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4 years ago by Daniel Brown

How to Start a Business in 11 Steps

Not everyone can become an entrepreneur. But you don’t need to be an expert or have a college degree to start a successfull business. You don’t even need to have...

7 months ago by Daniel Brown

Paying Yourself as a Business Owner

Did you know that about 64% of business owners don’t pay themselves a regular salary? Venturing into entrepreneurship can be exhilarating, yet many stumble upon the question: how to pay...

7 months ago by Daniel Brown

Entrepreneur vs. Business Owner: Spot The Difference?

Picture this: two individuals navigating the labyrinth of the business world. One is an entrepreneur, a trailblazer armed with innovative ideas and a thirst for disrupting the status quo. The...

7 months ago by Daniel Brown

Can I Use a Personal Credit Card for Business Expenses? Exploring the Pros, Cons, and Considerations

Business owners and freelancers often wonder if they can use a personal credit card for business expenses. The reality is that the answer isn’t a simple yes or no; it’s...

8 months ago by Daniel Brown

Is Finance Consumer Services a Good Career Path?

You’ve always been drawn to the financial industry – the luster of Wall Street, the strategic analyses, the chance to impact people’s lives. But have you ever considered a career...

8 months ago by Daniel Brown

9 Winter Gardening Tips and Ideas

Winter poses a unique set of challenges for gardeners. While the season brings forth a picturesque landscape, it also ushers in frosty temperatures, biting winds, and icy conditions that can...

8 months ago by Daniel Brown

Recession-Proof Business Ideas and Industries: Best Businesses During a Recession 

In 2022, five million new businesses were started. While it’s natural to get caught up in the excitement and challenges of a new venture, it’s equally important to prepare for...

8 months ago by Daniel Brown

8 Types of Financial Fraud and Scams to Avoid

In today’s digital age, where convenience is a click away, so are the opportunistic pitfalls set by financial fraudsters. And for many people, distinguishing between genuine opportunities and deceitful traps...

9 months ago by Daniel Brown

Backyard Pool Ideas on a Budget

As summer heatwaves roll in, the allure of a refreshing backyard oasis becomes increasingly irresistible. Contrary to popular belief, transforming this dream into reality doesn’t always have to indicate a...

9 months ago by Daniel Brown

Can the IRS Come After Me for My Parents’ Debt?

Inheriting your parents’ eyes or their love for books might be delightful, but what about their debt? Join us as we delve into the intricacies of IRS rules, and understand...

10 months ago by Daniel Brown

Prevent Credit Card Fraud: Laws and Regulations

It’s an average Wednesday afternoon. Engaged in your daily routine, you hear your phone suddenly buzz; it’s an alert from your bank. “Suspicious activity detected on your credit card,” it...

10 months ago by Daniel Brown

How to Break a Residential Lease Legally

Renting isn’t always blissful. Tenants may encounter unpleasant rental properties, such as uninhabitable units or harassment, that require them to terminate their lease early.   But how to break a lease...

10 months ago by Daniel Brown

What Makes Buying a Foreclosed Property Risky

Imagine finding a property for sale in your dream neighborhood, significantly lower-priced than others – a foreclosed home. These homes are often sold for less than market value because they...

11 months ago by Daniel Brown

How Do Banks Make Money?

Ever wondered how banks generate revenue? Today we’re uncovering the secrets of their financial prowess. Banks, as it turns out, have three key money-making revenues: From the intricacies of interest...

11 months ago by Daniel Brown

8 Ways How AI in Finance Will Revolutionize Decision-Making for Businesses and Individuals

Imagine a world where financial decision-making is no longer limited by human capabilities but instead propelled to new heights by cutting-edge technologies. Welcome to the era of finance AI, where...

11 months ago by Daniel Brown

How to Save Money for a House in 6 Months: A Comprehensive Guide

In a perfect world, buying a house would be as easy as picking out a new pair of shoes. Yet, we all know that real-world scenarios are far from that....

12 months ago by Daniel Brown

How to Create the Right Business Development Plan

Key Highlights Whether steering a fresh-faced startup or commanding a massive corporate ship, mastering the art of crafting a robust business development plan is your secret weapon for success. In...

