Come ottenere un aumento di stipendio? Quali sono gli argomenti su cui fare leva? Quali sono gli errori da evitare? Parlare di soldi non è mai facile. Ancora più difficile è farlo con il proprio datore di lavoro. Ma il livello di difficoltà massimo è chiedere un aumento di stipendio al proprio datore di lavoro. E’ più forte di noi. E’ una di quelle conversazioni che chiunque vorrebbe evitare. Eppure ogni tanto bisogna. Chiedere un […]
Discover the top 25 German dividend stocks for 2025. Find reliable companies to grow your income and diversify your portfolio today! The post 25 Top German Dividend Stocks to Consider in 2025 appeared first on European Dividend Growth Investor.
I haven’t written an article in so long that my typing speed has slowed down. It’s not a problem if you don’t have to write for your dinner, but I had Mavis Beacon pace that’s now more like Mavis MaGoo. It’s alright. Blogging for the sake of the blog was never the end goal here. […] The Post Fewer Posts May Indicate a Successful Strategy appeared first on Abandoned Cubicle
We’ve used Swagbucks and Survey Junkie for years — taking surveys, testing promos, and cashing out dozens of times. On the surface, they look similar. But once you spend time on both, the differences become obvious. Swagbucks gives you more ways to earn (games, shopping, referrals), while Survey Junkie sticks to surveys but usually pays more per gig. Both pay. Both are legit. But they work better for different types of users. Swagbucks vs. Survey […]
A few short months ago, there was a lot of fear and worry around tariffs impacting investments. I advised to stay the course; I didn’t know when the stock market would bounce back, but I knew it would. And it did. That bounce-back was the main reason I reached my latest net worth milestone. Ladies, gents, and the rest without titles: I now have a $600k net worth, reaching this goal mere days before my […]
My main goal* was to build an investment and cash portfolio of $1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in 1500 days**, starting from 1/1/2013 and ending in February of 2017. I made my goal in 2016, my 1500 Days are over, and I’ve left my job. In the interest of openness, I’ll continue to share […] The post Performance Update, Q2: Not On My Bingo Card appeared first on 1500 Days to Freedom.
It’s not all bad having to register to collect and remit GST/HST as a small business. You know why? Input tax credits! These credits allow you to get some of that money back in your pocket. But before getting to that, let me go over who has to register for GST/HST in the first place. […] The post Input Tax Credits Canada Explained appeared first on Jessica Moorhouse.
Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors: Paul wrote in and said: I’m years away from RMDs, but all the bad stuff that comes with them makes me worry…. Forced to withdrawal more than I need, withdrawal rates that start too high and just keep going up, trigging higher taxation of Social Security, increasing IRMAA Medicare rates, no more stretch provision for heirs. But a particular fear is self-inflicted sequence of returns damage. I re-balance in May. As part of that, I figure that’s when I’ll take my RMD. Let’s say my IRA balance was $1M as of 12/31. However, the market dropped 30% in February and it has not recovered. I’m forced to calculate my RMD against a balance that doesn’t even exist anymore. My balance is down to 700k. Conceivably, this could happen many times over 20+ years. The RMD might force me to withdraw 5% or 6%, when (if I were in control) a guardrail approach might only suggest 2% for that year. Basically, when there’s a hole in the boat, best to not make it any bigger. I find this scenario very troubling. Paul outlines a fascinating and possibly scary concern. Do required minimum distributions (RMDs) have a destructive synergy with the sequence of returns risk? Can this combo “sink your boat?” Let’s dive in. I’ll add some color and explanation to Paul’s question, walk you through my thoughts, and ultimately leave you with a solid plan of how to mitigate (or even avoid) these bad outcomes in your retirement. Basics – RMDs, Sequence Risk, and Other Concerns First, I would like to provide some background on Paul’s question so that you can fully understand what he’s asking. Required minimum distributions, or RMDs, are mandatory withdrawals you must take each year from certain tax-deferred retirement accounts (like traditional IRAs and 401(k)s) starting at age 73, age 75, or possibly other ages pending future legislation. The RMD amount is based on your account balance and remaining life expectancy. Just like other withdrawals from tax-deferred accounts, RMDs are taxed as ordinary income. The sequence of return risk states the following: not only