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David Quilty
David Quilty is a freelance writer living outside Santa Fe, NM. After burning out working in the entertainment field in Los Angeles for many years, David decided to strike out on his own and follow his passions for writing, web design, politics, and green living on a dirt road in rural New Mexico.

12 Great Summer Jobs for High School Students

By David Quilty

tutor girlWorking during the summer when school is out of session is a great opportunity for teenagers to make money and assert their independence. Having a summer job can help you earn spending money, pay for college, and gain practical experience for a future career, all while providing opportunities not available during the school year.

Deciding what you want to do is the hard part. Do you want to work outside? Work with others? Work with animals? Once you figure that out, you will find that there are summer jobs that fit the bill for almost any interests you may have.

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What to Do If You Win the Lottery

By David Quilty

winning lottery ticket jeansI have admitted it before and I will admit it again – occasionally, I play the lottery. Not with any real expectation of winning, of course, but just for the fun of it and the “what if” tease that comes when some of my numbers pop up.

But even though we all dream of winning the lottery, not too many of us are prepared to handle what comes next. In fact, your lucky day could turn into your unlucky day if you’re not careful.

With that in mind, let’s take a look at some of the most important things you can do to avoid becoming a loser after winning.

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10 Best U.S. Cities to Live In

By David Quilty

san franciscoAmericans are mobile people. In fact, the U.S. Census reports that about one in six Americans move each year. Though most moves are local, nearly one-sixth of all people who move change states.

Finding the home that is right for you largely comes down to personal preferences, and the cities in this country have such varying characteristics that it can be a daunting task to narrow your search down to just one. However, taking a broad view of the cities and investigating the characteristics that will affect your life on a daily basis can help you narrow it down.

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What Is Good Debt vs. Bad Debt

By David Quilty

debt handcuffsWhile most of us cannot live entirely debt-free, there are major differences between what is considered “good” debt and “bad” debt. Though some debt falls into a bit of a gray area, good debt is simply defined as money borrowed to pay for items you truly need or that appreciate in value, and bad debt is accrued for items you only want and that generally depreciate in value.

To help you make this distinction, it is important to be able to differentiate between wants and needs. Moreover, before borrowing money, you need to determine whether the money is going toward something that will have a positive or negative effect on your overall financial situation. Ultimately, debt is not always bad – it’s how you use it that counts.

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6 Bankrupt Celebrities Who Went From Rich to Broke

By David Quilty

donald trumpMaking millions of dollars or having celebrity status doesn’t do much to deter bankruptcy. Between 2008 and 2009, bankruptcy filings for those with more than $1 million in assets increased by 73%, and “Sports Illustrated” says that 78% of former NFL players go bankrupt within two years of retirement. Even some lottery winners go bankrupt after winning hundreds of millions of dollars.

But how is it possible that so many millionaires find themselves in bankruptcy court, scrambling to protect what little they have left? The answer may be in their stories. With all the celebrity millionaires (and billionaires) who have gone broke, we may be able to learn from their mistakes.

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5 Ways to Save on a Vacation Home Rental of Your Dreams

By David Quilty

vacation homesWhen planning a vacation, you’ll be faced with an array of lodging options: hotels, motels, campers and RVs, tents, and home rentals. While these are all excellent options, my personal favorite is the short-term vacation rental.

A vacation rental is typically a fully furnished home, condo, or apartment. The experience of staying in a rental is similar to staying at a hotel, with the added benefits that it’s much larger, more private, and usually offers a more comfortable, relaxing “homey” feel. It may even supply travel supplies.

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Top 15 Jobs That Require Little or No Experience

By David Quilty

15 jobsAre you fresh out of school, looking for a job, but lacking in experience? You might think this will stop you from landing a decent paying job, but that’s not true. Not every entry-level, “no experience necessary” job is a dead-end.

While many professional careers do require formal higher education and years of experience, you can find high paying jobs that don’t require a college degree or prior experience. Some of these jobs even offer paid, on-the-job training!

