One major concern that many parents have these days is that their children may not be able to afford purchasing a home because of the high cost of living and the high prices of homes. Some parents are delighted that their children are able to land a job while they are…

One of the reasons why the rich appear to get richer while the poor appear to get poor is significantly related to habits. Humans are creatures of habit, so people will always default to their natural habit of comfort. If over time the rich developed the habit of…

The inflation rate reported at the end of January 2022, was 4.8%. Reports say this is the highest it has been in more than 30 years. However, this is not a true indication of inflation across the board because the increase in house price, for instance, is not factored…

Most people spend months in advance planning for and anticipating their one week vacation to their dream location. However, when it comes to their longest vacation in life, retirement, they often do very little or no planning at all. In fact, there are many who…

What is the difference between a Debit Card and a Credit Card? When you use your debit card to pay for goods and services, the full amount of the transaction is withdrawn from your checking account immediately, providing there is sufficient funds to cover the…

Many of us use OPM on a daily basis without even realizing it. For instance, each time you go to the store and use your credit card to make a purchase, you are using OPM. When you lease or finance your car, you are using OPM. When you take a mortgage to purchase your…