You scroll through your e-mail inbox in disgust. Once again, it’s full of spam. Lately, it seems, you’re getting so many of these fake e-mail messages that you can barely find the few real ones. Unwanted commercial email, messages, and robocalls – better known as spam – is a nuisance at best. At worst, it’s a way to
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Suppose you’ve got a leaky toilet in your bathroom. After trying without success to repair it yourself, you call a plumber who gets the job done in an hour. Normally, this would leave you with a hefty bill to pay – anywhere from $45 to $150 for that one hour of work. But in this case, there’s no
Think for a minute about what you have in your pockets or purse right now. Some of it is probably junk, like old gum wrappers. But some of it is useful stuff you carry every day. If you’re like most people, you probably have a wallet, a phone, and a set of keys. And, depending on
The Fair Labor Standards Act of 1938 is one of the most important federal employment statutes on the books. It governs employers’ obligations and employees rights’ around such issues as minimum wage, overtime pay, child labor, and labor costs in general. Wittingly or not, thousands of American employers run afoul of it each year. If you’re
Whether you’re purchasing a prefab dwelling, building a new construction home, or planning to fix up an older house, you’re probably excited about the prospect of closing the deal and moving in. Not so fast. Buying a home is an expensive proposition – the biggest investment that most families ever make. While you aren’t required to cover the
One of the perks of living a frugal lifestyle is that it’s also a greener lifestyle. For example, when you bike to work instead of driving, you buy less gas and also produce less air pollution. Likewise, when you buy and eat less meat, you lower your grocery bill and also save fuel, water, and other resources. And, by getting
Discover it® Student Cash Back is a popular student credit card with a solid cash back rewards program and some nice value-added benefits for current college attendees. With the same baseline 1% cash back earnings and 5% cash back in quarterly rotating categories (subject to a $1,500 quarterly spending limit), it’s very similar to the flagship
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
The term “financial independence” gets thrown around a lot in personal finance articles and blogs, and not everyone uses it the same way. To some people, financial independence simply means earning enough to pay your bills, so you don’t have to depend on help from your family or the government. To others, it means being
Sometimes it appears that everything just keeps getting more and more expensive. That’s certainly the impression you’d get from reading the news – every time you open the paper, it seems, there’s another story about how to cope with the rising costs of food, education, or healthcare. But if you dig deeper, you can actually
We may think that an ever-advancing, high-tech society means our standard of living is improving. However, many people insist that the present-day quality of life isn’t what it used to be – at least not for the middle class. This is because it doesn’t always matter whether people earn more money than in years past
Maybe your personal budget isn’t as generous as you’d like it to be. Perhaps you’re getting tired of your nine-to-five grind. Or maybe you just want to earn some extra spending money. There are plenty of side hustles for folks in your shoes, from legitimate ways to make money from home, to part-time and seasonal jobs that put cash in your