Are you thinking of downsizing for retirement? If so, you’re not alone. Many retirees choose to move to smaller, more affordable, and more convenient homes after they stop working. But how do you decide which home is right for you? There are many factors to consider, such as location, budget, lifestyle, and personal preferences. To help you narrow down your options, we’ve compiled a list of the top 8 homes you should definitely consider when downsizing for retirement. 1. Co-Housing Co-housing is a form of intentional community where residents live in private homes but share common spaces and ..read more

Embarking on the journey to bolster retirement savings later in life can seem daunting, especially after 55. But it’s never too late to start, and with some creative and unique strategies, you can still pave the way to a comfortable retirement. Here are ten unconventional yet effective ways to boost your retirement savings. 1. Turn a Hobby into Income Transform your passion or hobby into a source of income. Whether it’s crafting, photography, gardening, or writing, find ways to monetize what you love doing. This can range from selling products online to offering classes or workshops in your ..read more

A couple of weeks ago, I wrote about how spending like there’s no tomorrow in order to feel a sense of control is a poor strategy. Any sense of control you feel by upgrading your bathroom, having a big wedding, or buying whatever catches your eye is only an illusion of control. Sure, you may feel, in that one moment, like you’re in control of something in an otherwise out of control world, but that feeling will fade. When it does, you’re going to spend again and again to try to replicate that feeling. This leads to increasing financial difficulties over time. The more stress you feel, the mor ..read more

Traveling abroad is an adventure filled with new experiences and cultures. However, it’s crucial to be aware of local customs and laws. Unknowingly, many travelers find themselves in legal trouble for doing things that are perfectly legal in their home country. Here’s a list of 20 seemingly innocent actions that could land you in trouble while traveling internationally. This guide will help you avoid unexpected legal issues and ensure a smooth travel experience. 1. Chewing Gum in Singapore Chewing gum in Singapore is not just frowned upon; it’s illegal. This ban, aimed at keeping public spac ..read more

Having a higher credit score generally works in your favor. Ultimately, it makes it easier to secure financing when the need arises, as well as secure lower interest rates on loans, credit cards, and more. Plus, high credit scores can mean not having to pay deposits when turning on utilities and can provide other advantages. If you want to boost your credit score, here are five steps to get it increased by 200 points quickly. Can You Increase Your Credit Score by 200 Points in 30 Days? Many people wonder about how to raise their credit score 200 points in 30 days. However, there’s no guarante ..read more

  Years ago, I urged you to buy Honest Tea because it was healthy, ethically sourced, tasted great, and I owned a teeny tiny piece. You did; Coke bought it; and I made a teeny tiny killing.  (It took 12 years, but hey.) That’s not the selfless part. At the end of 2022, Coke discontinued it, surprising a lot of people.  Honest Tea’s founders seized the opportunity to launch the strikingly similar Just Ice Tea instead (justice tea, like honesty — get it?) . . . which I am again urging you to buy. That’s not the selfless part, eith ..read more

Generation X, often overshadowed by the Baby Boomers and Millennials, holds a unique and powerful place in today’s society. This article dives into the 14 pivotal reasons why Gen X remains a significant and influential generation, especially in an era dominated by rapid technological advancements and cultural shifts. 1. Pioneers of Technology Gen Xers were the first generation to grow up with computers in their homes. This early exposure to technology paved the way for the digital revolution we see today. They have been instrumental in shaping the internet, social media, and digital communic ..read more

In an era where financial literacy is becoming as crucial as traditional literacy, understanding the nuances of everyday financial tools is paramount. Debit cards, omnipresent in wallets around the globe, are more than just plastic conduits to our funds. They’re gatekeepers of financial freedom and responsibility. As you contemplate adding this tool to your arsenal, it’s essential to grasp the depth of its utility, limitations, and the responsibility it entails. Let’s delve into seven key insights to equip you for a well-informed decision. 1. Direct Link to Your Bank Account  Unlike cre ..read more

When people talk about budgeting, the focus is usually on ensuring enough income is available for any required debt payments or expenses and that funds are directed toward savings. While that advice is undeniably sound, allocating for joy is essential in your budget. Fun money gives you a chance to spend a small sum on niceties or items or services you simply enjoy, and it can make a significant difference when it comes to your well-being. Here’s a look at six reasons why allocating for joy is a must in your budget. 1. Fun Money Prevents Misery One of the biggest benefits of having some fun ..read more

From the eerie to the bizarre, the world of toy collecting is filled with treasures that can fetch a pretty penny. Let’s explore some of the creepiest toys throughout history that have turned into valuable collectibles. 1. Victorian Mourning Dolls These dolls, often dressed in black, served as a tangible reminder of the deceased, making them a poignant symbol of the era’s attitudes towards death and mourning. Collectors today value them not only for their rarity but also for their historical significance and the intricate craftsmanship they exhibit. Victorian Mourning Dolls are a window into ..read more