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The Equity Pitfall

So, I get a lot of junk mail advertising passed through my door slot, dropping on my sunny front hall rug, some offering home equity loans. A home equity loan, the mailing says, can solve all my financial woes. It can pay off my credit cards, finance a home remodel, fund education, and buy that…

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Suffering Inflation: What Should We Do?

I don’t like higher gas prices. Like most people, I blame it on oil companies or the time of year, particularly when holidays are around the corner. Nobody, it seems, likes suffering inflation. Higher prices for consumer goods are spooky and alienating. So what’s really going on when we’re suffering from inflation? Poor Monetary Policy…

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Creating Work Synergy Remotely

Creating Work Synergy Remotely While remote workers arrive at work in housecoats and a favorite home-brewed coffee, critical thinkers say the home office environment lacks the synergy that employees in the typical workplace enjoy. Does that make working from home less of a career move?  How can you increase your synergy with the office when…

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Understanding Expiration Dates

If you buy from a salvage grocery store, understanding expiration dates emerges as a real issue. In this blog, I discuss the pros and cons of buying salvage groceries, and explain the purpose of expiration dates. I am convinced the salvage-grocery-store is a valuable resource if you want to cut spending, but for many shoppers,…

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Budgeting in Envelopes

While budgeting in envelopes has been around forever, in the past everyone had their health and a financial future. That’s why this blog is different. It’s addressing a leaner, meaner, disenfranchised audience with a budgeting tactic that works. Here are the steps to using this effective budgeting tool: Look over your budget, then take a…

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Gig Jobs: Where’s It Hot After Covid?

C’mon, the Gig economy existed before Covid, sure, but Gig work became a reality after a pandemic made the Digital Economy the place to find work. To get the whole community to embrace Uber, Upwork, Handy, Lyft, Fiverr, Doordash, Ange, Uber, Guru, or Grubhub, it took something as devastating as Covid to turn away from…

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Debt Payoff Planner: Product Review

The Debt Payoff Planner App Consider this helpful tool you can use to solve debt problems: the Debt Payoff Planner. Most people have debt, and an app like the Debt Payoff Planner offers an interesting array of tools to tackle problems, whether trivial or difficult. The Debt Payoff Planner figures out how long it will…