Javier M.

233 Flips | 3 Magazines | 2 Likes | @javtcm | Keep up with Javier M. 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 “Javier M.”

A Financial Survival Guide for the Next Recession

Seeing my own mother struggle through the last recession made me want to be sure I'm prepared for the next one. So I talked to some money and career experts to find out how to recession-proof my life.<p>Miami real estate agent Karen Hollihan remembers the 2008 stock market crash all too well. “When …

Personal Finance

I make $200,000 a year in passive income after retiring at 34, and it works only because I followed 5 steps

Ever since landing my first job post-college in 1999, I've been determined to build enough passive income in order to not have a job. A future that included getting into work by 5:30 a.m. and leaving after 7:30 p.m. each day for decades seemed too brutal to endure.<p>In 2009, I decided that if I could …

Real Estate

What Does a "Second Mortgage" Really Mean?

You'll often hear the term "second mortgage" come up when watching a movie or TV show when a character isn't in a great financial standing. "They had …

Personal Finance

Top 10 Yoga Poses To Reduce Stubborn Belly Fat For Good

Stomach fat can be one of the most difficult and stubborn areas of your body to burn off. Most of the times, a big fat tummy is the first thing …

Yoga

How I ditched debt: Smart solutions helped man pay down $95K in 5 years

<i>In this series, NerdWallet interviews people who have triumphed over debt using a combination of commitment, budgeting and smart financial choices. Responses have been edited for length and clarity.</i><p>Cameron Merriman<p><b>How much:</b> $95,000 in 5 years<p>Getting an MBA was the “stupidest decision” of Cameron …

Personal Finance

How To Become A Better Speaker Like Steve Jobs, Suze Orman, Dave Ramsey and Tony Robbins

Speaking is the No. 1 strategy for attracting high-paying clients.<p>But what is your speaker style? Are you a presenter like Steve Jobs, Suze Orman, Dave Ramsey or Tony Robbins?<p>“Your audience doesn’t want to know everything you know, they want to know what to do with the information you present,” …

Self-improvement

Sharpen and care for your kitchen knives

If you bought a nice knife for your kitchen, congrats! You took the first step toward making cooking easier and more enjoyable. But, don't stop there -- a good knife deserves careful maintenance, like sharpening and honing.<p>After a few weeks of use, new knives will become dull, forcing you to apply …

Knives

From Here on Out, I'll Never Travel Without This Holy-Grail Acne Blaster

How is it that the universe always knows (and preys upon) the most inopportune time to bestow an otherwise clear complexion with the most gargantuan …

Skin Care

How to Get Rid of Your Acne Scars

Few skin conditions torpedo self-esteem the way acne does. As it turns out, a face full of painful lesions—not to mention unsolicited, tone-deaf …

Skin Care

5 Simple Ways to Master Emotions When People Push Your Buttons

Learn to manage your anger before it manages you.<p>Ever let your temper get the best of you? Been there. It's virtually impossible not to get triggered by something or someone especially when working with difficult people. But as any good leader will attest, we're human and we all have our …

Emotional Intelligence

We Paid Off $147,000 in Debt in 3 Years. Here’s How We Became Financially Free

"It became like a game to us."<p>Jessie and Josh Boyce had secured the best-paying, most stable careers they’d ever had when they moved to Florida in …

Personal Finance

5 Ways To Get Rid Of Skin Tags Without Having To Go To The Dermatologist’s Office

<b>* Skin tags are caused by skin rubbing against itself</b> <b><br>* While harmless, the growths can be unsightly</b> <b><br>* Removal of skin tags can be accomplished using</b> …

10 expensive habits you can, and should, break today

Breaking bad financial habits can get us closer to meeting our goals. Learn how habits you might be guilty of are impacting your finances and how to …

How one retired Millennial made more than $60,000 in passive income last year

You can take the woman out of work, but you can’t take the work out of the woman. At least, that’s the case for J.P. Livingston, who retired at age …

9 things that seem like a good investment but are actually losing you a ton of money

Whether you're new to investing or have been at it for decades, deciding where to put your money requires careful consideration. What appears to be a promising investment could actually turn out to cost more money than it's worth — or even cause significant financial losses.<p>Business Insider asked …

Personal Finance

Make extra money with one of these 14 digital side gigs

This article is reprinted by permission from NextAvenue.org.<p>Looking to make some money or start a side project? The internet is full of voices …

Selling

3 Top Dividend Stocks With Yields Over 4%

Physicians Realty Trust, Oaktree Capital Group, and Enbridge are three solid companies with dividend yields you shouldn't pass up.<p>There are plenty of …

How This Couple Saved $1 Million in 11 Years and Became Financially Independent Before 40

They aim to spend just $2 on every meal.<p>Convenience drives American cuisine, and from her kitchen in Richmond, Va., Laura Barrett has put her own, …

Go Ahead, Skip that Networking Event

We’ve probably all been to at least one networking event, those initially promising but inevitably awkward meet-ups where most people arrive hoping to meet new contacts that can further their career — but end up stirring their drink in the corner of the room chatting with someone they already …

Networking

Learn how to become a freelancer by taking these online courses

Do you want to set your own work hours? Are you tired of working a full-time job and answering to others? Does the idea of working 9 to 5 for the …

Employment

4 Reasons Not to Save in a Roth IRA

Roth IRAs aren't always the way to go. Here's why.<p>Workers who don't have access to employer-sponsored retirement plans can choose to fund IRAs …

Retirement

3 Reasons to Retire as Early as You Can

Are you forgetting about one of your most valuable assets in life?<p>Time is one of the most valuable assets at your disposal. Unfortunately, many …

Retirement

I'm a financial adviser who works with the richest families — here are the 8 things I make sure every teen knows about money

For most teens, financial planning is a topic far from top of mind.<p>School, sports, and social activities take priority while managing credit, creating a budget, and saving for retirement feels like a long way off. That said, life hits you pretty fast and before you know it you go from being a …

Personal Finance

How Much You Should Have Saved (by Age) | Investopedia

Knowing how much you should have saved toward retirement at each stage of your life will help you answer that all-important question: “Have I put …

Candice Swanepoel - Supermodel Victoria's Secret

101. Hire an accountant

Without skipping your daily Starbucks run.<p>By <b>Alicia Adamczyk, Kaitlin Mulhere, Elizabeth O’Brien and Kerri Anne Renzulli</b><p>We’d all like to finish next …

7 Key Tax Moves to Make Before Year End

With Congress debating sweeping new tax legislation, you might be tempted to make some financial decisions before the end of the year in anticipation …

Retirement

2018 tax brackets released, but subject to change

Here's what you'll need to know -- with one big if.<p>The IRS gives taxpayers a couple of months of lead time every year in telling taxpayers what the tax brackets will be for the coming year. Last year, there was a lot of uncertainty about whether the pre-released 2017 tax brackets would actually be …

Retirement

Here's how your spending habits compare to those of the typical American

If you have no idea how much you spent on food, transportation or online shopping last year, you're not alone: Only one in three Americans track their expenses.<p>If you're among the majority, it may be time to look at where your money is going and how much of it is leaving your pocket. Chances are, …

Personal Finance

Ferrari CEO: Wall Street Loves That We Have Created an Exclusive Supercar Club

Ferrari (RACE) isn't just a car company, it's a lifestyle brand CEO Sergio Marchionne told TheStreet in an interview.<p>"I think it has been confirmed …

Wall Street