent more than otherwise…
11 Crazy Expensive Things Rich People Buy
Have you ever wondered what you would spend money on if you were to win the lottery or suddenly become rich? It can be fun to daydream about the possibilities. After all, there’s no telling what wild, exciting things and experiences would be within reach. While most people are likely stressing about inflation, the rising…
How to Manage Your Funds If You Move Abroad
People move overseas for various reasons. Maybe you landed a dream job with an international corporation or want to study for your doctorate without drowning in student loan debt for a lifetime. Many Americans choose the emigration option if they have chronic health conditions and an in-demand career or spouse with such a role—they can…
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