The average person spends 9 years of their life watching TV.
That’s just from watching TV a few hours everyday.
But that’s not you, right? I mean, you don’t spend hours and hours in front of the TV.
That’s unproductive and a waste of your time…and you know it.
But what about Facebook? We spend 700 billion minutes on Facebook every month, across the world.
And then considering that we spend 174 billion minutes on YouTube each month, it’s hard to imagine that there is any time left. I think we all remember the first time we logged onto YouTube. Those suggested videos in the sidebar will get you…and keep you…for days.
As you will see in a moment, I used to waste hours everyday without even realizing it.
Here is how I figured out where my time was going and how I took control of it…
There’s no debating the fact that being self-employed offers quite a few benefits you just don’t get with a conventional job.
You don’t have that pesky boss looking over your shoulder all the time, you get to make your own decisions about the direction of the business, and if you work from home you don’t even have a commute.
Of course, there are always negatives to balance things out, and with self-employment getting a mortgage is often one of them.
However, just because you’re self-employed doesn’t mean you’ll never be able to get a mortgage.
It just means the rules are a little different…
The Real Estate sector may have suffered greatly due to recession.
But that’s all in the past.
Now that the economy is stable, many are now looking forward to investing in a new home.
This is why now is the time to consider working for the real estate and construction industry.
Not an engineer or architect? No worries!
You can still make money in this market by setting up your home inspection business. Want to know how to do this? Read the steps below…
If you want to be debt free, you need a strategy. A method.
The average US household has $54,000 in credit card debt.
You need a plan. You really do.
The good news is that you have more than one option.
There are several ways to get out of debt, but the two most used ways are called the debt snowball and the debt avalanche.
Let’s look at the differences and see what works best for you…
“Hey honey, I want a motorcycle.”
“But I want a kitchen remodel.”
“Umm, but I want a motorcycle.”
“SWEETIE. WE CAN’T DO BOTH”
He wants the motorcycle. She wants the kitchen remodel. How to decide?
When you and your spouse talk about money, there’s potential for
arguments disagreements, value clashes, and colorful conversation (to put it lightly).
This step-by-step guide will help you two figure out how to make a budget work for your life together.
A little diversity here, a little security there.
There are several components to a well rounded retirement portfolio.
You shouldn’t put all your eggs in one basket, but you don’t need a whole bunch of baskets.
It’s all about balance.
There are all kinds of ways to create a great portfolio, but you have to start with a solid foundation.
An IRA is a great foundation for retirement, whether it’s in addition to your company retirement account or on it’s own. Let’s look at 3 parts to a great IRA…
There is a difference between being broke and being poor.
Broke is a temporary states of finances.
Poor is a mindset.
Before you go on, promise me you will never refer to yourself as poor again. Even if you feel like you are.
You may be broke, but you’re not poor.
Here is why you may be broke and how to stop it…
What makes a company a large cap or a small cap?
What the heck is a “blue chip” stock?
It’s important to know the difference if you’re interested in the Stock Market.
There are ways to organize all sizes of companies into different titles, though it’s not an exact science.
These titles are given for a reason. So that you can easily determine the size of different companies.
So let’s get into what the different sizes are and what it all means…
A credit score is like your in-laws.
Some are really great. Some are not so great. And some people like to pretend they don’t exist.
Well, they do exist (your credit score that is…and probably your in-laws too) and whether you have a great credit score or a poor one, there is always room for improvement.
You can always do better.
Here are some tips for improving your credit score, no matter how good or bad it is…
“Markets are constantly in a state of uncertainty and flux and money is made by discounting the obvious and betting on the unexpected.” -George Soros
“I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years.” -Warren Buffett
Most of you know that I am a huge Buffett fan, and I consider myself an investor like him. (Well, maybe not like him, but an investor nevertheless.)
George Soros is more of a trader.
One is not right and the other wrong. Buffett and Soros both have billions of dollars to prove that.
But it is important to know which one you are…
When you hear about investing for retirement, you usually hear about mutual funds.
More specifically index funds. Especially if you have been reading my articles.
It’s not just me.
Index funds are widely held as one of the best investments for retirement.
Especially if you want the easy way out.
Even Warren Buffett recommends index funds for the average investor.
That’s all good and well, but there are 1000s of index funds, which ones should you invest in?
Good question and here is the answer…
“The goal of retirement is to live off your assets-not on them”
Rule No.1 of living off your assets: You must have assets.
You may plan to retire. You may not.
Either way, it’s a good idea to have a plan for wealth building. You may need it.
So, when do you start planning for it? And how do you do it?
How are your New Year’s resolutions going?
Are you sticking to your goals?
Have you already given up this year?
Did you change your mind? Did you decide it wasn’t for you?
This is probably what happened…
This is a great infographic that explains the things that are stealing your time and your productivity.
Here are some of the things that could be killing your productivity:
- Your email
- Your desk
- Other people
- Impossible to-do lists
What can you do to fix it? Read on…
When you think about being responsible with your money, a budget may be one of your first thoughts. In my Beginner Series, I tell you, point-blank, that you need a budget.
Can you really live without a budget? The title of this article makes it seem like I was misguiding you when I said that you need a budget, doesn’t it?