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This post may contain affiliate links. If you make a purchase through one of them, I may earn a small commission at no additional cost to you. Please see my full disclosure policy for details. Paying off debt is a challenge we know firsthand. During college, I took out student loans to cover my education. Later, when Barb went back to school to earn her Master’s, she did the same. On top of that, we’ve […]

This post may contain affiliate links. If you make a purchase through one of them, I may earn a small commission at no additional cost to you. Please see my full disclosure policy for details. As a husband and father to four kids, including three in college and one in high school, I know how overwhelming life can get. With so many plates spinning at once, staying on top of our finances is a challenge. […]

Minimal BuJo Ideas For Beginners When you start a minimalist bullet journal (BuJo), the benefits go far beyond simple organization. A simple BuJo can help you clear your mind, stay focused, feel more in control of your life, and bring out your creativity. When I started my minimalist bullet journal, I had no idea where … Read more The post How To Start a Minimalist Bullet Journal (Including 7 Page Ideas) appeared first on Dividends […]

When markets crash, panic often takes center stage. Red charts, falling portfolios, and financial news headlines warning of “the next big collapse” can easily trigger fear. But for dividend investors, the key to long-term success isn’t reacting to every market dip, it’s mastering the psychology of staying calm. Dividend investing, by nature, rewards patience and consistency. Understanding how your mind responds during downturns can help you make smarter, more confident decisions even when the world […]

Do you have a jar full of coins in your house? Not sure what to do with the spare change you get after buying something? Instead of doing nothing with these coins, you can turn coins into cash, or even deposit them into your bank account. There are many benefits for doing this, but your first question is probably where to cash in coins? In this article, I share with you 11 of the best […]

Quali sono i migliori broker con commissioni basse? Quale è il più conveniente? Quale ha il miglior rapporto qualità prezzo? Ricorda: Investire comporta rischi di perdite. Informati a dovere, valuta bene la tua propensione al rischio e non investire in strumenti che non comprendi.Nota: Investimi potrebbe guadagnare una commissione sulle vendite realizzate dai partner grazie ai link contenuti in questa pagina. In accordo con le nostre linee editoriali, le opinioni e le valutazioni non sono […]

I am back on the road to Texas. I was delayed in leaving by two days because I was EXHAUSTED! The set up, the wedding and dancing, and the clean up really took it out of me. I even gave in and went to get a foot massage yesterday because my legs were hurting so badly I hadn’t been able to sleep well. It was a $45 expense I hadn’t planned for, but so worth it because I can walk again today without pain. Princess gave me a melatonin last night to help me sleep as well. So between the massage and a good night’s sleep, I was ready to hit the road today. Taking Stuff Back to Texas My car is quite packed because I picked up a number of things from storage since I’m not sure when I will be back this way. I got a big tub full of clothes. I’ve been living out of a suitcase since May and with the changing seasons, it will be nice to have some more clothes. I got all my books – 2 small boxes and 2 small bags. I’m not a book hoarder; I tend to read them and get rid of them with few exceptions so this will give me something to do in my “free” time. I also picked up my crafting stuff. There’s not much left of it, but I want to make some Christmas gifts, and figured I could use it up rather than buy more. Thankfully, I had the foresight to label everything well, so grabbing these items was easy to do. And was alot of fun to do with the kids. I was afraid I wouldn’t be able to sleep in my car on the route back, but I think I’ve got enough space although it will be tighter than usual. Christmas Stuff Dispersed While we were in the storage unit, the kids all grabbed some stuff they wanted. From clothes to Christmas decor, I was ready to purge some more. The two girls divided my Christmas stuff – the tree and recently purchased decor went to Beauty and Princess took more of the sentimental items that came from the family. The twins and Princess also raided my clothes taking sweatshirts, winter items, etc. We did a lot of reminiscing as things brought back memories. It was a good time. And it was good to be reminded of the things I had kept. Purpose Found I know my purpose for the first time in years. Many who’ve been around know that I have really struggled mentally since my kiddos started leaving the nest. Figuring out who I am outside of “mom” has been a really tough challenge for me. But I feel like I know where I’ve supposed to be for now. In Texas, with my parents. They need the help. And perhaps this was God’s plan all along, I just didn’t recognize it. But I know that caring for my parents is where

Fall is one of those seasons that sneaks up on your wallet. Between back-to-school shopping, pumpkin spice everything, and early holiday prep, it’s easy to feel like money is slipping away. But with a few smart moves now, you can set yourself up for a stress-free holiday season. Here are five quick wins you can […] The post Smart Money Moves to Make This Fall Before the Holidays Hit appeared first on financiALLI focused.

