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Image Source: 123rf.com We all are proud of our gardens and want to decorate them to enhance their beauty. But some decorations can also create unintended issues. Some items actually attract pests, nosy neighbors, or even thieves. Often, these risks are unintentionally overlooked. Here are 10 garden decorations that bring the wrong kind of attention. 1. Bright Solar Lights That Run All Night If you have solar lights, they most likely are on all night. […]
Longbridge positions itself as a “new-generation internet brokerage” which focuses on a mobile-first, zero-commission trading experience. The company was founded in 2019 and is now headquartered in Singapore, combining financial expertise with tech talent from companies like Alibaba and ByteDance. Here is the sign up link to get exclusive rewards Users who sign up with link can get extra 18 SGD cash coupons after depositing 2K. Together with current new user rewards, they can get: Grab Rewards […]
A concerned reader wrote to me today asking me if everything’s okay. Apparently, I hadn’t posted for nearly 2 weeks, and I’ve never missed a post, even days after giving birth. Don’t worry, we haven’t been kidnapped or taken hostage. We’ve just been travelling and running on fumes because jetlag is brutal when you’re a parent. Last year when we came to Europe with our infant, it was via a transatlantic cruise, so we managed […]
Imagine trying to build wealth in the United States in 1950. If you were a man, you got a job, bought a house, and went from there. This was an era where you could walk into a company’s offices, ask the CEO for a position, and actually get it. This is how Warren Buffett met Lorimer Davidson, a GEICO executive (and the future CEO), who taught him about the insurance business over a few hours on a Saturday in 1951. At the time, access was easier and competition in the labor market was limited. By the mid-1960s, however, things began to shift. The Civil Rights Act of 1964 made it illegal to discriminate in hiring based on race, sex, religion, and national origin. While this didn’t immediately level the playing field, it marked the beginning of a broader labor market. Then, the sexual revolution of the late 1960s brought more women into the workforce. According to the Bureau of Labor Statistics, the female labor force participation rate increased from 34% to 57.5% between 1950 and 1990: Within a couple of decades, the competition for jobs expanded dramatically, which put downward pressure on wages. And this isn’t just theory either. One study used WWII as a natural experiment and found that a 10% increase in female labor supply reduced women’s wages by 6-7% and men’s by 3-5%. More recent work shows that as an occupation becomes more female-dominated, average wages in those fields decline for both men and women. But things didn’t stop there. As globalization accelerated in the 1980s and 1990s, American workers started to compete with workers abroad. Manufacturing jobs went overseas and white-collar industries like software engineering began to face wage pressure from programs like the H-1B visa. This program expanded the supply of lower-cost foreign labor in high-skill industries. And today, the challenge is even greater. Remote work made location less relevant and humans now have to compete against machines, not just other humans. The rise of AI and large language models (LLMs) means that some jobs can now be fully or partially automated at little to no cost. Think about this transition. We’ve gone from competing with a small group of local peers to competing with the entire world and their computers. This is not to say that we should “go back” to an earlier era. But it helps explain a lot of the trends we are seeing today. Why does Gen Z feel like they are struggling to build wealth? Why are housing prices so elevated, especially in major cities? Why does it feel harder to find a job than ever before? The answer is the same: the bar only gets higher. This is true in the labor market, the housing market, the dating market, and beyond. In almost every avenue of our lives, the competition has increased dramatically over the
I took a walk this week – it was perfect California summer day of clear skies and sunshine illuminating the Pacific. It was made even better by the company of a tier one friend. The friend and I both have kids applying to college, and the process is a grind. Part of what we discussed was that in high school, kids are asked to make decisions (what will you major in?) with implications that they […]
After announcing my exciting FIRE intentions, it’s back down to Earth with the usual monthly update! Another great summer month where there was mostly decent weather to enjoy and sport on the TV. The Women’s Rugby World Cup got underway … Continue reading → The post August 2025 Savings, plus other updates appeared first on Quietly Saving.
