Category: Wealth

Image source: Pexels Most people think retiring well takes either a six-figure salary, a financial advisor on speed dial, or an early inheritance. But what if the real secret to retiring comfortably isn’t more money but a better strategy? The truth is, some of the smartest retirement moves sound like loopholes. They’re completely legal, yet…

Refinancing your mortgage can help you lower your monthly payment, reduce the total interest you pay, or free up cash for other goals. But the process comes with costs—some expected, others easy to overlook. In this guide, we’ll break down exactly what those costs look like, what affects them, and how to decide if refinancing…

relationship Image Source: pexels.com When you’re dating, getting swept up in the excitement of a new connection is easy. But sometimes, what feels like love is actually something else—a self-centered relationship where your partner’s interests always come first. Recognizing the signs early can save you from heartache, wasted time, and even financial loss. You’re not…

“The easiest thing to do would be: ‘I need additional compensation outside of the benefit package to buy my own private health care,’” he said. “So maybe, you negotiate and say, ‘My expenses are too high, my dental expenses are really high. This plan isn’t covering me sufficiently for what I need.” Usually, any plan…

Here’s my monthly survey of the best interest rates on cash as of June 2025, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of our idle cash, and you can often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit…

Most people have been misled to believe that self-made millionaires are endowed with some discipline-superpower that renders them immune to failure and adversity and supercharges them with incredible grit, determination and perseverance. That, I learned from my Rich Habits research is patently false. Self-made millionaires have no more discipline than anyone else. Self-discipline is powered by willpower.…

Thinking about refinancing but don’t want to shell out thousands in upfront fees? A no-closing-cost refinance sounds like a win—but there’s more to it than meets the eye. Instead of paying fees at the closing table, you’ll either accept a higher interest rate or roll the costs into your loan. It’s a smart option for…

Home Once considered a relic of the past, wallpaper is experiencing a vibrant resurgence in home design. Thanks to modern materials, bold patterns, and easier application methods, wallpaper is now a favorite among DIY enthusiasts and interior designers alike. From cozy cottages to sleek urban apartments, this classic decor element is redefining spaces with personality…

The central bank opted to keep its overnight lending rate—which is used by lenders to set their prime rate and, by extension, variable mortgage rates—at 2.75%.  This is the BoC’s second consecutive rate hold, following a rate pause on Apr. 16. Prior to that, the BoC had steadily decreased its rate via a series of…

Image source: Pexels If you’ve ever been surprised by a medical bill that Medicare didn’t cover, you’re not alone. Millions of Americans believe Medicare is comprehensive…until they get hit with out-of-pocket costs, denials, or vague “not covered” notices. The truth is that Medicare is complex by design, and navigating it often feels like decoding a…