January 13, 2021
Mohenjo
Business, Finance, Food For Thought, Human Interest, Technical
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Dear Charlotte,
I feel guilty saying this, but I actually saved a lot of money this past year. My job allowed me to work from home, so my income was the same. But because I was making all my own food, was not commuting, and didn’t do most of the normal stuff I spend money on, my savings added up a lot. (It also helped that I stopped paying my student loan bills when the government froze them.) I currently have about $20K saved up, and I’m trying to figure out what to do with it. I’ve never been good about saving money, and I didn’t really have an emergency fund until now. Should I keep it in cash, just in case? Or should I put it toward my student loans (about $25K)? I don’t even know where to start with investing it, if that’s a good idea. I’d like to do something responsible that will help me in the long-term, and I’m not sure what that is.
This is all good news, but I understand why you’re conflicted. It’s a weird time to have more money than ever before. You’ve probably heard the pandemic economy described as K-shaped: Roughly half of Americans are in dire financial straits (the bottom prong of the “K”), while many others are actually doing quite well (the top prong) for the reasons you described. Obviously, it’s preferable to be in your camp. But how do you make the most of this new financial wiggle room, especially when there’s still so much uncertainty?
To figure out your best path forward, I called Shannon McLay, a financial advisor and the CEO of the Financial Gym, a membership-based financial-services firm. “A lot of our clients are in the same position — they have a lot of savings from the past year, but they aren’t sure what to do with it,” she said. “The bigger question is, What are you saving for? You want to define those goals. If you’re just trying to save money generally, it’s hard to stay committed in the long-term.”
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Photo: Getty Images
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December 21, 2020
Mohenjo
Business, Finance, Food For Thought, Human Interest, Technical
amazon, business, Business News, current-events, Future, Hotels, human-rights, medicine, mental-health, research, Science, Science News, technology, Technology News, travel, vacation

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Dave Ramsey, America’s most influential personal finance guru, drives a pickup truck that, he says, will eat your electric car. He wears a .45 on his hip with a hollow-point in the chamber. He is an older white male, a self-described “capitalist pig”, and an evangelical Christian who almost always votes conservative. He hates government intervention in his life – and yours.
His mortal enemy, however, is a personal debt, and he has spent the last three decades on a crusade against modern usury, in the form of credit card companies (scum), payday lenders (the scum of the earth), and debt collectors (“some good people”, but largely “complete scum”).
Ramsey believes that as long as you have one red cent of debt – credit card debt, student loans, car payments, mortgages, medical bills – you can never be free. The day you take scissors to your credit cards is the beginning of your financial salvation.
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Money expert Dave Ramsey celebrates 25 years on the radio during a SiriusXM Town Hall in 2017. (Photo by Anna Webber/Getty Images for SiriusXM)
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September 23, 2020
Mohenjo
Arts, Crime, Finance, Food For Thought, Human Interest, Made Me Laugh, Medical, missed News, Political, Science, sports, Technical
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August 27, 2020
Mohenjo
Arts, Finance, Food For Thought, Human Interest, Medical, missed News, Political, Technical
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August 5, 2020
Mohenjo
Crime, Finance, Food For Thought, Human Interest, Medical, missed News, Political, Technical
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July 31, 2020
Mohenjo
Business, Finance, Food For Thought, Human Interest, Political
amazon, business, Business News, current-events, Future, Hotels, human-rights, medicine, mental-health, research, Science, Science News, technology, Technology News, travel, vacation

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President Donald Trump’s daughter Ivanka Trump and husband Jared Kushner earned at least $36.2 million in outside income last year while serving as senior White House advisers, according to their latest financial filings, released Friday.
That’s an apparent bump in a combined income of about $7 million over 2018′s reported $29 million, The Washington Post noted. Real estate and Trump Organization hotels accounted for much of the income.
The income is reported only within very broad ranges, so the first daughter and Kushner actually reported income ranging from $36.2 million to $57 million — after deducting liabilities.
They reported a combined income of at least $82 million in 2017.
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July 9, 2020
Mohenjo
Business, Finance, Food For Thought, Human Interest, Technical
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A few years ago, when I was reporting a story on personal finance, I became fascinated by a concept that behavioral economists call the “pain of paying.” The phrase refers to the psychological discomfort experienced when parting with one’s money, and it varies by medium: At one extreme would be painstakingly counting out each penny at the register (a high pain of paying, because of how tactile the transaction is), and near the other would be credit cards (which, by postponing payment and offering rewards programs, ease the agony of depleting funds).
A lower pain of paying feels nicer, but it also tends to lead to higher spending—as research indicates credit cards do. As I familiarized myself with that research, I viewed the plastic rectangle in my pocket with increasing wariness (though it should be noted, credit cards increase spending much less if one pays off the balance in full each month, as opposed to carrying debt and racking up interest payments and fees). “The overspending induced by a credit card will, except in tandem with the most un-fun, disciplined rules, outweigh its perks,” I wrote at the time.
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July 2, 2020
Mohenjo
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April 27, 2020
Mohenjo
Business, Finance, Food For Thought, Human Interest, Medical, missed News, Political, Science
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April 25, 2020
Mohenjo
Arts, Crime, Finance, Human Interest, Medical, missed News, Political, Science, Technical
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