Personal Finance

One of the proposed solutions to the unprecedented economic crisis that has gripped most of the globe in the last 2 years is a universal guaranteed basic income program - a “minimum living stipend” in which a person need not necessarily be unemployed to receive the benefit. There are those that say that such a program would be an unfair, complicated, and costly way to eliminate poverty but we challenge those assertions. 

If you’re like most people, you’re always looking for ways to improve your financial literacy and, whether you’re trying to get a better understanding of personal finance or seeking strategies for growing your business, there’s no shortage of great financial books to choose from.

Get a large wad of cash! Never make a mortgage payment again! Stay in your home as long as you want! Sounds like a great deal, right? Well, for some older homeowners, a reverse mortgage can be.  For others, it's more perilous than promising. If you’re considering a reverse mortgage, there’s a lot you need to know before signing on the dotted line.  Here’s 10 things you need to know about reverse mortgages. 

...According to the Employee Benefit Research Institute’s 2020 Retirement Confidence Survey, 61% of respondents said that preparing for retirement made them feel stressed. [If that is you then planning for retirement will be much easier if you avoid the following 6 "retirement killers".]

Wealth creation is a right if you choose to exercise it but you must understand the economics and politics of wealth and this book helps you do just that. It deals with how to improve your wealth, your financial independence and your quality of life.Words: 910

If you want to protect your finances from economic instability or just need to shore up your investment portfolio with a time-honored hedge against inflation, buying precious metals could be for you. But you can’t just stuff your gold and silver bullion under your mattress. No, you need to store your precious metals safely, here are some options.

Wealth provides independence and security. For our purposes, wealth is a relative thing; something you define, in reasonable terms, for your situation. I approach wealth in terms you can understand and achieve. Words: 572

If you were fortunate enough to keep your job during the pandemic, you probably noticed a financial benefit: you spent less. Amid restrictions, credit card spending on fun activities—like going out for dinner—became less frequent. Looking ahead, the majority of Americans plan to continue at least one budget change post-pandemic, including eating out less (49%), buying fewer clothes and shoes (41%), and traveling less (37%). Of course, the first step in budgeting is tracking where your money is going. In the graphic below from Personal Capital, we break down Americans’ monthly credit card spending by category.

WEALTH IF YOU WANT IT is an e-book that deals with how to improve your wealth, your financial independence and your quality of life.

Few people formally plan much in their lives. Usually, that shows they don’t know where they are going. Living life without a plan is analogous to sitting in a drifting boat. You know the direction of the drift, but not the ultimate destination. Words: 1802