Weekly runs to Costco bring to mind crowded parking lots, parents and kids loading up carts in aisles full of bulk-sized items and lots of standing in long lines. But the warehouse store is also a great place for anyone looking for great deals, including retirees. Members of that group aren’t necessarily looking to fill up a pantry or closet with food, but they’re still looking for discounts as…
from Money Talks News https://ift.tt/zgwEGf7
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
One of the best ways to make sure you’re paying your bills and reaching your goals is to use autopay. Autopay and auto-transfers can keep you on track with your finances by helping you do what’s best for your money without having to think about it. You don’t have to worry about bills while you’re on vacation or remember to set aside cash for your most important financial goals.
from Money Talks News https://ift.tt/P3c2a4o
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. In the days before Christmas, while shoppers were fighting over the last few items on the shelves, the smartest consumers were sitting at home, waiting for the fifth quarter, or Q5. In the retail world…
from Money Talks News https://ift.tt/zZsAopy
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
With the start of the new year comes an old problem for many people: What should you do with the Christmas tree that’s now drying out and shedding needles all over the floor? For years, folks hauled their trees out to the trash. But in our more environmentally conscious age, many are looking for “green” alternatives to simply tossing out used evergreens. Consider the following ways to give…
from Money Talks News https://ift.tt/0wIKisr
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. In his recent prime-time address, President Donald Trump painted a picture of a “Comeback” defined by massive tax refunds, falling gas prices, and military bonuses. It was a speech about the success of America under his…
from Money Talks News https://ift.tt/47BcI8M
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Retirement brings a powerful transition: more time, more freedom, and a chance to reshape your life around what truly matters. But it also invites a reckoning with the stuff we’ve accumulated over decades — boxes no one has opened in years, closets full of “just in case” items, and rooms that reflect who we used to be rather than who we’re becoming. That’s why many people turn to the gentle art…
from Money Talks News https://ift.tt/40DfCYG
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
You want to jump into the world of remote work, but you don’t have formal experience in any of the fields you’re interested in. Maybe you just graduated. Maybe you spent years as a caregiver. Whatever the case, you’re now googling “remote jobs no experience,” and it seems like you’re not qualified for anything. But there are plenty of jobs you can do from home with no experience.
from Money Talks News https://ift.tt/Q1EyzF7
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The demand for quality care has driven prices to levels that can strain even the most robust family estate. Budget facilities may appear to offer a viable solution, but a lower price point can indicate underlying risks…
from Money Talks News https://ift.tt/34hYgSa
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. With the holiday season here, the temptation to file for Social Security and start the new year with an extra check is high. Yet for many people in their mid‑60s, especially those born in 1959 and 1960…
from Money Talks News https://ift.tt/HO4ZDIt
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
It is a number that is hard to wrap your head around: $81.5 billion. That is the top end of the estimated amount Americans 60 and older lost in 2024 to financial fraud, according to the latest Protecting Older Consumers report from the Federal Trade Commission (FTC). The full estimated range is between $10.1 billion and $81.5 billion. Actual reported losses among older adults climbed to a…
from Money Talks News https://ift.tt/5Sga8V9
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Are your roots showing because you can’t justify getting your hair highlighted? Do you have a stack of instant ramen noodles in your pantry for the first time since college? While Bloomberg might not officially label these as recession indicators, some people on the internet have. The social media world has been having fun with these tongue-in-cheek unofficial recession indicators.
from Money Talks News https://ift.tt/oZ0mIQc
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
If you’ve been feeling the pinch of inflation lately, I have some news that might make your spring a lot brighter. Treasury Secretary Scott Bessent has been signaling that the upcoming tax filing season could result in the largest tax refunds in American history. We aren’t talking about pocket change; in recent interviews, Bessent predicted that total refunds could jump to between $100 billion…
from Money Talks News https://ift.tt/rEPZTmd
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Buy now, pay later apps are an increasingly popular way to finance purchases. Companies like Affirm, Afterpay and Klarna allow you to split the cost of everyday purchases — from running shoes to groceries — into several installment payments. Pay-in-four loans are a common model. You’re required to make a small down payment, usually around 25%, then enroll in autopay with a credit or debit card…
from Money Talks News https://ift.tt/j18E37R
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Every weekend, I recap “news you can use” from the week — a handful of quotes from major (and often expensive) news sources — so you can stay up to date on the news that affects your money without spending a dime and in less than a minute. Here’s an overview of what happened this week. Americans Facing a Tough Job Market in 2025 Won’t Get a Break Next Year (Dec 19, Bloomberg): The…
from Money Talks News https://ift.tt/2YaK0nU
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Time is running out before a significant set of scheduled tariffs takes effect. While Americans have navigated a shifting economic landscape throughout the year, 2026 marks a turning point for several household…
from Money Talks News https://ift.tt/9zCZgDS
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
The U.S. minted its last penny for general circulation in November, joining countries like Canada and Australia in phasing out the one-cent coin. But a recent YouGov survey of over 1,000 U.S. adults reveals that Americans are divided about what this means for their spending — and how stores should handle the change. The end of penny production doesn’t mean existing pennies are worthless.
