The average percent of income donated to charity by levels of income is sadly very low across the board. According to several of the largest charitable foundations, the average income donated to charity ranges from just 3% to 5% of annual gross income. Not surprisingly, the average percent donated to charity is the highest for […]
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Having diverse income streams is vital for achieving financial independence. And if you have diverse interests, you will likely also have diverse income streams. The more interests you have, the happier you will be. Imagine if one of your hobbies is analyzing clouds, or cumulonimbuses for the scientifically savvy. You could step outside any time
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This post will teach you how to get hired if you are overqualified. Being overqualified for a job you want is frustrating. You want to get paid for your experience and expertise, yet you also don’t want to lose the job because you enjoy what you do! Convincing your spouse to allow you to go on a
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The best time of the year to buy property is when nobody else is looking to buy property. With less competition, you can potentially get a better deal. Therefore, the best time of the year to buy real estate is during the winter months – specifically late November, December, January, and early February. The rainier,
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FIRE is a popular topic. But what about the dark side of FIRE? This post shares some poignant FIRE confessionals to help keep things real. I published this post during the global pandemic, and I’m revisiting it more than five years later. When I started writing about achieving financial independence in 2009, there wasn’t a
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For most people, an adjustable rate mortgage is better than a 30-year fixed-rate mortgage. With an adjustable-rate mortgage, you will likely save more money during the duration of your ownership. Even in a rising interest rate environment, an ARM will likely still save you money in the end because rates will eventually go back down.
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To get through a bear market, you should have a money gratitude journal. It will help you feel more appreciative about everything you have. Simply write down all the things you spent money on that could have been invested in the stock market instead. That is the amount of money that you spared from getting
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The “one more year syndrome” is a debilitating syndrome faced by people who want to retire but keep putting retirement off. Before you know it, the one more year syndrome might turn into five years or even 10 years of still working at the same place. Then you might look back on your life with
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This article looks at the best paying government jobs. Government jobs may not pay as well as private sector jobs, but the benefits and pension are very attractive. Government jobs are also very secure, which is something attractive during a bear market or a pandemic! In fact, due to a collapse in interest rates in
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Alternative investments continues to grow as a percentage of my portfolio. I like alternative investments because they tend not to have any visible volatility. Further, I can make an investment not not have to think about the investment for many years. In this article, I’ll discuss why I’m investing more in debt. Alternative Investment In
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