12 months ago by Daniel Brown

How to Get a Credit Card in 5 Easy Steps

Credit cards offer a convenient and secure way to make purchases, access cash when you need it, and build credit.  However, finding the right credit card and navigating the application...

12 months ago by Daniel Brown

Paying Student Loans With a Credit Card: Yes or No?

Are you drowning in student loan debt and struggling to make ends meet? You may be wondering if you can pay student loans with a credit card.  Although tempting, weigh...

12 months ago by Daniel Brown

How Often Should You Apply for a Credit Card? The Optimal Timing

Are you ready to dive into the world of credit cards but feeling a little overwhelmed by all the options? You’re not alone.  In fact, there are over 500 million...

one year ago by Daniel Brown

5 Budgeting Methods to Fit Every Personality and Lifestyle

Are you tired of generic, one-size-fits-all budgeting advice? Don’t worry. Whatever your preferences, there’s a budgeting method out there that will suit your lifestyle, allowing you to save effectively and...

one year ago by Daniel Brown

Is Business Services a Good Career Path?

When choosing a career path, business services may cross the mind. But what are they, and is business services a good career path? Business services refer to the professional services...

one year ago by Daniel Brown

Things to Know When Selling Crafts Online

Selling crafts online is an attractive way to turn your passion into a profitable business. With an online shop, you can reach customers worldwide as you don’t rely on local...

one year ago by Daniel Brown

5 Differences Between Business Credit Cards and Personal Credit Cards

While they may look similar, business and personal credit cards have distinct features and are designed to cater to different needs. For example, personal cards are generally made for individuals...

one year ago by Daniel Brown

Certified vs. Licensed Business: What’s the Difference?

One of the most important things to consider when running a small business is whether you should be certified or licensed. These two terms often confuse many people, but we’re...

one year ago by Daniel Brown

Why Leadership Soft Skills Are Important

Successful leaders rely on various soft skills that they have sharply honed to improve their chances of developing a successful career. This is because soft skills are heavily linked to...

one year ago by Daniel Brown

Residual Income: The Art of Building Financial Stability

Do you want to gradually build long-term wealth with minimal labor? Then, consider setting up multiple sources of residual income. Residual income allows you to steadily increase your wealth once...

one year ago by Daniel Brown

W-2 vs. W-4: A Comparison of Tax Forms and How to File Them

W-2 and W-4 forms are tax-related documents that every employer must use to report employee earnings to the Internal Revenue Service (IRS). These forms list the salary paid to employees...

one year ago by Daniel Brown

Step-By-Step Guide on How to Build a Bar

Whether you want to host an outdoor gathering or a cozy wine-tasting session inside, a home bar can be the perfect setting for your evening. The good thing is that...

one year ago by Daniel Brown

Graceful Exit: How to Quit Your Part-Time Job

Part-time jobs help you gain experience and develop skills in a particular field. They’re also a good way to earn some pocket change while you pursue your degree. But have...

one year ago by Daniel Brown

Eviction Process and Rental Judgment: Tips to Pay off Debt 

Are you in the middle of an eviction process now? Or have you just received your rental judgment? If you answered yes to one of those questions, you have come...

one year ago by Daniel Brown

Desk Decor Ideas to Inspire Productivity

Your office desk is where you spend most of your workday, so why not make it a space that inspires productivity? Desk decor is a great way to create a...

one year ago by Daniel Brown

Bathroom Flooring Ideas on a Budget

Are you looking to spruce up your bathroom and give it a fresh look without breaking the bank? Look no further! There are plenty of cost-effective options out there that...

one year ago by Daniel Brown

5 Surprising Pros and Cons of Debit Cards Everyone Should Know

Using a debit card has become a standard method of making payments. It can be used for almost anything, like purchasing items at a retail store, paying bills, or shopping...

one year ago by Daniel Brown

How to Decorate Outdoors for Christmas on a Budget

Almost everyone can agree that the holidays are the most wonderful time of the year. Nonetheless, from buying Christmas presents to spending money on decorations, it can also be the...

one year ago by Daniel Brown

Credit Card Types Explained

With different types of credit cards on the market, it is easy to become overwhelmed by the number of choices. Some cards vary based on annual fees, whereas others offer...

one year ago by Daniel Brown

How to Aggressively Pay Off Credit Card Debt

Many Americans struggle with credit card debt. According to the latest consumer debt data from the Federal State Bank of New York, Americans’ total credit card balance reached $887 billion...