from Money Talks News https://ift.tt/XKfsDro
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
If you think staying inside protects you from exposure to air pollution, a new Stanford University-led study suggests you may want to take a closer look at your kitchen. Researchers found that using gas and propane stoves can expose people to indoor nitrogen dioxide levels similar to the total pollution they would get from all outdoor sources combined. Nitrogen dioxide, or NO2…
from Money Talks News https://ift.tt/6enG4NI
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Fewer people are sending items by mail these days, opting instead for online bill pay, email and social media. But some prefer the traditional feel of mailing cards, bills or letters — especially around the holidays — or trust the U.S. Postal Service more than the internet with their correspondence. If you use a lot of stamps, the cost can quickly add up. As of December 2025, U.S.
from Money Talks News https://ift.tt/SApBUKO
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The single biggest reason you’re paying too much for car insurance: Insurance companies know you hate to think about it, much less to shop around for it. Result? They raise your rates, confident that the hassle of…
from Money Talks News https://ift.tt/IhXOpuq
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Like with most things, shopping online for prescription eyeglasses has become the new norm thanks to the convenience of being able to try on frames virtually or at home. Now that there are so many options, finding the right pair of cheap prescription glasses online may feel overwhelming. Because you should expect to replace your glasses every one to three years, it’s worthwhile to find…
from Money Talks News https://ift.tt/5aO2l9K
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
For many people, getting up bright and early is the best way to get a jump-start on their workday. A quick run, followed by a shower and a cup of coffee, gets these early birds off on the right foot. If you find yourself in that category as a morning person, your career options are plentiful. Here are some ideal jobs for early birds whether you want to work early mornings in the food industry…
from Money Talks News https://ift.tt/On0vxMI
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
There’s a high chance you’re missing out on crucial nutrients that support nearly every cell in your body, according to a recent study. The research — a review published in the journal Nutrition Research Reviews — says that 76% of people worldwide are not meeting recommended intakes of two key omega-3 fatty acids, eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA)…
from Money Talks News https://ift.tt/MqPheTH
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
The cost of living in Malaysia has risen sharply — groceries, fuel, childcare, and housing all cost more. Yet many Malaysians feel stressed even after salary increases. The reason isn’t just inflation. It’s lifestyle creep.
Lifestyle creep happens when spending quietly rises every time income increases. New phone upgrades, food delivery habits, subscriptions — small upgrades that slowly erase financial progress.
The Truth About Lifestyle Creep
When income rises, lifestyle often rises automatically. The result?
No savings growth. No breathing room. Just more financial pressure.
This is why many middle-income Malaysians feel stuck despite earning more than before.
Real-Life Example
Jason, a 32-year-old professional, received a RM1,200 raise. Within months, his expenses rose by RM900 — better meals, upgraded gadgets, extra subscriptions. His savings barely moved.
When he applied a lifestyle freeze, everything changed.
The 12-Month Lifestyle Freeze Strategy
For 12 months, lock your lifestyle.
Don’t upgrade spending just because income increases.
That gap between income growth and expenses becomes your financial recovery zone — emergency funds, investments, and peace of mind.
Final Thoughts
Inflation is real, but lifestyle control is powerful.