does the magnitude of investment returns matter, but the sequence of those returns matters as well. Specifically, a particularly poor series of investment returns during the early years of retirement can permanently damage and derail a long-term retirement plan. To learn more about the sequence of return risk, tune into Episode 87 of Personal Finance for Long-Term Investors: Paul, who asked the question, outlines a couple of other concerns too. I’ll explain them below, but won’t dive much deeper. Higher taxation of Social Security**. Depending on your total income, only a portion of your Social Security income is actually taxable. Granted, these income brackets are relatively low. For example, a married couple earning $44,000 (or more)
Everyone loves to say “don’t put all your eggs in one basket.” It sounds responsible. Safe. Mature. But here’s the truth: you don’t get rich by diversifying. You get rich by concentrating your time, capital, and energy on a single mission. A business. A bet. A bold idea. You pour yourself into something where you have an edge, where you control the outcome, where asymmetric upside is possible. That’s how wealth is built. And yes, […]
It was my birthday this month and I celebrated by attending a gin festival for something different! Some gins nearly blew my head off, a couple tasted awful, a few were great. I did come away with an overpriced bottle. … Continue reading → The post June 2025 Savings, plus other updates appeared first on Quietly Saving.
Making more without working more. It’s the holy grail of personal finance. But is it as difficult to achieve as it seems? Or are there actual ways to increase your earnings without needing to increase your effort? The truth is somewhere in between. Yes, it’s possible to increase your income without increasing your effort, but only if you change your strategy. This is the premise of my upcoming book, The Wealth Ladder, which comes out in 2 weeks. The core idea: the strategy that got you to one point in your financial life may not get you to the next. This is true whether you’re trying to build wealth or simply earn more. Too often we get stuck in the same routines while expecting different results. But, when it comes to making more without working more, the answer isn’t necessarily to work harder, but to work differently. Below are four strategies I explore in more depth in the book that can help raise your income over time. Let’s dig in. Negotiate a Raise The simplest way to get paid more without working more is to ask for a raise. Of course, negotiating a raise is easier said than done. Not only can the situation be stressful, but if you ask for a raise too early or too often, it could harm your reputation with your employer. Trust me, there’s nothing wrong with asking for a raise. This is particularly true if you’ve gone above and beyond in your role or taken on additional responsibilities. However, you should prepare for that discussion. Rehearse it. Ask a trusted friend to help if needed. Go through various scenarios and how you might respond. I’ve made the mistake of not preparing for such conversations and it showed. The good news is, if you ask for a raise, you will probably get it. As the Federal Reserve noted: Most people who asked for a raise received one. Among those who asked for a raise in 2022, 70 percent also said that they received a raise. This share was similar in 2021 and was up 4 percentage points from 2019, before the pandemic. LendingTree did a separate study and found that “82% of full-time workers who asked for a pay raise in the past year received one.” And this is among all workers who asked for a raise. I bet if we subset to those who thoroughly prepared beforehand, the success rate would be even higher than 70%-80%. Ultimately, the higher pay you could receive from a raise should more than make up for the time you spend preparing for a negotiation. While asking for a raise won’t always go in your favor, it’s one of the few times in your career where a little can go a long way. Get a Higher Paying Job If asking for a raise in your current role doesn’t yield higher income, you may need to change things up. This could mean finding a new job (i.e. job hopping), learning
The portfolio has recovered from April lows and is going on an upward trajectory again. Again, year to date increase is more than I made in my day job. Compounding is nice, but it takes many years of waiting and discipline which people don’t have … Read moreJune 2025 Dividend Income Update The post June 2025 Dividend Income Update appeared first on Genymoney.ca.
We share our experiences with using a food processor and review if it’s worth it. Can using one save you time when cooking? The post Is a food processor worth it? appeared first on The Financial Wilderness.