Finance

As people age and reach retirement age, their financial needs and priorities often shift. Many senior citizens rely on fixed incomes, such as social security, pension payments, and investments, to cover their expenses. However, it is important for seniors to remain financially savvy and make smart financial decisions to ensure a stable and secure future. This can include budgeting, maximizing …

Evidence-based investing is a style that bases choices on the use of data-driven analysis and empirical evidence. The foundation of evidence-based investing is that investment decisions should support by objective, verifiable information, and data rather than relying on biased opinions or subjective judgments. Some of the key principles of evidence-based investing include: The use of empirical data and analysis to …

Dealing with taxes is something almost everyone dreads doing. We’ve been taxpayers for a long time, but there are still things one might miss if they do not inform themselves. These scenarios are unfortunate but understandable. Taxes can be confusing. Crunching the numbers while keeping your documents organized is time-consuming. Keeping receipts can be a hassle. Aside from understanding the …

Are you a VAT taxpayer and have a lot of questions about how it works? This brief guide will help you deal with this issue step by step. You will understand this in an easy way. Fears and worries will be a thing of the past. You will understand from what amount of income you need to register with the …

Owning a credit card is advantageous on so many levels. You can get cash backs, earn reward points, build credit for future loans, conveniently pay for online shopping, and get a grace period when paying for your purchases or bills. For these reasons, more people are using credit cards to complete their transactions instead of the traditional cash payment method. …

Blockchains are made up of a network of computers that enforce consensus rules. This acts as the system’s main governing mechanism, which determines what you can and cannot do. When new data is recorded onto the network, it is saved as a block that forms a continuous chain copied across all computers on the system. Modern blockchains have an important …

Capital One has produced a useful guide to help people understand their credit score. This visual infographic provides tips and advice on credit scores while answering frequently asked questions on the topic. Credit scores can have a big impact on people’s financial lives. A good credit score demonstrates you are responsible with your money and can help when applying for …

If you are an OFW who has spent years abroad to support your family, you should not overlook the importance of preparing for the future–your retirement. Retirement planning matters. Remember that you won’t be in your prime forever and there will come a time when you have to slow down and embrace your senior years. The question now is, will …

If you’re a freelance artist, here are a couple of tips and tricks that every freelance artist should employ: Build your portfolio across different domains and projects. Make sure you have a set of base rates that you can refer to for proposing to clients. Avoid distractions and spend time improving your skills. Use watermarks when submitting freelance job websites. …

There can be quite a lot of confusion around debt payoff methods. There are pros and cons of both the Snowball method and Avalanche method. Though we provide all the facts and details when it comes to selecting a strategy, it really comes down to you and your specific financial situation. But you can also use these strategies together, depending …