Javier Rubio

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21 Borderline Genius Bullet Journal Spreads For Tracking Your Finances

Get rich or bullet journal trying.

Personal Finance

I'm a financial planner, and these are the 4 factors that will determine your financial success

Financial planning can be very complicated because you have to balance all the information and changes in your life.<p>To simplify the process, here are four factors that have the biggest impact on your probability of success.<p>1. How long you work affects your retirement income<p>This is one of the …

These 9 Tax Deductions Are Going Away in 2018

Learn what the tax bill just took away from taxpayers.<p>The new tax reform bill is now law, and taxpayers can expect a lot of changes to take place in …

We've interviewed nearly 50 millionaires about how they invest their money — here are 5 strategies anyone can implement

<i>Each week on a podcast called "Millionaires Unveiled," Clark Sheffield and Jace Mattinson, both certified public accountants, interview a millionaire — someone with a current net worth of over $1 million. They ask them to share their story, investment strategies, and current portfolio …

Want to Be the Most Interesting Person in Any Conversation? Experts Say These 5 Techniques Will Work | Inc.com

You walk into a room at a social event where people are mingling and networking near the bar. In one corner of the room, something catches your eye. You notice a small crowd of people gathered around one individual.<p>She's not doing much talking, yet it appears that people are gravitating to her …

Self-help

Remembering Charles Manson's victims: Rich, famous, fringe and random

In the dearly five decades since the notorious murders stunned Los Angeles, there has been endless fascination and revulsion surrounding Charles Manson and his cult “family.”<p>And Manson did not fade quietly during his decades behind bars, but continued to make headlines with interviews, bad conduct …

Crime

The Cheapest Time to Fly to 15 Destinations That Are On Your Bucket List

CheapFlights.com crunched the numbers.<p>Chances are, you probably have a few travel destinations on your bucket list that seem like they’re never going …

San Francisco

10 questions to ask yourself before you buy — or sell — a house

Housing is the biggest expense for most American families, typically devouring a third of their budget. Are those dollars getting spent wisely? Here …

Personal Finance

25 things first-time home buyers need to do

This article is reprinted by permission from NerdWallet.<p>Buying a home can be nerve-racking, especially if you’re a first-time home buyer. Not only is …

Gift Tax: 6 Ways to Avoid Paying the IRS

Make sure you know the rules for this high-rate tax.<p>Most people focus their tax planning efforts on minimizing the amount of income tax they pay. …

Could you be living paycheck-to-paycheck after a $20 million payday?

It might be easy to shake our heads in judgment when the rich and famous struggle with money.<p>After all, they live a life of luxury when so many are just scraping by. They fly first class while we suffer in cramped coach seats worrying about how to pay the credit card bill when we get back home from …

Goodbye, Planet Nine! New And Better Data Disfavors A Giant World Beyond Neptune

It was perhaps the most exciting idea to come out of science last year: that an undiscovered, giant world exists in our Solar System, far beyond the orbit of Neptune. This wouldn’t be some tiny, frozen world like Pluto or Eris, smaller even than Earth’s Moon, but a monstrous super-Earth, perhaps …

Astronomy

YouTube Introduces Heatmaps for Virtual Reality Videos

YouTube recently introduced heatmaps for virtual reality (VR) videos with over 1,000 views. The Google-owned video site said the heatmaps will give …

This Is the Age When You Become 'Old,' According to Four Different Generations

Millennials and boomers definitely don't agree.<p>If age really is just a number, what number marks old age?<p>Well, the answer to that depends on how old …

I retired at 37 as a self-made millionaire — here's my best investing advice for your 20s, 30s, and 40s

Investing in too many things at once could destroy your wealth. Courtesy of Chris Reining <i>Chris Reining worked as cyber security programmer in the Midwest before retiring as a millionaire at age 37. The following was recently published under the "Ask Chris" column on his website.</i><p>Today's question …

10 Mortgage Rules You Should Know by Heart

Here are 10 essential pieces of information for anyone who plans to get a mortgage.<p>If you plan to buy a home and obtain a mortgage, either now or in …

A response to advances in neurotechnology that can read or alter brain activity, new human rights would protect people from theft, abuse and hacking<p>New human rights that would protect people from having their thoughts and other brain information stolen, abused or hacked have been proposed by …

Human Rights

5 Steps to Multiply Your Savings in Months, Not Years

It’s no secret that we’re a little obsessed with small-space hacks, but there comes a time when every renter grows weary of the struggle. There are …

Personal Finance

10 Podcasts That Will Make You Smarter | Inc.com

Hate your commute? Struggle to motivate yourself to hit the treadmill? Perhaps both these problems (and many more) have the same solution. Why not turn these odds and ends of unpleasant time into opportunities to learn by popping on a podcast? That's how many luminaries like Bill Gates manage to …

Self-improvement

16 psychological tricks to make people like you immediately

Maybe it's their goofy smile; maybe it's their razor-sharp wit; or maybe it's simply that they're easy to be around. You just like them.<p>But scientists generally aren't satisfied with answers like that, and they've spent years trying to pinpoint the exact factors that draw one person to …

7 things Tony Robbins says you should do with your money

In fact, many people are still reeling from the 2008 financial crisis. Meanwhile, the U.S. is experiencing historically low interest rates, and some countries even have negative interest rates.<p>That's enough to make anyone feel uncertain. But Tony Robbins is convinced that you can be unshakeable …

Transfer money, search more accurately, or engage with your appliances: tips and tricks to enhance and customise the world’s most popular webmail service<p>Want to see more of your inbox at a glance? Click the cog-wheel at the upper right of the Gmail web interface, then select “compact” to reduce the …

Apps

How to Invest: When You’re Just Getting Started

By<p>Feb. 9, 2017 4:47 p.m. ET<p>Wall Street has an odd way of trying to get your business. The dizzying array of investment choices, mind-numbing jargon, …

The 5 Secrets of Today's Billionaires (And What They Have to Teach You About Producing More With Less) | Inc.com

The world today is different in many ways, one key way is how the most successful business leaders have learned to break the chain between one hour of time worked and one unit of value created.<p>Time cards and grueling days don't help business leaders create value. We create value by what we do with …

Self-improvement

8 Tips to Become a Millionaire This Year

Becoming rich has more to do with restraint and tenacity than it does brilliance or luck.<p>Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>Millionaire. It’s a title that plenty of us would love to have. But, is that actually feasible?<p>Believe it or not, becoming a millionaire is a goal …

How HSAs Can Boost Your Retirement Savings | Investopedia

What makes an HSA so great?<p>The health savings account, or HSA, is an account intended to fund medical expenses that provides you with the best of all …

4 Things You Must Do to Achieve 7% Body Fat

1 of 5<p>The Plan<p>If it’s a flat belly, a better all-around diet, and a stronger heart you’re after this year, we’ve got you covered. But if you’ve got …

A guide to radically improving your life and career in 31 days

Now that you have a glimpse into your own plan, a fair warning: It's not a quick fix. And it's not about you.<p>It took years for me to develop the understanding that life is really about giving, service, and meaningful relationships.<p>If you're still with me, these things have reshaped my path as …