2 years ago by Daniel Brown

How to Save Money When Building a House

Building your house is an exciting opportunity to design the home of your dreams from scratch. But constructing a home is undoubtedly extremely expensive. According to HomeAdvisor, average home construction...

2 years ago by Daniel Brown

How To Start a Bookkeeping Business

A bookkeeping business takes charge of recording and managing companies’ daily financial transactions. Its responsibilities include tracking income and expenses, processing payroll, preparing tax returns, and other financial entries.  Starting...

2 years ago by Daniel Brown

Christmas Budget: How to Spend Wisely

The most wonderful time of the year is just around the corner, which means that many of us are looking to buy gifts and decorations. While it is the season...

2 years ago by Daniel Brown

How to Spot a Credit Card Skimmer

About 47% of Americans have fallen victim to at least one instance of credit card fraud in their lives. The most common method of credit card fraud is committed through...

2 years ago by Daniel Brown

Court Blocks Biden’s Student Loan Forgiveness Plan

The U.S. Department of Education is urging student loan borrowers to carry on seeking relief despite a recent court order to block student loan forgiveness. On Friday, Oct. 21, the...

2 years ago by Daniel Brown

Family Financial Planning

Starting a family fills your home with love and joy. But as your family grows, you’ll be faced with more responsibilities that may include paying for your children’s education or...

2 years ago by Daniel Brown

The Difference Between E-Business and E-Commerce

The concepts of e-business and e-commerce are often used interchangeably. Nonetheless, the terms are not synonymous. For instance, e-business is a company that interacts with internal and external parties through...

2 years ago by Daniel Brown

How to Increase Your Efficiency of Work?

The topic of productivity and work efficiency is one that has been discussed and dissected across numerous self-help seminars and books time and time again. But can there really be...

2 years ago by Daniel Brown

What Are Flexible Expenses?

A flexible expense is a regularly occurring cost that varies from month to month. Unlike fixed costs, which remain constant throughout the period, flexible expenses allow you more control over...

2 years ago by Daniel Brown

CFPB Cracks Down on Buy Now, Pay Later Financing

The Credit Financial Protection Bureau (CFPB) looks to improve consumer protections and regulations in the buy now, pay later (BNPL) industry. The agency’s concerns result from high rates of delinquencies...

2 years ago by Daniel Brown

Fed Anticipates Ongoing Rate Increases After This Week’s Hike

After raising rates for the fifth time this year, the Federal Reserve Board anticipates more hikes to come. Six months ago, the borrowing rate was at nearly zero percent. But...

2 years ago by Daniel Brown

401(k) vs. SIMPLE IRA: Which One You Should Choose

401(k) and SIMPLE IRAs are the most common retirement accounts offered by employers. But the decision between 401(k) vs. SIMPLE IRA is not always easy without understanding the key differences...

2 years ago by Daniel Brown

How to Dress Classy and Elegant Without Breaking the Bank

As seasons change, new fashion trends emerge that bring about new elegant and chic outfit ideas. While luxury fashion brands are usually trendsetters, it doesn’t mean you can’t dress elegantly...

2 years ago by Daniel Brown

Lender Rejects Your Loan Application – What to Do?

According to the credit bureau TransUnion, in 2020, 19.4 million Americans had a personal loan. The number was 20.2 million in 2019. This indicates that understanding loan options is crucial for people...

2 years ago by Daniel Brown

10 Patio Design Ideas On A Budget

Turning your outdoor space into a patio is a great way to make the most of your backyard. Not only does it provide a place to relax in the fresh...

2 years ago by Daniel Brown

How to Start a Sticker Business

Starting a sticker business is one of the easiest and most cost-effective businesses you can start today. It’s an ideal side hustle for creative people that will allow them to...

2 years ago by Daniel Brown

How to Start a Pool Cleaning Business: 11 Easy Steps

According to IBISWorld, the U.S. swimming pool cleaning services industry is worth $7.1 billion and is expected to increase by nearly $50 billion in 2032. Given the numbers, starting a pool cleaning business...

