Budgeting & Savings

Wedding Spending Rules To Follow If You Don’t Want To End Up Broke And Alone

If you want to start your marriage right, then following these wedding spending rules so you don’t end up broke and alone. Given roughly half of marriages eventually end in a divorce and wedding ceremonies last for at most 12 hours in America, it’s wise to spend as little as possible on a wedding just […]

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How Much To Spend On A Hotel While Traveling Abroad – Calculate NHER©

When the pandemic is finally over, you might be wondering how much to spend on a hotel. I’ve traveled to over 60 countries in my lifetime and have stayed at hundreds of hotels. Let me provide a framework on how much to spend on a hotel to get the best bang for the buck. How

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The Best Way To Gain Financial Security Is To Develop Financial Buffers

Financial security is what everybody wants, especially during a pandemic. The best way to get financial security is to develop financial buffers. The more financial buffers you have, the greater your chance of making it through even the worst financial crisis. Let me share with you how to gain financial security so you can live

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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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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 Make Six Figures A Year And Still Not Feel Rich – $200,000 Income Edition

Making six figures a year is a lot of money. However, depending on where you live, making six figures may still not make you feel rich! Due to higher cost of living and inflation, making six figures is no longer a guarantee for high living. One of the great things about America is freedom. Tired

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Spending Money On Vacation Is Easy: Vacation Money Is Crazy Money

Spending money on vacation is easy to do. It’s one of the weirdest money phenomenons I’ve noticed. People spend way outside their normal limits while on vacation. It’s as if we enter a casino where money has no value because everything is clay chips. Vacation money is crazy money. With millions of people itching to travel after

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The Best Food In The World Is In Malaysia

As a foreign service kid growing up, I lived in Zambia, Taiwan, Malaysia, Japan, and The Philippines. Then I worked in international equities for 13 years and traveled to over 60 countries. As a lover of food, I think the best food in the world is in Malaysia. After 24 years, I finally returned to

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