Different Investment Strategies: Structured Settlements

Different Investment Strategies: Structured Settlements

How are young adults, who have had little to no experience with investing, supposed to sort through the myriad of investments while also not delaying this very action? The obvious answer is to first admit that it is a challenge and there is no simple answer. BUT, with that said, it doesn’t mean that there aren’t starting points and principles to start with as you sort through the options for investing. In an effort to explore different investment strategies, this post explores the possibility of buying structured settlements as an investment strategy and important things to consider when considering this as an investment strategy.Continue Reading

Three Simple and Proven Methods to Save ENOUGH for Retirement

Three Simple and Proven Methods to Save ENOUGH for Retirement

Young adults struggle with retirement planning – as they should. For a recent college graduate, there way too many variables to accurately predict their retirement costs. Some people attempt to simplify the calculations by saying to use a percentage of your income, but we all know that doesn’t work (and if you don’t click on that link to learn more). Others use other rules of thumb like having 25 times your current expenses in savings (which is the same as the 4% safe withdrawal rate). While these are great starting points, they don’t cover everything. I have several proven patterns that you can follow (assuming you are financially able) to make sure you are saving enough.Continue Reading

5 Action Steps to Turn Your Idea into Reality

5 Action Steps to Turn Your Idea into Reality

If you are like me, you might have an idea, but aren’t sure how to bring it to market or what route you should take. While I can’t tell you exactly what you should do, I can give you some guidance that I learned over the years.Continue Reading

Cloud-Based POS: Must-Have Systems for Retail Sale?

Cloud-Based POS: Must-Have Systems for Retail Sale?

Retail storeowners do everything possible to make the shopping experience as user-friendly as possible. This includes larger aisles, discounts and deals, faster billing, attractive product displays, etc. All these are fine and they do improve the shopping experience but it all comes down to billing and wait time. Billing Time Can Annoy Customers Considerably TheContinue Reading

Being Smart With Student Loans

Being Smart With Student Loans

Student loans are an inevitable part of many college students lives. When I was an undergrad, I was lucky enough to only have taken out a couple of loans that were reasonable in amount. But when I went back to school for my graduate degree, I made a mistake that set me back many years financially – I took everything they gave me.Continue Reading

How Debt Hurts You

How Debt Hurts You

We all know that debt is bad. Having debt means that we are spending more than we are making. While some instances debt is required, such as for the purchase of a new home, in most cases, debt is a bad thing. In this post, I am hoping to show you just how much debt hurts you financially. I hope to open up your eyes so that you stop living a life in debt and start saving for your future.Continue Reading

Why You Should Hang Out With Your Professor

Why You Should Hang Out With Your Professor

Let me start off by staying I don’t mean you should become best friends with your professor and hang out with him or her on nights and weekends. But, you should make it a point to visit them in their office during office hours and go above and beyond just attending classes. Why is this? Read on for the reasons.Continue Reading