Why Does Fake News Exist? A Look Inside A Highly Lucrative Business

Fake news is a problem that doesn’t look like it’s going away anytime soon. When Trump was president, it was fascinating to witness the war between Trump and the mass media, especially CNN. The rare press conferences he hosted were entertaining to watch if you were stuck on the toilet longer than normal one morning. […]

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Average Consumer Expenditure Per Year Proves Americans Are Living The Dream

We know the average spending for American households over the age of 65 is a surprisingly high $45,756 a year or $3,800 a month according to the Bureau of Labor Statistics. Now let’s look at the average consumer expenditure per year in more detail. Given the average Social Security benefit is only $17,532 a year,

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Mental Illness Deserves A Sick Day Just Like A Physical Illness

What’s great about America is that we’ve got a highly productive workforce that grinds like no other. We invent some of the greatest products and consistently build some of the largest companies in the world. But we are also increasingly suffering from mental illness. As a result, more of us need to take mental sick

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It Feels A Lot Like 2007 Again: Reflecting On The Previous Peak

It feels a lot like 2007 again. Almost every major asset class is on fire. People are leveraging up to buy things they don’t fully quit understand. Investing FOMO is all over the place! Let’s review why it feels like 2007 all over again so we can better protect ourselves. Reflection helps us appreciate how

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To Get Ahead, Choose Production Over Talent Every Single Time

There will undoubtedly be tremendous turbulence in our lives that will test our faith. But controlling what we can control is a vital part of growth and happiness. My favorite thing to control is work ethic. Because I realized early on I neither had the mental or physical talent to surpass my peers, the only

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The Importance Of Feeling Consistently Uncomfortable For Personal Growth

With the racism and sexual assault allegations that have befallen the Governor of Virginia, the Attorney General of Virginia, and the Lt. Governor of Virginia, I was reminded of all the racist altercations I experienced growing up in Virginia for public high school and public university in the mid-to-late 90s. They were instrumental for personal

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The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

If you want to save money, the proper geoarbitrage strategy is not moving to a developing country to save money. That’s too disruptive for most people, especially households with kids. The proper geoarbitage strategy isn’t relocating to another state either. Instead, the the best geoarbitrage strategy is to first look within your own city. This

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How To Get A Mortgage Loan Modification: In Search For Lower Rates

You know what’s better than successfully refinancing your mortgage at a lower rate? Getting a free mortgage loan modification at a lower rate without all the paperwork, hassle and fees. A mortgage loan modification is when the bank contacts you and basically says, “Hey good looking! Do you want some free money? If so, you’re

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The Average Social Security Benefit Is Not Enough For Retirement

In theory, the maximum possible Social Security benefit in 2021 for someone who retires at full retirement age is $3,148, up 2.6% YoY. However, in order to collect the maximum benefit, you would need to earn the maximum taxable amount for 35 total years. Given the maximum taxable amount was $142,800 for 2021, this was no easy feat. According

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