Are you getting the best rate of return on investment? Kiplinger's Personal Finance Magazine annually discusses ways to boost your investment yield in their latest issue. I have to say that I am always pretty disappointed in their recommendations. I love the magazine, but I didn't really care for a list of mutual funds and Exchange Traded Funds (ETFs). But, I wanted concrete ideas on how to earn a 10% annual rate of return on my investments. US Treasuries are earning less than 1% and money market funds are not fairing much … [Read more...] about Ten Ways To Earn A 10% Rate Of Return On Your Investments
How To Find The Perfect Work Life Balance At Your Job
Achieving a work life balance is often discussed, but infrequently agreed-upon by workers and their employers alike. While some people argue that it’s up to companies and managers to allow their employees greater flexibility in their careers to balance out their familial obligations and personal enrichment activities, others such as TED Talk speaker Nigel Marsh argue that it’s up to individuals to balance out their day jobs and personal lives on their own terms. According to the American Psychological Association’s annual “Stress in America” … [Read more...] about
Top 5 Investment Ideas You Do Not Have to Manage
Investing your money is one of the wisest things that you can do for your finances. Investing your money will let that hard earned money make even more money for you. If you've never dipped your toes into the investment waters, then it can be a scary thought, but thankfully, there are dozens of investment ideas and options that you can choose from that don't require you to be a financial wizard. Investment Ideas You Do Not Have to Manage Robo-Advisors Thanks to the Internet, investing has never been easier, especially for any investors that … [Read more...] about Top 5 Investment Ideas You Do Not Have to Manage
Should You Subscribe to a Meal Kit Delivery Service? Like HelloFresh?
Meal kit delivery service has become a multimillion-dollar industry, which is expected to grow even bigger in the years to come. From Blue Apron to HelloFresh, meal kit delivery services offer consumers unparalleled access to (semi)affordable, fresh, and convenient meals for breakfast, lunch, and dinner. With a meal kit delivery service, you can choose 2-4 meals (on average) from a menu of 6-8 meals that changes on a weekly basis, ensuring you always have a variety of options to choose from. Every ingredient you need is included with your … [Read more...] about Should You Subscribe to a Meal Kit Delivery Service? Like HelloFresh?
6 Useless Everyday Products to Stop Wasting Money On
Even when you think you have no room left in your budget to cut expenses, you might be surprised by how many things you’re still needlessly spending money on when there are cheaper or even free alternatives available. Spending money on needs and wants is a psychologically rewarding activity, which is why it’s so easy for us to overlook areas where we could/should rein in our spending, but if you want to accomplish your financial goals then wasteful spending areas are the best places to make some progress and stop wasting money. Things You Are … [Read more...] about 6 Useless Everyday Products to Stop Wasting Money On
Top 6 Tips to Easily Keep Your Credit in Good Condition
For the most part, everyone knows that having a great credit score is essential. Credit operates as a major deciding factor when it comes to lending. Banks, more often than not, will review your score before deciding to help you finance major purchases. Items like a house or a car fall into this category, as do other types of big loans. How to Keep Your Credit in Good Condition Beyond that, good credit will come into play when trying to carry out other tasks like getting a job or renting an apartment. So, it's important to keep your credit … [Read more...] about Top 6 Tips to Easily Keep Your Credit in Good Condition
Personal Net Worth: Why and How You Should Calculate It
We always hear about the fabulously luxurious lives of wealthy folks with a reportedly high net worth, but income is just one of many factors involved in net worth calculations. Surprisingly, someone who drives an older car, lives in a modest home, and dines at average restaurants once per week or so could very well have a higher net worth than the guy dropping off his flashy new BMW convertible at the valet of a resort to spend an evening wining and dining with friends. How can that be? According to Investopedia, personal net worth is … [Read more...] about Personal Net Worth: Why and How You Should Calculate It
6 Easy Ways to You Can Protect Yourself After the Equifax Hack
By now, you’ve almost definitely heard about the Equifax hack that impacted as many as 143 million Americans (that’s 44% of the country’s population!). If you have more than one credit card, loan, or recently had your credit report checked by a lender or landlord, there is a decent likelihood that Equifax’s massive security mess-up could involve you. The problem is, after the news about the data breach was announced – 2 months after the hacking incident occurred – there is lots of misinformation swirling around and Equifax’s widely unpopular … [Read more...] about 6 Easy Ways to You Can Protect Yourself After the Equifax Hack
When Should You Buy Life Insurance – Buying Insurance Young
When should you buy life insurance? When buying life insurance, it often saves you money if you think about the transaction from the insurance company's point of view. Their goal, of course, is to take in more insurance premiums than they have to payout in claims. So, which populations of the insurance company’s potential client base will pay more insurance premiums before they die and their family claims the payout. It’s the law of large numbers and averages at work. And, it’s where actuaries make their living. When Should You Buy Life … [Read more...] about When Should You Buy Life Insurance – Buying Insurance Young
The Top 8 Best Short Term Investment Options for Your Money
Investing isn’t always just a long-term financial strategy. When you want to see returns on your money in a shorter time frame, say a couple years or even a couple months, then implementing a short term investment strategy with the best short term investments is very achievable! Perhaps you’re saving up for a goal with a relatively close deadline. Maybe you’re accumulating enough funds for a down payment on a home within 5 years, paying off a significant chunk of debt that your current income is dragging on, or taking the family on a … [Read more...] about The Top 8 Best Short Term Investment Options for Your Money
Top 3 Easy Ways to Protect Yourself from a Debt Ceiling Default
If the US Government does not raise the federal debt ceiling limit by its deadline, there will be serious repercussions felt throughout the American economy and around the world. Many people are fearful of the results that could take place if the debt ceiling is not raised. But, there are several things that you can do in order to ensure that your personal finances are in order should the United States government default on its debts. How To Protect Yourself from a Debt Ceiling Default Stick To Your Budget One of the best things … [Read more...] about Top 3 Easy Ways to Protect Yourself from a Debt Ceiling Default