Social Security (SS) benefits belong to the workers who paid into the system. The United States government has given the citizens the ability to choose when they retire. Should you tap your Social Security benefits early?
In many ways, it seems like everyone would want to tap their government benefits as early as possible. So why don't they? Choosing when to retire is a very complex decision.
Many individuals today are struggling with high expenses and may be having trouble making ends meet. For some, it is a regular battle each month to find funds available to pay all of the bills that pile up in a mailbox. Others may be falling farther behind each month because their spending exceeds their take-home income. If you can relate to these financial challenges, it may have crossed your mind that your city may simply be too expensive for you to live in.
As news reports started coming out last year that insurers and healthcare providers were tracking and analyzing individual's spending data, a lot of people were immensely shocked. This personal data is accumulated from various sources, oftentimes without prior knowledge or permission. Knowing that our personal spending behaviors are used to assess health concerns, risks, and more seems invasive and intrusive in our freedom and rights to privacy. The truth is that some privacy laws will protect us, but our information is out there.
Throughout human history, men have provided for the women. This trend is evident in all records of ancient hunting-gathering societies, so it is not likely to be circumvented any time soon. In evolutionary terms, the top indicator of being an alpha male has always been an ability to support and shelter women. And in more recent times, men have earned higher wages so as to “provide” for the family. In general, this is why men are expected to cover first date expenses.
Obamacare has been one of the central topics of Obama’s presidency. And now with the healthcare deadline approaching on February 15th, everyone is scrambling to apply and get covered. That’s because if you do not have a healthcare plan by the deadline, you will be charged a penalty when you file your income tax for 2015.
As Valentine's Day quickly approaches, it's a good time to start planning your night so that you can be one of the people saving money when all is said and done. Failure to plan out your night in advance can cost you big. You'll likely have to pay more to get flowers, you won't have the best selection of affordable restaurants and you might find yourself paying extra to get your special someone the gift she wants.
What makes a shopper decide to buy one shirt over the other or a box of chocolates in addition to the fresh produce they planned to buy? Cravings and desires all stem from one thing: emotions. Emotions are defined as a 'natural instinctive state of mind deriving from one's circumstances, mood or relationships with other people.' Common emotions include fear, anger, sadness, joy, trust, surprise and anticipation. Each of these can affect the way you manage your money.
There has always been quite the dichotomy between the upper and middle class, and this was only reaffirmed by by the most recent study done by the University of Pennsylvania’s Alliance for Higher Education and Democracy and the Pell Institute for the Study of Opportunity in Higher Education. The study showed that the difference between the college graduation rates of the rich and the poor is staggering.