To help you get started on your job search, check out these 15 suggestions, along with salary estimates and employment requirements.

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10 Reasons to Volunteer Your Time or Work for Free

By David Quilty

internshipIf someone asked whether you would like to work for free, your initial reaction might be, “No way!” or, “Why would I do that?” However, there are several reasons, depending on your situation and goals, why volunteering may actually be in your best interest.

For example, if you’re focused on how to make your paycheck last longer, think too of how to make it bigger. Working gratis can provide you with the experience to do just that.

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11 High Paying Six Figure Jobs without a College Degree

By David Quilty

it managerWhile many aspire to go to college after high school, not everyone can, or should, head straight to university. Family issues, a lack of funds, unforeseen responsibilities, or the choice of career path might dissuade someone from attending college. Only 27.5% of the U.S. adult population has a four-year college degree.

Many people who do not attend college earn six-figure incomes and become successful without four-year college degrees. In fact, studies revealing that high school graduates earn an average of $1.2 million over the course of their working life illustrate that opportunities exist for those without degrees to make $100,000 or more each year. Achieving financial success without a college degree requires a lot of determination, risk-taking, and networking, but the opportunities are definitely out there.

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9 Effects of the Recession on Families and How to Cope

By David Quilty

man family recessionDuring any recession, news stories about unemployment figures take center stage while the families dealing with the recession suffer, often quietly. People work hard just to stay afloat in hopes that the economy will turn around soon, but often to no avail.

While many families do their best to carry on as if nothing is wrong with the world, recessions can have a profound effect on their day-to-day interactions and the way they live. Families may not be able to avoid the effects of the recession, but they can make changes that can improve their situations and help them prepare for the future, while they wait for an economic upswing.

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What Is a Midlife Crisis – Signs, Symptoms & How to Deal with It

By David Quilty

old man sports carBuying an expensive sports car, getting some fancy bling, and getting Botox injections: What do these three behaviors have in common?

They may be signs that someone is having a midlife crisis. A midlife crisis happens to many men and women, often between the ages of 35 and 55. A midlife crisis can dig a significant hole in someone’s savings and retirement accounts, and while some studies have shown that only about 10% of the U.S. population has a legitimate, identifiable midlife crisis, the process can be painful for many people.

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Wardrobing on the Rise in Tough Economic Times

By David Quilty

couple shopping store“Wardrobing” is the act of buying a product from a retailer (most commonly high-end clothing, but it can be other items as well), using it for a while, and then returning it as “unused” to the store for a full refund. For example, people who need a formal dress or suit to wear once (e.g. wedding tuxedo or wedding dress), or even people who need to access technology equipment, sometimes take advantage of liberal return policies in order to “borrow” the items they need free of charge.

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Should I Sell My Car to Get Out of Debt & Pay Off Bills?

By David Quilty

car vs cash to get out of debtHow strong is your desire to get out of debt? What are you willing to give up, sell, or live without in order to meet that dream head on? Would you be inclined to sell your beloved car in order to bring your balance sheet back into the black? In many cases, selling your car and going without one, or replacing it with something cheaper, can be a great way to finally pay off your debt.

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Automatic Bill Payment Plans – Advantages & Disadvantages

By David Quilty

bills to pay stackMost of us are always on the lookout for ways to cut the amount of time we spend on mundane chores. One of the ways online banking has helped free up our time is through the advent of automatic bill pay. You can set up automatic payment plans for utility, entertainment, household, and other bills. In fact, almost any vendor you purchase goods or services from now offers automatic payment plans.

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How to Stretch Your Paycheck and Make It Last Longer

By David Quilty

paycheck jeans pocketWhen I think of different ways to make my paycheck last longer, my mind typically contemplates the little ways to save money like canceling cable TV, going without my daily latte, or cutting coupons. But while it’s true that little things can add up to big savings over time, there are other ways to extend a paycheck that don’t involve cutting back on minutiae. In other words, you could keep the cable and still not feel the pinch.

Let’s take a look at 9 ways to stretch a paycheck that a typical person might not readily consider.

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