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Getting Group Benefits When You’re Self-Employed or Unemployed
One of the disadvantages inherent in being self-employed is the absence of employer paid benefits. Unfortunately, there’s no perfect world when it comes to getting group benefits when you are self-employed – you mostly have to put together the best combination of benefits possible. But there is Continue Reading
Why It’s SO Important to Enjoy Life Now
Every so often I like to put money and career issues aside, and focus on The Bigger Picture. What’s The Bigger Picture? It’s life - as in life beyond money, careers, and success. If we’re honest, we should admit that just about anything related to money is a numbers game at its root. We also n Continue Reading
Are there Alternatives to College Careers?
In the 1990s and early 2000s no one was seriously questioning the sustainability of large price increases in housing, or the integrity of the mortgages they secured. The same was true of the stock market in the 1980s, in the 1990s, the early 2000s, or even today. As we’ve seen in each case, that l Continue Reading
Adding Product Lines to the Multiple Income Streams Mix
If you’ve spent any time on this site at all, you know that I’ve advocated in favor of multiple income streams as a strategy for dealing with everything from increasing your income to setting up a retirement Plan B. The world that we live in today is just not as simple as it once was, and the o Continue Reading
Why Be Self-Employed?
Not many people have to spend much time analyzing the reasons why they need a job. Having an income, a benefits package, a place to use and improve their skills, and some measure of income predictability all figure into the decision. But it's more complicated when the question is why be self-employe Continue Reading
Do You Ever REALLY Own Your Home?
Do you ever REALLY own your home?  What I want to discuss is the modern version of homeownership as compared to traditional factors that caused people to buy homes in the past. On that front, much has changed in the past 30-40 years, so much so that the entire purpose for owning a home might be unr Continue Reading
Why Most New Businesses Fail – And How Not to Become One of Them
Are you thinking about starting your own business? If so, you have a lot of company. According to the Department of Labor, more than one million new businesses are formed each year. But most new businesses fail. Depending on the source quoted, somewhere between 50% and 90% will fail, usually in the Continue Reading
It’s Not Always Your Kid – Sometimes the School IS the Problem
This will be a very long post - the longest I‘ve ever written - but if you have kids in high school, or will soon, this is something you need to be aware of. Now that my daughter is finished with high school - and we have the postscript on “her story” - I feel compelled to report this episode Continue Reading
Debt is Different for the Self-Employed
Is debt different for people in different employment situations? I think so, certainly as it relates to the self-employed versus the salaried population. Does this sound preposterous? Maybe on the surface, but look a little deeper. I think it's safe to say that debt is different for the self-employe Continue Reading
Breaking Free of the Constraints of Being Middle Class
Back in the 1990s, our metropolitan newspaper was doing one of those local-boy-does-well pieces, focusing on a 30-something-year-old guy who started his own IT company from scratch, and had recently sold it for something like $10 million. The article was a loose interview with the young man, most Continue Reading