2 years ago by Daniel Brown

14 Top Cheapest European Countries to Visit

Europe is one of the most popular tourist destinations in the world, and it’s easy to see why. This vast continent is full of ancient landmarks, beautiful cities, winding mountain...

2 years ago by Daniel Brown

Is It Worth It to Start Living Stingy

The dictionary defines “stingy” as someone unwilling to spend or give. Due to this definition, stinginess usually has a negative connotation, and calling people stingy is not perceived as a...

2 years ago by Daniel Brown

11 Low-stress Jobs

It’s no secret that our busy, modern lives are inundated with stress. And one of the biggest causes of stress is the workplace. There are countless products and methods marketed...

2 years ago by Daniel Brown

Website Maintenance Cost: Budgeting Tips

Creating a website is not an easy task, much less having to maintain it. It requires time, effort, patience, and general knowledge of site management. Like any other long-term investment,...

2 years ago by Daniel Brown

Velocity Banking: What Is It and How Does It Work?

Velocity banking involves using a line of credit as the primary account to make lump sums towards a loan, typically a mortgage. In other words, you would use another line...

2 years ago by Daniel Brown

How To Lower The Electric Bill

One of the significant household expenses is electricity, and it can be tricky to lower the average electric bill. Energy consumption is constant in every home, with devices like water heaters significantly contributing to...

3 years ago by Daniel Brown

How to Set Short-Term Financial Goals?

61% of Americans don’t have sufficient savings to cover a $1,000 medical emergency. An average American adult loses approximately $1,634 per annum due to a lack of financial literacy. However,...

3 years ago by Daniel Brown

How to Start a Painting Business

You’ve decided you’re ready to be your own boss, but you need something with low startup costs. If this is the case, a painting business may be the perfect choice....

3 years ago by Daniel Brown

10 Effective Strategies on How to Stop Overspending and Save Money

A recent study showed that the average American consumer overspends roughly $143 to $340 weekly and around $7,400 yearly. Some individuals may not even realize they are overspending, potentially leading to...

3 years ago by Daniel Brown

Why Is Dubai So Rich and Popular

Some cities are more successful than others — you can see this in their talent, innovation, and citizens’ average income. Plenty of factors contribute to a city’s success, including its...

3 years ago by Daniel Brown

How to Start a Computer Repair Business

It’s always heartbreaking to see coffee spilled on a computer or a virus that threatens the information stored in the computer’s memory. On the other hand, these tragedies may create...

3 years ago by Daniel Brown

How to Create a Startup Marketing Budget

A startup marketing budget is a big priority for a young business. Take a cue from Hotmail’s playbook – a startup that transformed the landscape of email services with a...

3 years ago by Daniel Brown

What is the Cheapest State to Live In?

A dollar you spend in one state may have more purchasing power in another. That begs the question: where is the cheapest state to live in America? To find out,...

3 years ago by Daniel Brown

How to Start a Landscaping Business

It’s a great time to get into landscaping. According to a 2021 study by the IBIS World Landscaping Services Industry Report, the landscape services industry has a market size of...

3 years ago by Daniel Brown

What Happens When You Don’t Pay Child Support?

We all know that getting behind on bills of any sort results in unsavory consequences, but falling behind on child support payments will land you with more serious problems than...

3 years ago by Daniel Brown

How to Start a Credit Repair Business

If you want to start a profitable business that doesn’t require a lot of time to operate, a credit repair business might be the right choice for you. This article...

3 years ago by Daniel Brown

What Happens if You Don’t Pay Student Loans?

There are currently 43.2 million Americans in debt with student loans. The average debt is $39,351. The total student loan debt in the United States is increasing six times faster...

3 years ago by Daniel Brown

Teamwork Makes the Dream Work: What Does That Mean?

“It takes a village to raise a child.” “There’s no ‘I’ in a team.” “Teamwork makes the dream work.” – what do all of these sayings have in common? They...

3 years ago by Daniel Brown

How to Become a Mortgage Loan Officer: License Requirements

Are you contemplating a career change into the world of mortgage lending? Imagine a profession where, every day, you guide individuals through one of their most significant financial decisions. Picture...

