Every U.S. election is critically important to good governance at all levels, be it local, state or national. However, there’s no denying that our every-four-year presidential elections are particularly crucial, and that’s especially true in recent years when divisiveness and partisanship make it harder for politicians to cross party aisles and work with each other. Elections are also...

Retirees are common targets of cyber scams, attacks, and thefts. In 2023, Americans over 60 reported the highest number of cyber crimes, with over 100,000 complaints filed by people in that age group. We know that retirees are more vulnerable to cybersecurity threats. For that reason, as a retired person, you must take steps to protect your online...

The Temu vs Shein controversy is spicier than you might have imagined. The two Chinese ecommerce behemoths aren’t just battling it out for consumer dollars — they are also at war in the courtroom. Temu (along with several other entities) has accused Shein of breaking all sorts of laws, threatening suppliers, and using other dirty tactics...

Owned by PayPal since 2013, Venmo has become one of the most popular peer-to-peer (P2P) platforms for requesting money and making payments. As of 2023, there are tens of millions of individual Venmo users, as well as more than two million Venmo business profiles in operation. With so many people embracing the service for their everyday payments,...

If you are an aspiring entrepreneur or already at the helm of your own business, then it’s time to brush up on all of the latest financial buzzwords. One concept must add to your tool belt is “payback period.” The payback period reveals how long it will take you to recoup initial investment costs. A shorter...

In this era of financial independence and diverse investment opportunities, Self-Directed Individual Retirement Accounts (IRAs) have gained significant attention. Are you looking for a unique way to grow your retirement nest egg? Are traditional investments not aligning with your financial goals? Then you’re in the right place. Self-Directed IRAs present valuable opportunities for savvy investors. Exploring these robust financial...

Have you tested your company’s success with an efficiency ratio (or multiple efficiency ratios)? “How successful is your business?” might sound like a straightforward question, but there is a boatload of different metrics you can use to quantify how successful (or unsuccessful) a given business is. When you need to take a close look at...

Retirement is a time of life we often associate with freedom, leisure, and the pursuit of dreams long postponed. However, it should also be a time when prudent financial planning takes center stage, especially when it comes to safeguarding your good health. While a long, happy retirement is something we’d all like, the truth is that as...

We all wish for those extra years, but what’s the point if we’re not taking care of ourselves? Without a solid healthcare plan, living longer might turn into a burden. As you age, heathcare costs can eat up a big chunk of your spending, and that’s not the retirement dream anyone has in mind. One study showed...

Key Takeaways How to use the power of the “butterfly effect.” These small changes can yield outsized results for your business. Have you heard of the butterfly effect? It’s a way of describing how small changes can have a seismic impact on a complex system. Here’s one way it’s often explained. If a butterfly flaps...