9 Passive Income Stream Ideas & Opportunities to Make Money

When you make a new acquaintance, often the first question you’re asked is, “What do you do for a living?” This line makes sense as an icebreaker because work occupies such a central place in our lives. If you work a standard 40-hour week, you’re devoting over 35% of your waking hours to your job – more than you can possibly spend on any other single activity.

But there are other people whose income is not tied to their daily grind – at least, not completely. That’s because they have sources of “passive income”: money that keeps rolling in even when they’re not on the job. This extra income can pay for a few added luxuries, provide a cash cushion for emergencies, and even serve as a stepping stone to financial independence.

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Cloud-Based Business Phone Systems (PBX) – Pros & Cons, Why to Switch

Longtime “Saturday Night Live” fans fondly remember Lily Tomlin’s “Ernestine,” a recurring character from the show’s formative years. Ernestine was a smug, preening phone company employee who reveled in customers’ misfortune and delighted in her own employer’s incompetence. She was, simply, the embodiment of everything wrong with the telecommunications status quo of the late 1970s.

A lot has changed since Ernestine delighted audiences. The “Ma Bell” monopoly she represented was broken up into smaller, regional companies. Automation dramatically improved line-switching efficiency and basically eliminated human operators. The cellular revolution eroded legacy landline providers’ dominance and spurred much-needed competition. And the advent of Voice over Internet Protocol (VoIP) substantially improved the performance and usability of complex business phone systems.

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Blue Cash Everyday® Card from American Express – Review

The Blue Cash Everyday® Card from American Express (a Money Crashers partner) is a no-annual-fee cash back credit card with a very generous rewards program. Blue Cash Everyday offers 3% cash back (up to $6,000 per calendar year) on grocery store and supermarket purchases, unlimited 2% cash back at gas stations and department stores, and 1% cash back on everything else. Rewards come as statement credits once you hit the $25 redemption minimum. Although applicants do need very good to excellent credit, Blue Cash Everyday doesn’t require stellar credit, as is the case with more generous cards.

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15 Best Cash Back Credit Cards of 2016 – Reviews & Comparison

When most people hear the phrase “credit card rewards,” their minds immediately turn to cash back rewards. And why not? Flip on the TV, navigate to your favorite website, or drive around your hometown and you’re bound to see an ad for a cash back credit card before long.

Cash back credit cards are popular because they provide tangible, easy-to-understand benefits. Who doesn’t like getting a credit on their monthly credit card statement – or, better yet, actual cash deposited into the account of their choice?

Not all cash back credit cards are created equal though.

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6 Common Money Arguments Between Couples and How to Deal With Them

Many couples disagree and argue, but there’s a particular subject that tends to be more damaging to relationships than others: money. A study published in 2013 in the journal Family Relations examined more than 4,500 couples and found that fights about money were a top predictor of divorce regardless of income, net worth, and debt levels.

When you’re constantly at each other’s throats about money, you and your partner lower the satisfaction you get from your relationship. Even in cases when decreased relationship satisfaction doesn’t lead to divorce, it can increase your stress levels and have a negative impact on the health and happiness of other members of the family, including your children. Understanding what you’re fighting about and why you’re fighting about it helps you and your partner come up with a way to work through arguments.

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Renting vs. Buying a House – How to Make a Decision, Pros & Cons

Given the hefty upfront costs associated with purchasing a home, most young people begin their independent lives renting an apartment. As they build careers, save money, and start families, many choose to buy a home. On the other end of the age spectrum, homeowners nearing retirement may choose to sell their family homes, downsize, and become renters once more.

Since the middle of the 20th century, the U.S. homeownership rate has fluctuated between 62% and 70%. According to CNBC, it sat at 63.4% in the second quarter of 2015, the lowest level since the mid-1960s. This decline is largely due to economic and demographic factors, such as the downsizing efforts of aging Baby Boomers, elevated housing prices in some high-population markets, and high student debt loads that prevent many younger buyers from saving enough to make down payments.

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5 Keys to Civil Political Discussions & Debates With Friends & Family

According to Professor Nolan McCarty of Princeton University, it seems that political rancor today has reached heights not seen since Reconstruction after the Civil War. A Stanford University report found that Americans have become increasingly polarized along political party lines, primarily due to “political candidates relying on negative campaigning and partisan news sources serving up vitriolic commentary.” As a consequence, the report concluded that the level of political animus in the American public exceeds racial hostility.

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20 Ways to Get Cheap Professional Wedding Photographers & Videographers

According to The Knot’s Real Weddings Study, wedding photographers and videographers cost $2,556 and $1,794, on average, respectively. That’s $4,350 – or approximately 14% of The Knot’s average wedding spend, excluding the honeymoon.

To be sure, millions of couples shell out less. My own wedding wasn’t bare-bones by any stretch, but we spent less than half the national average on professional photography and videography without compromising quality. And it goes without saying that not everyone can afford a $4,000-plus wedding media bill.

Still, there’s no way around it: Professional-grade wedding memories are expensive. If you’re fretting about how you’re going to pay for them, consider these tips for getting cheap (or at least, cheaper) professional wedding photography and videography – and seriously saving money on your wedding.

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Ultimate Foraging Guide – Edible Wild Plants & Food, Benefits & Dangers

The earliest human beings on this planet got their food in two ways: by hunting animals, and by gathering wild plants. All the food they ate was gathered with their own hands, including berries from bushes, wild greens from fields, and mushrooms from decaying trees. Through long practice, they learned to recognize which plants were edible, which were poisonous, and what could be found at different times of year.

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Fractional Ownership of Vacation Homes, Aircraft, Boats & Yachts

Have you ever dreamed of owning a vacation home in Pebble Beach, California or a mountain château in Aspen, Colorado? Rather than fighting security lines at the airport, perhaps your dream is to drive up to your plane and go wherever you want, whenever you want.

Pleasures once thought to be enjoyed only by the very rich – vacation homes, aircraft, and yachts – are possible for more people today. While the expense of ownership always exceeds the cost of renting a luxury residence for a limited period, the benefits of having one’s place – familiarity and convenience – can outweigh financial considerations. The best thing about owning an asset is that it is always there when you want to use it.

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