3 years ago by Daniel Brown

Active Lifestyle on a Budget

Many people want to adopt a healthy and active lifestyle but are too afraid of the costs that come with it. However, eating wholesome food and exercising doesn’t have to...

3 years ago by Daniel Brown

The Importance of Social Wellbeing in the Workplace

Back in early 2020, the world took an unexpected turn. The onset of the COVID-19 pandemic created an involuntary hiatus in human interaction, cutting off connections at the heart of our daily lives,...

3 years ago by Daniel Brown

How to Start a Home Bakery Business?

Bakeries are a staple almost everywhere, including home bakeries. They are the perfect go-to spots for birthday cakes, catering, holiday pies, and many other sugar cravings. However, the laws and...

3 years ago by Daniel Brown

How Does PayPal Make Money?

It used to be harder to make and receive payments. There were long lines, transportation costs, and numerous other hassles. In 1998 in San Jose, California, several entrepreneurs, who have...

3 years ago by Daniel Brown

Augmented Reality in Business: How it Works

When we hear the term ‘augmented reality,’ visions of a high-tech future like the ones in the show Black Mirror might come to mind, but really, augmented reality is a...

3 years ago by Daniel Brown

8 Hardest Languages to Learn

Some people love a good challenge. This is why you may see individuals of various ages aiming to learn some of the hardest languages in the world. If you think...

3 years ago by Daniel Brown

 Can Deaf People Drive?

You may be wondering: can deaf people drive? The short answer is yes; it is legal for a deaf person to get a driver’s license in over 90 countries, including...

3 years ago by Daniel Brown

What is a Gross Rent Multiplier, and How Do I Use It?

Ever wondered why some real estate investors consistently hit the jackpot while others barely break even? The answer might be simpler than you think: it’s all about knowing where to...

3 years ago by Daniel Brown

What is the RevPAR Formula and How to Calculate It?

Right now, the hospitality industry is not so industrious. The hospitality industry was one of the industries hit worst by COVID-19. And while it’s slowly rebounding, the wound of nearly...

3 years ago by Daniel Brown

How to Report Tax Fraud

Tax fraud costs the U.S. government around $90 billion in revenue every year. That’s bad for all of us. We rely on fiscal revenue to finance infrastructure, health, and education....

3 years ago by Daniel Brown

Top Veteran-Owned Businesses in the US

There are 18.2 million military Veterans in the United States. Veterans own more than 2.5 million U.S. businesses. This makes up about 9% of all companies in America, according to...

3 years ago by Daniel Brown

Skipping Valentine’s Day? Here’s How Much You’ll Save

Valentine’s Day is one of the most significant commercial holidays on the calendar. However, Saint Valentine’s Day wasn’t always an expensive holiday where people gifted their loved ones’ overpriced cards,...

3 years ago by Daniel Brown

Traditional vs. Roth IRA

As you start to save for retirement, you will need to choose between a traditional and Roth IRA. There are some big differences. We will help you study your options...

3 years ago by Daniel Brown

How Do Credit Card Points Work?

Credit card points are a form of rewards given through credit card companies. Cardholders can earn credit card points in numerous ways, whether through purchase, referring friends, or simply opening...

3 years ago by Daniel Brown

Five Stock Market Secrets You Need to Know

Do you want to become a Wall Street whiz or a shrewd investor with a solid strategy for navigating the markets? There’s no doubt that enjoying profitable shares of Twitter...

3 years ago by Daniel Brown

The World of Work in 2021

2020 transformed into the year of remote work, and with that came concerns about cybersecurity, the use of office space, productivity and efficiency, and performance management. While some major tech...

3 years ago by Daniel Brown

Financial Literacy for Kids: A Comprehensive Guide to Teaching Essential Money Skills

Financial literacy for kids opens up a world of opportunities for them to grow into financially savvy adults. Educating children about money, while a complex task, is an enriching journey...

3 years ago by Daniel Brown

2021 Housing Market After COVID

In 2020 the housing market experienced a major pandemic-driven boom, with low-interest rates and high demand for housing. Experts predict that this demand will continue through the next year, as...

3 years ago by Daniel Brown

What’s Happening in the Tourism Industry?