This week on Outliers, I explore the incredible story of Jim Clayton. When the bank forced him into bankruptcy at 27, they literally seized everything, including his accountant’s calculator. He started over and rebuilt following an unconventional playbook. He refused bad loans, vertically integrated everything, and played relentless offense during downturns. While the home industry collapsed in the 1970s, 1990s, and 2000s, Clayton stayed disciplined. Competitors chased growth with loose credit and failed. He survived […]

At a Glance: There are more dimensions to investments than just risk and returns. That’s why some investments can come with high returns and low or moderate risk but have other drawbacks. Tomorrow, the Co-Investing Club is meeting to vet a land fund that has paid 16% distributions since inception, that we’re bringing back because we’ve been so happy with it. Most people think one-dimensionally about investments. Literally one dimension: a line measuring risk and return. They think these two factors always go hand in hand, with high risk and high returns at one end of the spectrum, and low risk and low returns at the other. Disclaimer The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or investment advice.  Always consult a licensed real estate consultant and/or financial advisor about your investment decisions.  Real estate investing involves risks; past performance does not indicate future results. We make no representations or warranties about the accuracy or reliability of the information provided.  Our articles may have affiliate links. If you click on an affiliate link, the affiliate may compensate our website at no cost to you. You can view our Privacy Policy here for more information.    In reality, investments are multi-dimensional. Other dimensions besides risk and returns include: Liquidity Time commitment Tax advantages Minimum investment Access for non-accredited investors Percentage of people who understand the investment The company or investment operator’s ability to attract investors Personal values To illustrate this point, imagine someone pitched an oil and gas investment to an environmental activist. It wouldn’t matter how high the returns were or how low the risk was the activist wouldn’t invest. See? There’s more to investments than just risk and returns. (article continues below) Real estate investments? Awesome. Being a landlord? Less fun. Learn how to earn 15%+ on passive real estate investments in our free video course. Access Free Course Case Study: Land Fund Paying 16% Distributions (I don’t know how that owl ended up with three legs but just go with it) Tomorrow the Co-Investing Club is meeting to vet this month’s investment: a land fund that pays 16% in quarterly distributions. The fund has paid on time every quarter since inception. The operator consistently earns 30-35% net profits in the business’ land investments. We know firsthand, because we invested with them last year too.   “Yeah, but past performance doesn’t guarantee future results, right?” Of course. Every investment comes with risk. But this operator is a veteran land investor with plenty of experience who has consistently performed. Let me propose an alternative question: If

It was a beautiful October afternoon.  I was driving home after an enjoyable mountain bike ride in the Appalachian Mountains, savoring the cool breeze through the open windows in my pickup truck. The radio was on (yes, I’m an old-timer who still listens to the radio, typically a local Classic Rock station), when Bruce Springsteen started belting out his catchy 1984 song…Glory Days.  Feel free to watch the video of that infamous tune, but here […]

Having someone in your life you can rely on is nothing short of a blessing! But what if I told you this blessing is also a financial opportunity? Yes, having a second income helps manage your monthly expenses, but it’s not always enough to live the life you dream of. Don’t worry as we have… Read More The post 10 Best Side Hustles for Couples to Make Extra Money Together appeared first on FinSavvy Panda.

Well, this is a bit of a blow — GrabOne has gone into liquidation. A notice on the website confirms that Global Marketplace New Zealand Ltd, which ran the popular deals site, has officially shut up shop. Liquidators Daniel Stoneman and Neale Jackson from Calibre Partners were appointed on Thursday, saying the business has stopped … Read more