Besides the credit card and bank account hacks you likely hear about in the news, you also have to watch out for everyday scammers attempting to access your credit card information. Through common credit card scams, criminals are getting more sophisticated. That means you could have vulnerabilities … Continue Reading

To buy your first home is a major milestone in life. In American society, it’s often seen as a sign of “making it” — a sign that you’re an adult with a stable financial situation, on the way to filling that home with a family. That’s not to mention the fact that a home is also seen as… Continue Reading

A 2018 Gallup survey put the number of gig workers at 36% of the workforce, or almost 57 million based on a workforce of at least 157 million+ people. But perhaps the more important revelation of the survey is what Gallup referred to as The Great Divide: Independent vs. Contingent Gig Workers. We’… Continue Reading

If you're unemployed, under-employed or just looking for a better employment situation, you may do well to ignore the unemployment rate. Like the official inflation rate and so many other statistics, the unemployment rates is - shall we say - highly optimized. It's more of a misleading indicator, an… Continue Reading

Running a side business is one of the best ways to make sure that you stay out of debt and have enough cash available to put in a savings account. It is relatively easy to come up with an idea and set yourself up. You can run all kinds of business from your home or garage. And there are affordable w… Continue Reading

There are a few phrases in the vocabulary that compel virtually everyone to immediately take notice and go on high alert. Like termite infestation. Like poison ivy. And like black ice. And indeed, like IRS audit. But that's a distinct possibility when turning your hobby into a small business. If, th… Continue Reading

Charles Hugh Smith has written and spoken on many occasions that a college degree functions primarily as a signalling device. That is, it doesn’t actually prepare the graduate for a job, but rather signals that he or she is worthy of consideration for employment. A college degree serves mainly as … Continue Reading

If you are a small enterprise, getting a small business loan can be a sort of a hurdle. That's mainly because of the tight standards that are set by banks. Nonetheless, getting additional financing from outside sources is often inevitable and necessary. It's how you start a business or make it grow … Continue Reading

After the second of our two adult children moved out early last month, my wife and I committed to shifting to more healthy eating. Since it’s just the two of us now, we have much greater control over what we eat. On our last grocery shopping trip last week, we fully implemented the new strategy. W… Continue Reading

When it comes to jobs, there’s a somewhat standardized version of how they should work. It’s something like full-time hours (35 to 40 hours per week), a guaranteed salary and a full line of benefits. When it comes to job hunting, this is the typical arrangement people look for. Unfortunately –… Continue Reading