Category: Новости
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Managing money with a new baby: practical guide to smart family finances
Becoming a parent rewires практически всё, в том числе и ваши финансы. Вдруг обычный поход в супермаркет превращается в мини‑квест: подгузники, салфетки, крем, смесь, одежда, да ещё и аренда, кредиты и сбережения. Managing Money with a New Baby: A Practical Guide — это не про идеальный Excel‑файл, а про то, как жить реальную жизнь с…
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Low-cost retirement planning for beginners: simple steps to start today
Why low‑cost retirement planning suddenly matters so much If you were 20 in 2008, you’re about 37 now, и к 2025 году уже видели два серьёзных кризиса, пандемию, вспышку инфляции и сумасшедший рост фондового рынка. Пенсии работодателей почти исчезли, государственные системы в США, Европе и ряде других стран перегружены, а продолжительность жизни растёт, так что…
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How to build a family emergency fund on a tight budget and start saving
Why a Family Emergency Fund Matters More Than Ever Реальная картина: цифры и риски A family emergency fund isn’t a “nice-to-have” anymore, it’s survival gear. Surveys by the Federal Reserve show that around 37–40% of Americans would struggle to cover a $400 unexpected expense without borrowing or selling something. For families with kids and one…
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How to prepare a budget for a startup weekend and avoid common money mistakes
Why budgeting for a startup weekend is nothing like normal budgeting If you’ve ever tried to prepare a budget for a Startup Weekend and thought, “This feels weirdly hard for such a small event,” you’re not alone. Вetween the hype, last‑minute registrations, sponsors, pizzas and random “we need this now” purchases, money leaks everywhere. A…
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The beginners guide to understanding your pay raise and what it really means
Why Your Pay Raise Matters More Than You Think Understanding your pay raise isn’t just about “more money in the bank.” It’s about decoding how your employer values your skills, how the labor market prices your role, and how inflation quietly eats into your purchasing power. Over the past decade, average annual wage growth in…
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The beginners guide to understanding your benefits package at a new job
Why Your Benefits Package Matters More Than Your Salary Most people skim their benefits brochure, look at the salary number, and stop there. But if you want your employee benefits package explained in a way that actually helps you make decisions, you need to treat benefits as part of your total compensation. Think of it…
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How to manage a familys cash flow and build stability on any income
Why Cash Flow Matters More Than “Being Good with Money” Managing a family’s cash flow in 2025 isn’t about being “good” or “bad” with money; it’s about knowing what’s coming in, what’s going out, and when it all happens. Cash flow is the rhythm of your household finances: salary dates, rent or mortgage payments, subscriptions,…
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Credit limit basics: the beginners guide to understanding how it works
Why Your Credit Limit Matters More Than You Think Back in the 1950s, when the first general‑purpose cards like Diners Club appeared, the “limit” was basically a gentleman’s agreement: spend now, pay soon, don’t overdo it. In 2025, algorithms, open banking data and AI scorecards run this show, but the core idea is the same:…
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Beginners guide to understanding social security benefits in simple terms
Why Social Security Still Matters in 2025 If you’re just starting to think about Social Security in 2025, you’re not alone. Many people ignore it until their late 50s, then panic when they realize it’s more complicated than they expected. Meanwhile, headlines talk about trust fund shortages, inflation spikes and a changing job market with…
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International taxation for expats: fundamentals, rules and key considerations
Why expat taxes feel confusing (and what this guide will do) Living abroad is exciting until tax season shows up with forms from two different countries, mysterious words like “residency” and “foreign earned income exclusion,” and horror stories about double taxation. This guide walks you through the fundamentals of international taxation for expats in a…