As the competition in workforce grow stiffer by the minute, more and more seniors are leaning toward entrepreneurship as their means of income before and during retirement years. It’s quite understandable though, as starting/maintaining your own business gives you more control and if you’re really, really good at it, stability—things that you cannot be certain when employed to a company. However, starting a small business can be complicated, and can [...]

We seniors spend a lot of time saving for our retirement and hopefully be able to leave a “handsome-enough” amount for our beloved ones to share when we are gone. Unfortunately, naming your beneficiaries might be the most overlooked part of your estate planning as we usually tend to forget assessing who gets what and what goes to whom. Naming your beneficiaries is more than just appointing the “lucky one”. [...]

Whenever I go for a pure, leisurely walk, I make sure that I only have enough money in my pocket to buy me some food when hunger strikes and enough pennies to get me home—if and when my knees act up. I don’t bring an awful lot of stuff especially when I have a mall to stroll in mind. Why? Because it’s a jungle out there, full of so many [...]

There have been left and right lay-offs and job termination these days. Unfortunately, seniors are no stranger in this situation as survey would show if there’s one group who gets the first blow of axe, it would be the seniors’ group. There are many reasons why companies would rather see their seniors go than take advantage of their expertise, one of them is the higher fees the company has to [...]

It seems like now people are given a lot of options but lack in much needed education. Yes, we’ve heard their marketing pitches, usually from people who would earn something in return if they’re able to get us on the bandwagon. What these people fail—or intentionally fail—to tell us is the downside of using these plastic cards. However, they tend to exaggerate its “greatness”, sometimes bordering to lies, which sadly, [...]

These things are done now and although there were horror stories associated with it, successful ones outweighs them a ton. Every year, billion of dollars were spent online such that banks the world over have now set up their own banking system online, enabling their members to access their bank accounts online and seek help from there when needed. Indeed, technology has provided an extremely convenient way for most of [...]

There will come a time in an adult’s life when he or she will start thinking of retirement. With it, you start preparing your nest egg which will support you during your retirement years and hopefully be able to afford you your luxuries in life. Your nest egg and how much should go into it is an essential part of preparing and planning for your retirement. You build it, let [...]

Saving money is not an issue too puzzling to understand. We all know how to do it, we can even go as far as creating a doable plan which suits our lifestyle best—and even put it to practice once in a while. However, it’s quite hard to actually stick with the plan especially if you’re not trained to do that at all! I’ve read from somewhere that saving is so [...]

I’m never good at bookkeeping! I can never understand those ledgers that need to be filled up with dizzying numbers even if my own life depends on it! I would rather pay somebody to do it for me if I have the money. I even went as far as looking for ways to “outsource” it i.e hiring somebody from afar to keep tabs for me—again, if only I have that [...]