Joel Lozada

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This Japanese Budgeting System Could Be the Key to Saving Big Bucks

Forget apps that track your expenses for you. Forget Excel spreadsheets that require meticulous data entry. Forget email notifications of your bank …

Personal Finance

What You Need to Know About Working While Collecting Social Security

For many older workers, the opportunity to collect Social Security before you fully retire, while still bringing in a paycheck seems like a boon. You …

Retirement

5 books that will help you reach your financial goals

This article is reprinted by permission from NerdWallet.<p>If you’ve already forgotten about those New Year’s resolutions, here’s an easy way to check …

Personal Finance

I tried the 10/10/10 Method to make decisions like Warren Buffett and Ray Dalio — and it's completely changed the way I view choices

<i><br>"I can calculate the motion of heavenly bodies but not the madness of people."</i><p>Those words are often attributed to Isaac Newton. They may evoke a chuckle, but they get to the root of a problem faced by us all — irrational behavior.<p>Making decisions is one of keystone actions we all take on a …

Self-improvement

If You're Too Busy for These 5 Things, Your Life Is More Off Course Than You Think | Inc.com

Despite turbulence and other conditions keeping airplanes off course <i>90 percent</i> of flight time, most flights arrive in the correct destination at the intended time.<p>The reason for this phenomenon is quite simple -- through air traffic control and the inertial guidance system, pilots are constantly …

Self-improvement

What’s The Best Way to Finance a Rental Property?

Investing in a rental property is a smart move — we can all mostly agree on that. But, how should we go about financing a rental property? That’s the …

How To Really Get Things Done?

Why You Need To Understand Utilization If You Want A Good Credit Score

Obtaining a credit score above 750 makes life cheaper. You will be able to obtain mortgages and auto loans at the lowest possible interest rates. Having a good credit credit score can even be more important than avoiding a DUI to get the lowest auto insurance rates. In recent years, many very smart …

Personal Finance

10 Ways to Go From Millennial to Millionaire

<i>By Stefanie O'Connell, Contributor</i><p>With record student loan balances and rampant underemployment, millennials have largely become known as the recession generation. Despite low levels of income and a median net worth below that of their predecessors, a 2014 report from The Shullman Research Center …