Is your household budget in line with the national averages? There’s no harm if it’s not, but most working adults like to know where they stand. It’s the same reason nearly everyone clicks the Show Averages button at the end of their tax software process. There’s more than curiosity behind the desire to examine US tax and personal budget data. By doing so, people can gain insight into where they might need to make a few changes. If you discover that your rent expense is 50% above the norm, it’s probably a good idea to dig a little deeper into…

Your first year of college is not only exciting, but quite transformative as well. It’s a time of personal growth, marking the beginning of a new chapter in life. It’s also a time where most freshmen realize that becoming a college student isn’t always as great as they thought it would be. In addition to learning how to navigate academic hurdles, you might find yourself having to find ways to balance school and work, and this is in addition to finding time for yourself. As a freshman, it’s important to plan ahead to make your first year as successful, not…

What does it mean to prepare yourself for long-term success as a trader? It means doing all those necessary tactics that come first before putting any money into a single transaction to get started. Unfortunately, far too many market enthusiasts don’t make the necessary time to get ready. It’s understandable that people become filled with enthusiasm and want to get into the exciting world of buying and selling securities of all kinds. Human nature is a powerful force, but sometimes it can work against a person’s best interests. What’s the solution to this age-old dilemma? The answer lies in setting…

Are you a teacher, tutor, community volunteer, school administrator, or another kind of educator who would like to positively impact students or others under your supervision? It’s a worthy and noble goal but one that can sometimes seem elusive. The good news is that even in today’s challenging learning environment, there are several effective techniques that can produce measurable results. Individuals from all walks of life sign up with local charities to tutor adult learners. Others assist young people with college financing by cosigning on student loans, acting as mentors for teens and fellow teachers, creating no-cost online courses in…

If you’ve ever felt unsafe online, you are not alone. In 2021, internet users worldwide discussed their fears of online security (or lack thereof) through a survey. About 66 percent of respondents said they feared identity theft. Of these online users, only 57 percent were confident about the security measures they took to protect themselves against identity theft. This article provides a deep dive into some of the online threats and top security tips that online users can follow to stay safe online. Online Threats to Watch Out For Learning about cybersecurity can be very overwhelming for people because of…

Putting up and running a business amidst recessionary headwinds can be scary. That’s why growing cash reserves should be your top priority. It helps you sustain and expand your operation even when incurring net losses. One way to do that is by borrowing from financial institutions. But due to high-flying interest rates, reinvesting a part of your capital can be helpful.  The stock market is one of the most popular options for individuals and business owners. However, you may hesitate to enter as the market remains bearish. Even so, many stocks are durable enough to withstand the blows of economic…

The internet has altered the way we work, play, and communicate. But it’s also introduced new challenges that many parents aren’t prepared to address. Digital citizenship is one of those challenges — and it’s a big one. What Is Digital Citizenship? Digital citizenship means using social media responsibly and respectfully, following online laws and regulations, and being respectful to others online. The objective is to help kids learn to use technology to enhance their lives rather than hurting themselves or others. Do you know how you’d treat someone if they were standing right next to you? That’s precisely how you…

Are you a full-time worker worried about the current recession’s long-term effects? If so, you are not alone. Many hard-working adults are concerned about the recent worsening of the economy, particularly the record high rate of inflation, sagging stock market, soaring gas prices, and shortages of common grocery items. Is there a way to fight the potentially negative effects of the current recession?  The good news is that consumers can do plenty to ward off the worst of the worst. In many cases, it’s possible to make a few painless lifestyle changes that take the sting out of super-high grocery…

If you have found inflation is causing your money to be spread a bit thinner than you would like, you are not the only one. Many people are finding their finances are in worse condition than before prices rose so high. If you are feeling concerned about the state of your money, there are steps you can take to adjust your money a bit. Deal with Student Loan Debt If you still owe money from school, you could consider getting it refinanced. As interest rates rise, it becomes more expensive to borrow money, so this is a great time to…

If you polled business owners from a wide range of industries about what they wanted most from their employees and their operations, chances are one of the most common answers would be productivity. These days, it is all about how to get to the finish line in the most sensical way. Owners and managers want to ensure that targets are being met, while employees want to ensure that they are prioritizing a work-life balance. Both desires are important for a successful business and deserve attention. Compared to the start of the COVID pandemic, many would argue that the business landscape…