The COVID-19 pandemic isn’t only a health crisis but an international economic crisis too. Since the implementation of travel restrictions, the tourism industry has been heavily affected. This had led...

4 years ago by Daniel Brown

How to Deal With Financial Stress: 7 Strategies to Solve Financial Problems

Financial stress impacts individuals across a range of professions, with 67% of workers reporting feeling stress due to financial issues. This stress not only affects job performance but also poses...

4 years ago by Daniel Brown

How to Make Extra Money on the Side

There are very few people who would say no to finding new ways to make extra money. There are more opportunities than ever before. Twenty years ago, making extra money...

4 years ago by Daniel Brown

Traveling on a Budget: Best Money-Saving Tips

We live in an age where travel is easier than ever before, and it is also more affordable if you can be smart about the way you are choosing to...

4 years ago by Daniel Brown

What to Spend Money on for a Better Life

What to spend money on if you want to enrich your life? There are many things to spend money on that may make you feel good initially, but the temporary...

4 years ago by Daniel Brown

Indoor Activities for Kids: Best Affordable Ideas

In this exciting and interactive guide, we will delve into a wide array of indoor activities for kids from toddlers to preschoolers. These are ideal activities that you can take...

4 years ago by Daniel Brown

Home Decorating Ideas on a Budget

Is it time to spruce up your home? Are you looking for some modern ideas for decorating on a budget? Not everyone is looking to spend a significant amount of...

4 years ago by Daniel Brown

Critical Mistakes That Can Lead to Business Bankruptcy

There are a number of errors individuals may make when starting a business or in the everyday running of said business. It can be important for business owners to understand...

4 years ago by Daniel Brown

Tips for Homeschooling on a Budget

About 1.5 million children, 3% of American students, are homeschooled, according to the 2012 Statistical Abstract released by the U.S. Census Bureau. And since then, higher numbers of Americans have...

4 years ago by Daniel Brown

13 Best Jobs to Work from Home

Innovative and advanced technology is making remote work a reality. And in today’s rising gig economy, more workers are opting to earn money from the comfort of their homes, in...

4 years ago by Daniel Brown

Cheap and Good Hobbies You Can Start Today

Have you ever felt the urge to dive into a new hobby, only to be held back by the worry of overspending? Hobbies are not just pastimes; they are gateways...

4 years ago by Daniel Brown

Signs You’re Financially Ready to Retire

About half of Americans retire between the ages of 61 and 65, with 79% of Americans leaving the workforce by the age of 75. But recent research has shown that...

4 years ago by Daniel Brown

Best Honeymoon Ideas for Every Budget

It’s a vacation memory that should last a lifetime, and even if you don’t have a considerable amount to spend, you can still make your honeymoon special. In this guide,...

4 years ago by Daniel Brown

Renting an Apartment: Budgeting Tips

Are you looking to rent somewhere new or rent on your own instead of living with others? You will probably have a lot of extra questions about renting. How much...

4 years ago by Daniel Brown

How to Save Money on Groceries

In this guide, we’re looking at how to save money on groceries. If you consider the fact that you buy groceries every week and the fact that everyone needs to...

4 years ago by Daniel Brown

Benefits and Disadvantages of Online Shopping

The first documented online purchase was made in 1994 when entrepreneur Dan Kohn sold a Sting CD to a friend on a website called NetMarket. Since then, online shopping has...

4 years ago by Daniel Brown

10 Financial Tips for Planning a Wedding

You just got engaged to the love of your life. Congratulations! That’s one dream come true. It’s time to take the next step – getting married. Planning a wedding is...

4 years ago by Daniel Brown

Top 8 Most Expensive Sports in the World

There are some sports that anyone can get started within no time at all. If you want to become a runner, all you need is somewhere to run and some...

4 years ago by Daniel Brown

Choosing a Budget Family Car

Change is inevitable, especially when you have a growing family. Whether you’ve just welcomed your firstborn or already have five in the family, you’re going to be facing some serious...

4 years ago by Daniel Brown

How to Set a Home Improvement Budget

Home is where the heart is. And for many, home can be a sanctuary from the outside world. To this end, it is no surprise that a large number of...