We all put off things until we feel the time is right or we wait for the perfect opportunity. The truth is there’s never going to be a perfect time. This week put your dream into motion. Continue Reading The post Monday Money Motivation-Don’t Wait Too Long appeared first on My Worthy Penny.
My husband and I sometimes joke that I missed my calling – with as much as I love crunching numbers, I would’ve been a great accountant or financial planner! I run a pretty tight ship with regards to our finances. And I’ve gotten pretty good over the years at anticipating and planning for those once-in-awhile type of expenses. I have a “semi-annual fee” budget line where I save a flat rate per month to help cover those one-off expenses that come up. This includes things like our annual Costco membership, our quarterly HOA payments, our biannual car insurance payments, and here lately, I’ve added another thing to the list: savings dedicated to Black Friday purchases. Now, this isn’t those gift-giving type of purchases (those come from a separate part of my budget specifically set aside for gifts). This is for household purchases that are cheaper if purchased during big Black Friday promotions and sales. The thing that’s brought this up is our Water Filter replacements and our Reverse Osmosis filter and membrane replacements. At first glance, this may seem a silly item to budget for and plan to buy at Black Friday time. But I’ve been watching the sales for long enough now to know that the biggest sale, by far, is at that time of year. You can find a 5% or 10% off coupon once in awhile. But last year for Black Friday, Dupure had a 40% off site-wide sale. And if you are familiar with reverse osmosis systems, those filters and membranes can get PRICEY! I’m talking $121 for the outer filters (required annually), and $169 for the membrane/inner filter (required once every 3 years). This is the year we have to replace all the filters, with a price tag of right at $300! You better believe I’ll be waiting for the 40% off sale instead of buying right now. I’ve also been looking at products I use for skincare. Sometimes you can find little discounts, but last year at Black Friday time was the only time I’ve seen a 25% off coupon for a specific brand I really like. The same is true for the yoga studio where I practice. The only discounts they offer are for new client sign-ups. But once a year they offer a sale on pre-purchased packages and – yep – it happens to fall right around Black Friday time. Now that I’ve noticed and paid attention to these sales and know how much these items cost, I’m going to add them to my “semi-annual” budget so I can save and account for them. It’d be a lot of money to drop all at once at the end of November if it wasn’t planned out in advance! And with Christmas time coming up, I likely wouldn’t be spending extra money on things like skincare and yoga memberships. But again – if I plan and save up in advance, then it’s no big deal when I make those purchases because I know I
Do you know what the most valuable asset you own is? When asked this question, most people will answer with their house, savings account, or their investment portfolio. In reality, the greatest asset you own is yourself. That’s right, you are your greatest asset, and because of this, you need to invest in yourself. When you take the time to invest in yourself, your entire life changes. You have more opportunities in life, experience more […]
Lille is a French city without French roots. On the border with Belgium, it’s about as far north as one can go and still be in France. This gives Lille a different feel from other cities in France, especially when it comes to architecture. We found loads of interesting buildings, including government offices, cultural centers, […] The post Lille Is France Through A Different Lens appeared first on Bonus Nachos.
Last week we saw a perfect real-world case of the classic hypothetical example of what an “efficient” stock market should look like. (For related reading, see: Why Stock Prices Are Still Volatile in an Efficient Market.) The classic example is a company that’s currently involved in a court case with an uncertain outcome. If the company loses the court case, their business model will be substantially harmed. If the company wins the case, they’ll be […]
Meglio Moneyfarm o affidarsi ad un Consulente Finanziario? Quale è la soluzione ideale per la tua situazione? Queste due soluzioni sono più diverse di quanto si possa credere. Con Moneyfarm si delega tutto: la strategia, l’esecuzione, la dichiarazione fiscale degli investimenti. Insomma si ha un pacchetto completo di servizi. Col consulente invece ci sono diversi livelli di delega: puoi delegare tutto o solo una parte. Dipende dal tipo di consulente a cui ti rivolgi! E’ […]
Based on the recent readers’ survey, 53.8% of you enjoy reading the Random Thoughts posts and 43.8% of you enjoy reading them when they’re investing-related. Only 2.3% of you believe these posts are too random … Read more