Book Review: “Choose Your Retirement: Find the Right Path to Your New Adventure”

Retirement planning is a task that often confuses, frightens, and intimidates us. When we think of what will and might occur after our employment years end, we wonder how we will manage and what kind of lifestyle we will be able to afford and maintain. We wonder what our health will be like when we retire, and how that will affect what we can do. We fear that it’s already too late and we’ve missed the opportunity to invest our savings to give us enough post-retirement funding.

Choose Your Retirement: Find the Right Path to Your New Adventure

Facing how our lifestyles are bound to change, we wonder if we have prepared ourselves for it. The questions asked and options supplied in Choose Your Retirement: Find the Right Path to Your New Adventure will help you plan what kind of retirement you want as well as figure out how to afford those plans.Continue reading“Book Review: “Choose Your Retirement: Find the Right Path to Your New Adventure””

How History Can Lead You to Financial Independence

Fifty years ago, in 1965, I was just 16 years old. Ah yes, the 1960’s! It’s remembered for quite a few things, isn’t it? Baby boomers were just first coming of age back then, but of course there were also things like the Beatles and the British musical invasion, Motown, man landing on the moon, the assassination of JFK, the Vietnam War and of course, who will ever forget Woodstock!

How History Can Lead You To Financial Independence

They say “if you can remember the 60’s then you weren’t really there”, but I am here to tell you I was there and it was a wonderful yet tumultuous time in America. I thought, for this post, we should look back at that time and use it as information that can help us plan for the future. Sort of where we were, where we are, where we’re going, put in the context of financial independence. It’s not really that complicated. We can adjust for inflation and compare it all so that we can see how things have changed. Or have they really?Continue reading“How History Can Lead You to Financial Independence”

How I Make $200/Day as an Election Poll Worker

Now that election news is constantly in your ears with all the presidential buzz, I thought I’d tell you about a really simple way to make a few hundred bucks each year. Have you ever thought about working the polls on election day?

How I Make $200/Day as an Election Poll Worker

I always used to think that you had to “know someone” if you wanted to be an election poll worker. You know, connected to a friend or something. That’s simply not true! I just got my training class letter in the mail today (each training certification lasts 2 years) and I’ll be working on November 3rd for my 8th consecutive year as a worker, helping and greeting hundreds of my fellow New Jersey voters once again. It’s one of the best ways I know to make some extra cash and actually perform a civil service that helps the community.Continue reading“How I Make $200/Day as an Election Poll Worker”

40 Easy Ways to Save Money Right Now!

Is there something wrong with obsessing over dollars? If so, I’m guilty as charged. After all, they can add up to real savings. I can’t help myself from thinking of all the ways I can avoid wasting money and I definitely want to pass my ideas on to you. I’d use the phrase “pay it forward”, but I’m just too frugal to pay anything I don’t have to!

40 Easy Ways to Save Money Right Now!
And it’s not just about the money you save. It’s about making that money work for you to earn even more, and what that money can do for you. Maybe you want to pay down debt, or have more security, or you’re saving up for a trip or some other goal. Whatever the reason, making small, simple changes to your everyday expenses can add up and make a real difference.Continue reading“40 Easy Ways to Save Money Right Now!”

How Turmoil in the US Stock Market Affects Everyday Life

Over the past several weeks, the US stock market has been bouncing up and down like it hasn’t done since the recession back in 2008. The daily swings and huge one-day drops and gains in the major markets have caused a lot of speculation and even panic as the bull market that saw the Dow Jones Industrial Average rise to a record 18000.00+ has transitioned to a bear market falling to as low as 14750.00 during that time period (minus about 20%).

How Turmoil in the US Stock Market Affects Everyday Life

The causes of this volatility are being called by some experts “a market correction”, which periodically occurs after large gains are made and profits are taken by investors. The US market has also been heavily influenced by other world markets, most recently the decline in China and Japan. Our market had been gaining now for years since 2008 and had reached all-time highs just very recently. But the beginning of “bear market conditions” can be a longer term activity than a correction indicates and if that’s what is happening, it can affect you whether or not you are an investor.Continue reading“How Turmoil in the US Stock Market Affects Everyday Life”

Every Day Is Sunday (or What Does Retirement Really Look Like?)

So many personal finance bloggers that I read each week write about the things you need to do to help you prepare for your retirement. I have done it myself. Those blog posts are very helpful in letting you know what you will need as income, how to estimate your after-retirement expenses, and talk a lot about how you can begin preparing really early in your career in order to maximize your own situation. In the case of younger retirees, the emphasis is usually on financial independence and “early retirement”. For many of us, however, retirement will come along in our later years, the 50’s, 60’s or even 70’s. At 66, I’ve been fully retired for a couple of years.

Every Day Is Sunday or What Does Retirement Really Look Like?

Rarely, however, do you hear from retirees on the realties of retirement: what do they actually do when they retire? and what did they do right and wrong to prepare for it? Since I am retired, and I’m also a blogger, I thought I’d tell you what I know and have learned as a retiree.Continue reading“Every Day Is Sunday (or What Does Retirement Really Look Like?)”

Divorce: Minimizing the Financial Impact

We all have the right to be happy, especially when it comes to marriage and family. Unfortunately, it just doesn’t always work out quite that way. Just because it hasn’t happened to you, don’t think that it can’t or that in some ways you may be different or immune. I personally have been through it, getting divorced in 1998 after 25 years of marriage, and I never imagined it would happen to me. I can tell you that from what I know and have experienced, that no matter whether the divorce was your idea or your spouse’s, there really are no winners in a divorce. In fact, the emotional stress as well as the financial stress can be a real wallop to each party, and can damage and impair both sides from the quick and successful recovery that each person truly seeks.

Divorce: Minimizing the Financial Impact

There are some ways to minimize those stresses, but first let me share with you what has changed about divorce recently.Continue reading“Divorce: Minimizing the Financial Impact”

A Dozen Cheap Date Ideas

If you’re on a tight budget, or you’re trying to pay down debt or take care of some other financial goals, it can be a challenge to enjoy an active social life, particularly if you are single and looking to find a romantic partner. When most people think of a first date, dinner at a restaurant is probably the most common image that springs to mind. I remember after my divorce when I first got back into the dating game, I would take each new lady out for a nice evening meal and the costs added up quickly while the connections didn’t always last. Ouch!

A Dozen Cheap Date Ideas

There are ways to dine out affordably, but you might not want to pull your coupons out on a first date. Dating is filled with enough etiquette-related and emotional landmines without also having to worry that your date thinks you’re cheap. So how can you show a potential new love interest a good time without spending a fortune? Here are a dozen cheap date ideas that are still enjoyable, fun or romantic.Continue reading“A Dozen Cheap Date Ideas”