Debt can feel like a heavy burden, but finding the right debt relief partner can make all the difference. Turnbull Law Group is one such option, specializing in debt negotiation and settlement. Are they the right fit for you? This article delves into the company’s services, processes, and customer reviews to provide you with all […] The post Turnbull Law Group Reviews: What You Need To Know appeared first on CuraDebt.

When was the last time a movie made you cry? If you’re in the mood for more tear-inducing films, get ready! Here are 11 emotional films that will grab your heartstrings and leave you reaching for the tissues. Table of Contents show 1. Manchester by the Sea (2016) Image Credit: Amazon Studios/IMDb Kenneth Lonergan’s drama film Manchester by the Sea tells the story of a depressed man forced to care for his teenage nephew due […]

When people retire, they want to relax, move to a quiet neighborhood, and spend the money they’ve worked hard to save their entire lives. However, in this day and age, it isn’t quite that simple. With high inflation and an increasingly competitive real estate market, seniors need to be more careful with how they’re spending … Read more

Saving money and saving the planet are two of the most important things that everyone should be focusing on. The great news is that you can kill two birds with one stone (figuratively, of course – we’d never advocate for harming animals here) by making certain upgrades to your home. There are a few eco-friendly additions that every homeowner should be considering, and the great thing about them is that they can help to cut energy costs as well. It’s a win-win situation, and it’s time for everyone to take advantage of this opportunity. Smart Thermostats and Energy Efficient Lighting Energy bills are the bane of homeowners, and they can be staggeringly high in the UK – especially in winter. Cutting these costs can be an excellent way to improve your overall finances, so it’s something you should seek to prioritise. Pretty much everyone knows this, but how can you do it while helping the planet at the same time? [embed]https://youtube.com/watch?v=Xa-jrrBnNSw&si=ZZl_PVicJzMMVaKx[/embed] The solution to this problem is using smart thermostats, which make it much easier to control the temperature in different parts of the home. You can keep track of how much you’re using in certain rooms and realise where you are wasting energy. According to the latest research into the impact of smart thermostats, these tools can help cut energy costs by more than 10 per cent, thus saving costs and reducing your carbon footprint massively at the same time. Energy efficient lighting is another thing you need to jump on if you’re truly interested in cutting costs. This involves LED lightbulbs, which use up to 80 per cent less energy than standard ones. On top of that, they can last 25 times longer so there’s less waste.

Source: The College Investor President Trump made some major changes to student loan forgiveness programs – and most people don’t know it. Combine that with the proposals rolled out by Education Secretary Betsy DeVos, and the Trump presidency was mired with student loan controversy.  Let’s break down the changes Trump’s administration has done with student loan forgiveness, and then talk a little bit about the proposals that he’s made for his next presidency. Remember, proposals […]

As I scrolled through the internet’s front page, I stumbled upon a thought-provoking question: “When did you face a challenge that turned out to be easier than expected?” Curious, I explored the top-rated answers to uncover fascinating stories of overcoming obstacles. Table of Contents show 1. Found a TV by the Dumpster Image Credit: IgorVetushko/DepositPhotos A Redditor shared, “Found a 60“ tv by the dumpster. Plugged it in, didn’t turn on. Looked up common problems […]

Last month was a wash since I paid off a credit card, but then turned around and used it for Princess’ wisdom teeth extraction. However, this month, we are getting back on track. Debt DescriptionOctober, 2023 TotalInterest RateMinimum PaymentCurrent Total Payoff Date (Est) CC – Frontier$3,85729.99%$130$2,718December, 2024 Dad – New Furnace$2,6000%$0 $2,600 January, 2025 CC – USAA$5,00019.15%$135$2,723March, 2025 Student Loans$22,1212.875%deferrment$22,850September, 2025? CC – Apple**$500Paid off every month$0 CC – AMEX$89429.24%$0$0Mar, 2024 – Closed CC – Sams$1,10629.99%$0$0April, 2024 Personal Loan #1$2,5000%$0$0July, 2024 Personal Loan #2$2,5000%$0$0August, 2024 CC – Wander$1,63029.24%$0$0August, 2024 – Closed CC – Amazon$1,49729.99%$0$0September, 2024 Total$44,206$265$30,891

What happens when you spend three decades talking to retirement experts? You learn that most of what people think they know about retirement planning is oversimplified or wrong. Christine Benz, director of personal finance and retirement planning at Morningstar, joins us on the Afford Anything podcast to share what she’s discovered after 31 years of interviewing experts across personal finance, tax planning, and Social Security. One key insight: The standard advice about withdrawing 4 percent of your portfolio annually in retirement misses the mark. Real-life spending isn’t that simple. In your 60s, you might spend more on travel. By your 80s, healthcare costs often rise. Benz suggests creating separate “pots” of money for different purposes – like a travel fund you aim to deplete within your first decade of retirement. Want to protect against market crashes early in retirement? Benz recommends keeping 5-8 years of planned withdrawals in cash and high-quality bonds. This prevents having to sell stocks during downturns. We talk about why retirement doesn’t need to be all-or-nothing. Instead of going from 40 hours to zero, Benz describes how many people benefit from a phased approach. This might mean keeping the parts of your job you enjoy while dropping the rest, or finding new ways to use your skills. The conversation shifts to housing choices. While many assume retirees move to Florida or Arizona, the data shows most stay put. Those who do move often end up near their oldest daughter. And while single-family homes tend to make people happier until around age 75, apartment dwellers report more satisfaction after that — largely due to increased social interaction. Benz shares her own retirement planning process. Despite being a retirement expert herself, she works with an hourly financial planner who tells her she’ll likely struggle to spend as much as she could in retirement. It’s a common problem — after decades of saving habits, many retirees find it psychologically difficult to spend their money. The interview wraps up with a discussion about relationships in retirement. Research shows that while older adults often have smaller social circles, these relationships tend to be deeper and more meaningful. They’ve pruned away the “good enough” friendships to focus on their closest connections. Benz’s insights come from her new book “How to Retire” and her work at Morningstar, where she creates free model portfolios and hosts The Long View podcast. Beyond the financial aspects, she emphasizes that successful retirement planning involves thinking about purpose, relationships, and how you want to spend your days — not just your money. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 What 30 years of retirement expert interviews reveal 1:34 Why spending in retirement is harder than saving for it 3:12 Beyond money: need purpose, not just leisure 4:00 The challenge: planning for an unknown time horizon 8:52 Should market fears delay your retirement? 13:42