Luis Chaves

117 Added | 29 Magazines | 4 Likes | 1 Follower | @LuisChaves4qr4 | Keep up with Luis Chaves on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Luis Chaves”

Here's Why You Shouldn't Pay Off Your Mortgage Early

Eager to get rid of your mortgage? Think twice before paying it off ahead of schedule.<p>More than half of Americans own their homes rather than rent, …

Retirement planning: Here's how much money you should have saved at every age

When it comes to savings, Americans are falling short. Nearly 70% of adults have less than $1,000 in their savings accounts.<p>Retirement funds are looking equally bleak. In fact, about half of US families have zero retirement account savings.<p>"Particularly the younger generation likes to think, 'I'll …

Retirement

Quantum Entanglement Benefits Exist after Links Are Broken

“Spooky action at a distance” is how Albert Einstein famously derided the concept of quantum entanglement—where objects can become linked and …

Quantum Mechanics

Advanced Algorithms: A Free Course from Harvard University

From Harvard professor Jelani Nelson comes "Advanced Algorithms," a course intended for graduate students and advanced undergraduate students. All 25 …

28 Phrases the Most Likable Employees Use at Work | Inc.com

You think words matter? According to a CareerBuilder survey, 50 percent of employees believe turnover would go down if managers simply recognized their efforts more frequently.<p>That brings up some obvious questions. Do you compliment your workers for doing good work? If so, how often? And if you're …

Employee Engagement

Dubai Sets Its Sights On Becoming The World's First Blockchain-Powered Government

Dubbed as the “city of the future”, Dubai, which plans to have robot cops, flying taxis and autonomous vehicles on its roads in coming years and appointed a minister in-charge of Artificial Intelligence recently, is planning yet another transformation: to become the world’s first blockchain-powered …

Blockchain

Retirement Strategy: Yes, You Can Retire With Less Than You Think

Contrary to the scare tactics of the experts, you might not need as much as they want you to think you need to retire.<p>If you set your mind to it, you …

Retirement

Blockchain will change the advisory business—someday

Those questions are bound to increase now that the Vanguard Group, one of the world's leading asset managers, has announced it will begin using …

Breakthrough: Some cases of schizophrenia and bipolar caused by autoimmune disease

- Imagine being on an emotional rollercoaster of ups and downs or waking up one day and you start hearing voices, think someone is chasing you, and …

Here's everything you need to know about blockchains, the ground-breaking tech that could be as disruptive as the internet

From a 'castle' full of bitcoin millionaires to the initial coin offering (ICO) craze, it's hard to escape the chatter about how some people are building their fortunes off the new world of cryptocurrencies. But behind those cryptocurrencies sits a technology called blockchains, which some people …

Blockchain

How Blockchain Is Creating a New Future for Digital Marketing

The transparent nature of blockchain data will allow companies and customers alike to feel more secure.<p>Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>Advertising today is a multi-billion-dollar industry. And, according to market research company Forrester, digital marketing …

Blockchain

3 Retirement Statistics That Should Scare You

Why is $1,386 such a frightening number for retirees?<p>No matter how old you are, retirement is probably on your mind. This doesn't mean spending your …

I'm a financial planner, and I don't care if you spend a fortune on lattes — here's what I do care about

We've all read articles about the best way to take control of our budget is to simply quit spending money. Stop buying that latte every morning. Stop eating out at restaurants. Stop taking those expensive vacations.<p>This is normal and I think there is some truth in those messages. We are bombarded …

Personal Finance

Finally, a Retirement Calculator That Might Help You Retire

Am I on track for retirement?<p>It’s a simple question. But to answer it accurately and make sure you don’t outlive your money, you need powerful data …

Retirement

Fintech means Blockchain? Is there anything else?

Blockchain technology is just about the first thing that comes to mind whenever a discussion centers on the topic of fintech innovations. The …

Artificial Intelligence

How blockchain will finally convert you: Control over your own data

In the past few years, blockchain has developed an unrivaled reputation as the next big thing for the decentralized internet. Startups have absorbed billions of dollars from traditional funding and token sales to develop software and proof-of-concepts that employ blockchain to fix many of the …

The only 3 financial rules you need to get rich

Everyone defines financial success differently. For some, it may mean an early retirement — by the time you turn 40, perhaps — or having enough money …

Hate Paying Income Tax? These 7 States Don't Have Any

If you're tired of paying state income taxes, check out some of these places.<p>Nobody likes paying taxes, right? While many U.S. states have rather …

Retirement

Here are 200 Excel shortcuts that'll make your life a lot easier

Each workbook acts as its own separate window on your PC or Mac, while each worksheet acts as a tab within a workbook with separate cells.<p>This section of the Excel Guide offers all shortcuts you need to open, navigate between, and control all of these options.<p><i>Courtesy of GoSkills.</i>

Analytics

5 personal money numbers everyone should know to check their financial health

You might know your weight and your (pre-tax) income. But how much do you really know about your full financial situation? Your salary and monthly …

Personal Finance

My top 30 documentaries

David Attenborough

Moving Patient Data Is Messy, But Blockchain Is Here to Help

This morning, Senate Republicans moved Rep. Tom Price one step closer to the highest office of public health, rolling over a Democratic boycott in …

Claim This Deduction for Your Small Business to Avoid Leaving Money on the Table This Tax Season | Inc.com

It's that time of the year, and we wouldn't blame you if you tensed up knowing that tax season has arrived, because for some small business owners, it can be a daunting few months.<p>But the 98 percent of American firms that fall under the definition of a small business don't necessarily have to fret …

Small Business

Use Your Credit Card Bill as a Wake-Up Call to Evaluate Your Spending

Here’s a little exercise for you to try out. Take out your latest credit card bill from your most frequently used credit card. Print it out if it’s …

When Does It Make Sense to Contribute to a Roth 401(k)?

How to Make the Roth vs. Pre-Tax 401(k) Decision<p>Updated April 12, 2018<p>Saving for retirement is an important step to take on the path to true …

Retirement

How to Give a Killer Presentation

Presentations have become an enormous part of the way we work today. For some it means turning up to seminars and conventions to share our company’s …

See for Yourself If Obamacare Increased Health Care Costs

Companies took advantage of these lower-cost and flexible plans. Third, home health care took off, growing by 32.5 percent a year.<p>Between 1983 and …

Op Ed: The New Age of Blockchain Entrepreneurship

As the new year approaches, many aspiring entrepreneurs may consider taking a leap into the world of Bitcoin, blockchains and distributed ledger …

Entrepreneurship

The Budgeting Methods Smart Finance Bloggers Swear By

Maintaining a budget is one of those things everyone knows they have to do, but not everyone actually understands how to do it (or rather, how to do …

Personal Finance

Under Control: Best practices in contractor cost management during turnarounds

In today’s economic environment, there is increased pressure on turnaround project teams to get plants back in full operation as scheduled, on time …