Ah the layoffs are in the news again. P&G to lay off 7000 white collar workers, Microsoft laying off lots too. Hmm. Some blame AI,
Tag: personal finance
Why the Government Should Invest More In Kids and Less in Old People
So for most developed countries if you look at their budgets they spend the majority of their budget money on old people’s healthcare, pensions and
Expense tracking
You should track all your spending each month to determine where your money is going. This is the best way to save money. Look at
Excellent ETFs and boring bonds
Excellent ETFs: ETF are exchange traded funds sold on the market. They may be portfolios of stocks in a certain sector such as energy, technology,
More Investment fund types
Real Estate Funds: These funds invest in REITS and public real estate stocks. REIT= real estate investment trust. Usually they can be broad market, sectors
Marvelous Mutual Funds
Mutual funds are great for beginners. Why do I think this? They allow one to get in on the action of stocks, bonds and real
Learning More about Investing
Now that you know a little about saving and investing it’s time to dig in a bit deeper. Here are some resources for newbies to
Boozing on the cheap
Speaking of wines, I don’t think it’s wise to spend more than $10-$15 per bottle for most people. The reason I say that is they
Time Shares,Vacation homes, RVs
Time shares: No, don’t take the tour and sign up! While this might seem like a good idea they are hard to sell once you
Be your own handyman, lawn boy and maid
Do your own work around the house You should not be paying someone to mow your lawn, shovel your driveway, clean your house etc. No.
Monthly Payment Trouble
Beware of high financing costs baked into the payments. Always know the cost of the item and the cost of the financing. Most of the
Only little people pay taxes
“Only little people pay taxes!” That is a famous quote from Leona Helmsley. A rich hotel owner from NYC in the 1980s. She was known
Introduction to investments
There is a subtle difference between investments and savings that many people don’t understand fully. The purpose of saving is to not spend and accumulate
Side Jobs for Extra Cash
Let’s say you are working hard to pay off your debts and you want to earn some extra cash on evenings or weekends. You can
Rocking Roths
Roth IRAs are a supplements to 401Ks A Roth IRA is a retirement account that is funded with post tax dollars instead of pre-tax dollars.
Car Loan Trap
I don’t like car loans. The reason for this is you are making payments on a depreciating asset with interest. People often also end up
Saving on groceries
The simplest way to save money is to not buy anything but you need to eat so let’s see how we can spend a little
Frugal Living Mantras
The philosophy of how to live frugally and be happy. Frugal living is our rake to bring in more money so we can invest it
Cut the Cable TV umbilical cord?
Cutting the cord is quite popular now. Whether it is the right choice for you depends on a few things. Cable tv is most certainly
Mr. Cash Hoarder 