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Jesse Michelsen
Jesse Michelsen is a 23 year freelance writer with a passion for personal finance. Without any formal education in finance, he writes about his own experiences in managing money, budgeting and investing with the goal of retirement at 40 always in mind. He resides in Utah with his wife, 2 girls, and baby boy on the way.

Personal Finance Round-Up: Will More Modern Jobs Be Temporary?

By Money Crashers

outsourced boxesThe workforce since 2008 and how business is conducted has changed drastically. In the past, there was such a thing as job security, tenure, company “lifers,” and pension plans. That is no longer a reality and it’s something you and I will have to come to terms with. We will have to learn to work with the new way things are done and realize that with the scarcity of jobs, people willing to work without benefits as temps will be the future.

Darwin, in Say Bye to Full-Time Employment: You’re Likely to be a Temp in the Future, gives some examples of fields that are destined to become temporary positions in the future.

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Personal Finance Round-Up: Don’t Burn Your Bridges

By Money Crashers

businessman bridgeThe phrase “Don’t burn your bridges” can be interpreted in many ways, but in general, it means don’t ruin a relationship you’ve spent time cultivating regardless of what happens. For example, in the career world, don’t quit your job in a bad way such as cooling your feet in the soft-serve machine at the ice cream parlor you work for, or sending mass emails to all your coworkers telling them exactly what you think of them.

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Personal Finance Round-Up: Becoming Who You Want to Be

By Money Crashers

kid grow up officeYou’ve probably heard people say that anyone can be anything they set their minds to. I remember being told that in school and thinking that it was a load of bologna. People can’t just do anything; that’s not what I saw on TV nor what I read about in the newspaper. But you know what I’ve found now that I’m a lot older? You can do anything you set your mind to…

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Personal Finance Round-Up: Life Is Not a Coincidence

By Money Crashers

hands opportunityWhen something unpleasant happens and no one can be pinned as at fault, they call it a coincidence. Coincidences are everywhere – it was just chance that they happened to be there at that place and time. But when something great happens to someone, they call that an opportunity.

In my eyes there is no difference between opportunity and coincidence. You can’t control what will happen next in your life but you have to look at every situation as a way to make your life and the lives of those around you better.

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Personal Finance Round-Up: How to Get Things Done

By Money Crashers

office quietWhether you’re working for an employer or working for yourself, one thing will always remain: There is a lot to do and so little time. Even when you do find a spare moment, it’s not always easy to concentrate and get things done. And even if you get past the distractions around the web like Twitter, Facebook, and StumbleUpon, there is still plenty of work to do.

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Personal Finance Round-Up: Time for Back to School Shopping!

By Money Crashers

back to school booksI never thought I’d see the day when I’d go back to school shopping for my kids. It’s just nuts to think about the past and how fast things move. But you can’t stop and wait around, it’s time to back to school shop now!

Back-to-school shopping for junior high and up to college can include anything from the more traditional enrollment costs, lunches, sports or band equipment and big heavy books to an iPad, laptop, or digital books. For the younger kids, you may have snack costs and craft materials to cover. For both the young and old, you’ll need to get new clothes, shoes, backpacks, and gym shorts.

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Personal Finance Round-Up: Don’t Blindly Obey, Learn Then Choose

By Money Crashers

rebel graffiti wallI’ve always been one to fight against the arbitrary. In fact, I was never able to follow rules in my younger years (or now for that matter) – rules which I thought were only there to be obeyed but didn’t really serve a purpose. It’s just something that I was born with, and while it has caused me grief in life, I have grown and learned so much because of that character trait. I also now understand that some things weren’t just rules to be rules; they actually did have a purpose that I simply couldn’t see.

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Personal Finance Round-Up: Do You Know Why?

By Money Crashers

man ask whyWhy? That’s one of the most powerful questions in the English language. That simple question and the answers that may or may not follow can tell so much about you, me, and the world. The harder and more complicated, the more difficult to answer. However, not asking that question can be the most dangerous game you ever play.

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Personal Finance Round-Up: Stabilize First, Don’t Lose Your Footing on Life

By Money Crashers

pebbles unstableHave you ever been on the bank of a muddy river and tried to get out or help someone else out, only to find that the bank collapsed and you wound up right back in the water? That instability is a lot like life sometimes. There are times when we try to over-stretch our banks when we aren’t even stable there yet, and end up losing our footing and having to start all over again.

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Personal Finance Round-Up: Being Wrong Is Better Than Not Being Anything

By Money Crashers

businessman shrugIt sucks to be wrong. It sucks when your idea is shot down or dies after you put a lot of time and effort into it. It sucks when other people prove you wrong by doing the same thing you tried to do right. But regardless of how it feels, being wrong doesn’t have to be the end of the line.

In fact, if handled appropriately, being wrong is just the beginning. With greater risk comes greater reward. The more wrong you might be, the greater the reward if you turn out to be right! And that’s exactly what these entrepreneurs learned first hand in 5 Startup Failure Stories You Won’t Believe from the SohoOS Blog.

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Personal Finance Round-Up: Leverage What You Have

By Money Crashers

red house leverageThe U.S. government is in trouble – money trouble that is. We as a nation are in trillions of dollars of debt, much of that to foreign countries, which is scary in and of itself. The worst part is that we are going more and more into debt every day.

So what can the U.S. government do? I mean, the budget remains unbalanced, but to balance it would require enormous cuts like never seen before. Plus, we’d lose too much of what the government provides.

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Personal Finance Round-Up: Don’t Just Talk The Talk, Follow Through Too!

By Money Crashers

pinky promiseOne thing that became blatantly obvious after I entered the real world was that people are full of it. I don’t mean to be cynical, but I found that people in general would rather tell a white lie to end a conversation before things get complicated than deal with the situation – just like I tell the salesman at my door that “I’ll think about it and give him a call.”

Maybe I was just naive as a kid but I felt like a person’s word really meant something. It was a shock when I started getting “I’ll call you’s” that never came to be. However, those who can overcome that and actually follow through on even the most hastily given promise stand out like no other.

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The Best Of Money #108: Meet Your Personal Finance Champions

By Money Crashers

champion seaIntroducing…the 108th edition of The Best of Money!

Like them or not, the challenges of life can be extremely rewarding - they drive the mind, the body, and the soul, and push winners to the top, giving them the recognition they deserve.

Well, here are your top personal finance champions of the week.

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Personal Finance Round-Up: Forgiving Yourself for Investing Mistakes

By Money Crashers

investing piggy bank oopsI’m sure you have all heard the old saying, “To err is human; to forgive, divine.” Forgiveness is a trait that doesn’t get enough credit, and how often do we forgive ourselves of mistakes we’ve made? We make mistakes on a daily basis and that is what makes us human and what makes us grow. You should never let your past mistakes affect you in a negative way.

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Personal Finance Round-Up: Time to Turn Off the TV

By Money Crashers

watch tv man beerAs we get older, one thing that seems to be ever fleeting is time. We are constantly trying to find new ways to make up time, create better ways to make use of the time we have, and get rid of things taking up our time that we just don’t want to do. In the end though, we only have 24 hours in a day and it never seems to be enough.

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