5 Self-Employment Retirement Options

More and more people are becoming self-employed these days. While being self-employed has many benefits such as having more flexibility or freedom to choose your own schedules, working as much or as little as you want, etc., there are downsides to being self-employed as well. Self-employed people have to pay extra taxes unlike traditional employees do. Self-employment does not come with a regular...

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Posted in: Retirement

Why You Should Care About Your Credit

There’s this sentiment buzzing around in the personal finance space that you shouldn’t really care about your credit if you truly want to improve your finances. Credit is an interesting concept. It’s the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. Basically, you receive a rating based on your ability...

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Posted in: Credit and Debt

Keep Your Financial Cool Despite The Heat

No matter how you slice it, summer is expensive. In our dreams, it’s because we spent all of our extra cash on two first-class tickets to a far-off beach resort, but in reality, our summertime expenses are never so exciting. Little things — a repair here, a purchase there — eat away at the savings we manage to put aside until there’s nothing left. Just because the tank is at empty doesn’t...

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Posted in: General

Avoid Bankruptcy: 5 Ways to Pay Down Debt

Personal bankruptcy can be a serious life-altering events an individual can experience, alongside divorce, severe illness and tragic loss, according to the financial guru Dave Ramsey. Bankruptcy is seen as a last resort, a life raft when the ship is sinking. Essentially it’s something people have to do when the debts become too unbearable to repay. When I was in high school, a close family member...

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Posted in: Credit and Debt
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