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After many, many years of working hard and saving, you can finally see retirement starting to appear on the horizon. However, the years leading up to retirement age and planning retirement are not ones to sit back and relax in and hope it all works out. No – you need to be doing everything that you can to make sure that you have what you need to enjoy a comfortable retired lifestyle. Taking a close look at your income and any assets that you have well in advance of your target retirement date gives you enough time to make any necessary changes. Obviously, you need to consider the sort of lifestyle that you want after you stop working. Perhaps you … Read more

An emergency fund is money set aside to cover large unexpected expenses. When an emergency arises, whether it be unemployment or a car accident, you usually have bills to pay. Unless you borrow the money you need, putting yourself in debt, the only other option you have is savings. Unfortunately, saving several months’ worth of expenses is difficult, especially when living on a tight budget. With that in mind, here are six easy ways to build an emergency fund.  1. Break Down Your Goals Saving an emergency fund can be a daunting task when you focus on the total. However, that total figure is made up of many smaller parts. While $100 seems like a large sum to put aside … Read more

Prepaid debit cards are very popular with travelers and people who are budgeting and saving money, or those who don’t want/can’t have a bank account. But, not many people know how they work. So let’s take a look.  What Is A Prepaid Debit Card? A prepaid debit card is a way of banking that lets you spend only what you have preloaded onto the card. While a debit card typically has the backup of your full bank accounts and maybe even an overdraft, and a credit card uses the money you don’t technically have – a prepaid debit card is money smart.  It is often referred to as a pay-as-you-go card.  You can often use these cards at any retailer … Read more

Whether you have a handful of remote employees or your entire staff is located around the world, it takes some talent to manage them. A remote workplace might help. You may be saving lots of money by letting your staff work remotely, but it is not easy to keep the team working as a unit. Tips for Managing a Remote Workplace Logistics get very complicated even when your employees share the same time zone as your main office. It’s definitely worth embracing as the trend shows that the future looks bright for leading a team that has no office. Here are some ways to manage the whole thing. Create a structure Working from home or at a coworking space is … Read more

Preventative maintenance is an important aspect of being a safe driver. When you continue to drive a car that needs maintenance work done, you remain at a higher risk of causing an accident, which could hurt you, your passengers, or others on the road. If you want to end up trading your car in or selling it, you’ll want to keep up with maintenance to get more out of your car. Here are the top six car maintenance tips you’ll need to keep your car performing optimally: 1. Get Your Oil Changed Regularly Follow your manufacturer’s recommendation for the type of oil you should use in your car. Then, get your oil changed regularly according to the mileage you put … Read more