In 2014, now more than ever more and more middle aged people are becoming disillusioned with their work, and are simply waiting for their retirement. With the recent rise in the age of retirement in the UK, people are now expected to work for longer than they ever have done. So if you’re in your …
You Only Need to Read This If You Have an Amex Card and Shop at Costco
I love credit card rewards. It's funny to think that most of my excitement stems from the much-too-fast accumulation of 6%, 4% and 2% of my total spend. Even though my cash back rewards are "double the fun" of the popular 3-2-1 offers and more lucrative than the rotating 5% categories; the …
The Actual Math Behind Paying Down Your Mortgage vs Investing
One of the most popular debates among Personal Finance enthusiasts is that of “paying down debt” versus “investing.” For example, people ask: “Should I pay down my mortgage or add to my 401(k)?” -or- “Should I pay off my student loans or open a Roth IRA?” Although the debt and the …
A Lean and Mean Guide to Online Merchandising
Merchandising in storefront retail is a way of displaying merchandise in on the sales floor in such a way as to entice the customer's attention, and stimulate interest in purchasing the product. Showcasing your merchandise to best advantage can boost sagging sales, and get you back on track for …
Investing Basics: Time Horizon, Risk Tolerance and Asset Allocation
When you begin investing, there are a lot of fancy phrases that will be thrown in your face. But, don’t get overwhelmed. Every industry, in an attempt to exclude outsiders, creates their own, over-cluttered codification full of unnecessary jargon and ridiculous acronyms. From cost basis and back-end …
Don’t Be a Victim of Mental Accounting
I primarily work from home. Due to a "lack of commute," I don't get to listen to morning radio like I used to (not the biggest loss). This morning, however, allowed me the pleasure of beginning my day with a little disc jockey. The local country radio station plays a game where they have a prize …
How Workplace Schemes Can Save You Money
With unemployment in the UK now at a staggering five year low, there is genuine optimism that the nation’s longstanding labour market crisis may soon be at an end. The number of people out of work in the UK fell by 133,000 in March, with just 2.2 million citizens now actively seeking employment. …
