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  • His Fault, Her Fault

    Who’s at Fault When You Fail?

    I attribute my success to this–I never gave or took any excuse. ~ Florence Nightingale Blaming someone else for your shortcomings only leads to further failure and disappointment. You see, people don’t give a crap about you or your problems. Introducing the Pyramid of Blame As you...

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  • makeup-woman-vanity

    Makeup Shopping Blunders: Don’t fall for these traps!

    I just looked over my huge makeup collection and realized what brought it all on – impulse shopping! I am still using items from years ago. I talked to some of my other friends and they’re telling me that they have a ton of makeup...

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  • keep your job

    How To Keep Your Job Forever

        The economy is tough.   Companies are asking more from their employees while cutting costs.   Everybody feels that they are walking on egg shells.   In some States, rent is more expensive than a mortgage payment. Still, people are not buying. Why?...

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  • I hate my job

    How to Thrive in a Job You Hate

    Disgruntled workers have a tendency to slack off in their jobs. After all, if you’re under appreciated, unfulfilled, and overworked, then naturally, you’re underpaid, right? What’s your motivation to cheerfully bounce into work early, voluntarily increase your workload, and quickly finish your assignments? Your meager...

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  • college

    Why you should pay for your own retirement instead of your child’s tuition

    Ideally, I’d love a situation where you can do both — cover your own retirement comfortably AND fund all of your children’s education. Unfortunately, we live in a world where sometimes, there simply isn’t enough money to go around. Retiring in Singapore? I met a...

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  • stock-credit-card

    Paying down a debt? Think of the interest rates as returns.

    I know it sounds stupid, but it might help to think of the interest rates on your debt as returns on your money. Let’s say you have 2 credit cards: One card with a $5,000 balance at 9% interest The other with a $10,000 balance...

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  • What Everybody Should Know About Living with Roommates

    What Everybody Should Know About Living with Roommates

    Housing is the largest expense in most budgets. More than any other bill, it can keep you from accomplishing other important financial goals. How about reducing your housing expenses by getting a roommate or moving in with your parents? It doesn’t have to be permanent....

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  • 50s-couple-money-spend-rich-man-woman-cash

    The Money Gap in Relationships: Where one partner earns more than the other

    The “Money Gap” refers to the gap between the earning income between two partners. Generally (stereotypical but true), it is the man that earns more than the woman, sometimes it’s just a little bit more (no more than $5000 – $10,000) but other times it...

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  • Stacks of coins

    A Fresh, New Way to Look at Budgeting

    With any goal, whether short, long, intermediate, or ongoing, you need a plan. It’s one thing to resolve to save for that swanky Bora Bora vacation, obliterate student loan debt, or put 20% down on your first home. It’s another to take the steps necessary...

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  • life insurance

    Life Insurance by Age

        Did you know that insurance should be the base of all personal financial plans? It is so important and yet often not considered. Why? Probably because it’s complicated and pretty boring! Nonetheless, we should take care of our insurance coverage as a priority....

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