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Generating online income has never been easier, as people everywhere are using the internet to earn a great living, or to pick up a much-needed side salary to make a better life for themselves and their families.
The internet offers a great way to create a productive, thriving business for anyone who wants to earn some extra cash.
There are many reasons to start earning an online income — from aggressively paying off bills and getting ahead of the debt to building a nest egg or improving your quality of life.
Oftentimes, building a successful business online means having a website or writing an ebook. [ continue reading… ]
While we’re all sick of the retail creep of Christmas — remember when we didn’t see yuletide items in stores until after Thanksgiving? — it does serve one useful purpose: it can help us remember to start budgeting for Christmas earlier. According to the National Retail Federation, the average American is expected to spend just about $750 for Christmas this year — an amount that can be hard to find in the budget if you haven’t planned for it.
However, there’s a better bet for getting through a big Christmas debt free: take a seasonal job to pay for your holiday. Here are some great short-term gigs that you can work in November and December, so you can start the New Year with sweet holiday memories and no debt: [ continue reading… ]
One of the biggest changes our family has made over the years is cutting back on Christmas spending. When we first had kids, we felt it was necessary to fill the floor beneath the tree with gifts. It wasn’t unusual to spend between $200-500 on each kid for Christmas. A week after Christmas, most of those gifts, except for a select few, were largely forgotten about. We were satisfied because the tree was overflowing, even if the usefulness of the gifts was less than ideal.
In recent years, our attitude about money, and about Christmas, has changed. We’ve become much more frugal and strive to fully appreciate the material things we own. All the “stuff” under the tree is no longer as important. We set a budget and stay within it, despite the temptations to buy more the closer we get to Christmas. Instead of filling the space under the tree with gifts, we strive to fill the holiday season with memories. If you want or have to cut back this Christmas, here are a few tips to help you get started. [ continue reading… ]
When I was younger, watching Disney’s version of Alice in Wonderland, I was struck by the scene in which Alice asks the Cheshire Cat which road she should take. When he finds out that she doesn’t know where she’s going, he basically tells her that it doesn’t matter which road she picks.
The same applies to your retirement. Do you have a plan? Do you know what you want your retirement to look like?
Believe it or not, it’s already time to make your New Year’s resolutions.
Reflecting on the previous year will allow you to make next year better — with everything from your diet to your finances.
Starting out the year with the best of intentions makes it easy to turn the page. Yet, for most people, that hope fades around March. By starting now, you can have your new goals set firmly in place so that when January rolls around, you’re already well ahead of your friends. [ continue reading… ]
Right now, with mortgage rates at historic lows, it’s unlikely that you’ll hear of anyone choosing to float their mortgage rate. After all, most people will want to lock in the low rate now to protect themselves against the market recovery that will certainly mean higher interest rates.
However, this begs the question: when is floating a mortgage rate a good idea? Is there ever a time when it makes better financial sense to float rather than lock your rate?
The Difference Between Locking and Floating
Each of these choices presents a risk to the borrower. Locking in a rate means that you’re insulated against interest spikes, meaning the lender takes on the risk of rising rates. However, if the rates go down further, the buyer loses out and ends up paying more interest over the life of the loan.
Floating reverses those risks. If the rates rise, the borrower will have to pay more and the lender will see more revenue from them. But when rates fall, the borrower gets the benefit and will pay less in interest. [ continue reading… ]
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