Conventional wisdom tells us, “neither a borrower, nor a lender, be.” Conventional wisdom never met the coronavirus. In one way or another, it has made conventional fools of us all. We are in the process of rewriting the rulebook. Savings accounts, retirement investments, college funds - these are the artifacts of prosperity. They are rather less meaningful when scrounging for one’s next meal. The number of delinquent mortgages is five times higher than it was at the beginning of 2020. Despite … [Read more...]
Choosing a Financial Provider: 5 Factors To Consider
If you have a good idea, it will play a vital role if you want to be a successful entrepreneur. An idea is not the only thing you need; other things also play a part in success. However, capital is also an essential factor before venturing into the great idea. Unless you have a way to self-fund the project, then you need to secure a loan. If so, do you know how to choose a loan provider that meets your objectives? It is overwhelming to look for a business loan provider. It feels confusing and … [Read more...]
An Interview with a Western Cheapskate
Q: It’s nice to sit down with cheapskates -- er, I mean, abstemious people - from other parts of the country. Randy, welcome to the interview. A: You can call me a cheapskate. You can call me a tightfisted, penny-pinching, miserly S.O.B., but don’t call me late for dinner! Q: Somebody’s been reading their thesaurus! Tell us, how are the current events affecting your finances out there in the Wild West? A: You know… practicing frugality is more or less getting us through it. I like to say that 18 … [Read more...]
Does Your State Really Make an Impact on Your College Debt?
College debt is a hot topic right now, and for good reason. Many people get out of college with tens of thousands of dollars in debt, and if you can avoid it, you definitely want to take the steps necessary to do so. Although you’ve probably thought about location when discussing your future college, you might not have thought about a state’s bearings on your eventual debt. But astonishingly enough, your state might make a significant impact. Check out this state-by-state analysis to get the … [Read more...]
How to Budget in the Gig Economy – What you Need to Know
Budgeting is a common financial management strategy for many people - regardless of where they work. However, if you are one of the digital nomads that are thinking of joining the expanding gig economy, then it could be even more critical for you to get your budget on track. Freelance and remote working are options that are growing increasingly more realistic and compelling in the modern marketplace. Of course, while working outside of the standard nine-to-five schedule has its perks, there are … [Read more...]
Who’s Your Competition?
If you’re taking decisions for a business, as a founder, owner, CEO, or CMO, you need to take a lot of different factors into account. The skills available in your workforce, the budget you can safely commit to a project, and the demand in the market for your products are important, but those all neglect an important consideration: the competition. If you don’t know who your competition is, you can’t take their potential actions into account. Identifying who your rivals are in your … [Read more...]
Roles within mental health and how they rely on one another
In recent years, we, as a society, have made major breakthroughs in our regard, attitude and understanding toward mental health. As our understanding has increased, we have begun to see the sheer complexity of mental health. This has meant mental health jobs have also changed and developed over time. In this article, we will have a look at a few of the different roles within mental health and how they coincide with one another. Often overlooked, but vital to any mental health team are … [Read more...]
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