Spin your radio dial, download a podcast or sit down at your next corporate gathering and you’ll have no trouble finding a self-styled financial guru to tell you what to do with your money. What you may not know: Financial experts, even those with bulletproof credentials, may be trying to sell you something. When David…
“Folks spend what they make, and maybe more,” said Mike Lord, chief executive of the North Carolina State Employees’ Credit Union, which for years has offered credit-builder loans to its members to help them avoid payday lenders. Credit-builder loans offered by many credit unions typically make at least some of the money available right away,…
“We came out not any better than we had been before,” Ms. Hobert said, describing a “mess” of six insurance policies and a collection of pensions and stock and bond accounts handled by different advisers. “We had all these pieces but we really didn’t know what we would have in retirement and wondered, ‘Are we…
Here are some questions and answers about credit card bonuses: Do I have to report card bonuses as income if I don’t receive a Form 1099? You should. While the card company must send out the form for payments to an individual that total $600 or more, a bonus is considered income even if it’s…
We can’t track knowledge work the way we did factory work. Production-line metrics aren’t useful for a lot of the work that requires only your mind. The language is wrong. The whole paradigm is wrong. Knowledge work is much more about the quality of the thinking than the quantity of the output. Professional runners have…