If you want practical strategies to stretch your salary without suffering, visit:
When you get laid off, it can feel like your world is ending, and no amount of preparation or after-the-fact reasoning softens that initial blow. But it’s not the end of the world, even if it feels like it right now. The shock of a layoff can feel paralyzing, but you can take steps to move forward. The real question is how to do that and what comes next. We’ll walk you through what a layoff…
from Money Talks News https://ift.tt/JRE8myK
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Your first impression of a thrift store may go a little like this: a store full of used goods that nobody wants sprinkled with the occasional treasure. And while there is certainly that element in any thrift store, the reality is that these establishments have much to offer us. They’re good for the environment (sustainable), good for the wallet (usually budget-friendly) and good for the brain…
from Money Talks News https://ift.tt/pbOTmkP
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
When I was a kid, stockings were the part of holiday gift-giving that seemed like an afterthought. No shade to my mom or dad, but back then stockings were usually filled with bulk candy and a few inexpensive toys. Thankfully, times have changed. Today, stockings (and expectations) are bigger. If you’re in the market to fill some oversized footwear before the holidays, Aldi is “sleighing” it.
from Money Talks News https://ift.tt/nq93kAO
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The holidays make healthy routines harder. Food is everywhere, social pressure is high, and traditional meals lean heavily on breads, pastries and starchy sides. Low-carb diets can help stabilize appetite…
from Money Talks News https://ift.tt/2K9Bdla
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Even the most beautiful yards can be sabotaged by a few well-meaning but costly landscaping mistakes. From scalping your grass and planting the wrong plant in the wrong space to impulse plant purchases, these are some of the most common landscaping pitfalls. As a landscape designer with decades of experience, I’ll walk you through common landscaping mistakes and show you how to easily avoid them.
from Money Talks News https://ift.tt/AfRO18z
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
“I have learned all kinds of things from my many mistakes. The one thing I never learn is to stop making them.” ― Joe Abercrombie Over the 40-plus years I’ve been investing in stocks, I’ve made a lot of solid moves. But that doesn’t mean I haven’t made mistakes along the way. I’ve made tons. Happily, this is the season when yesterday’s bad stock picks become today’s tax deductions.
from Money Talks News https://ift.tt/d5rzE6b
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
The health care industry continues to evolve at record speed, and the job market is keeping pace. Monster’s 2025 Healthcare Market Report reveals how hiring shifted over the past year and where opportunity is growing fastest as we head into 2026. Analyzing millions of health care job listings and candidate searches between January 1 and November 30, 2025, Monster’s data shows a system that’s…
from Money Talks News https://ift.tt/V48tJYa
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Exploring estate sales has been one of my favorite summertime activities for more than 20 years. For this professional picker, roaming through old houses with the possibility of hidden treasure around every corner is a thrill like no other. But in a world of big-box stores and online shopping, navigating the unique world of estate sales is practically a lost art. So, here is my best advice…
from Money Talks News https://ift.tt/Wzm2OlM
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
If you feel like someday you’ll be buried alive in a collapsing pile of Amazon boxes, you’re not alone. Lots of online shoppers end up digging out from masses of corrugated cardboard boxes or find themselves playing box Jenga in the garage. This will be especially true after the holidays. And sure, you can reduce your online shopping or recycle those Amazon boxes through most curbside…
from Money Talks News https://ift.tt/W4nMQtq
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Every weekend, I recap “news you can use” from the week — a handful of quotes from major (and often expensive) news sources — so you can stay up to date on the news that affects your money without spending a dime and in less than a minute. Here’s an overview of what happened this week. Trump expected to sign executive order to reclassify marijuana as soon as Monday, source tells CNBC…
from Money Talks News https://ift.tt/2snfoer
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Good news: The salad dressing you may disdain for adding extra calories could actually be what makes the superfoods on your plate, well, super. A recent study published in the scientific journal Food Nutrition concludes that oil-based dressings or sauces (including mayonnaise-based sauces) can help the body absorb kale’s valuable nutrients. Kale has a number of beneficial compounds that…
from Money Talks News https://ift.tt/x07kSze
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Money Psychology: Why Stress Makes Malaysians Spend More
Emotional Spending Isn’t a Money Problem — It’s a Stress Problem
Most Malaysians think they overspend because they lack discipline. But the real reason is far deeper — money psychology. When stress builds up from work, kids, bills, or life pressures, the brain looks for instant relief. And in today’s world, that “relief” usually looks like: Add to Cart.
Behavioural studies confirm this: stress increases impulse spending by up to 30%. Your brain simply shifts into survival mode, searching for anything that offers quick dopamine and comfort.
The Hidden Triggers We Ignore
Emotional spending often happens after tough moments — a bad day at work, an argument at home, or when responsibilities pile up. That’s when your mental guard drops. You’re not irresponsible. You’re exhausted.
Real-Life Example: A Parent’s Stress Spiral
Nadia, a 34-year-old mother, noticed her online shopping spike every time her kids got sick or when work deadlines piled up. She wasn’t buying luxuries — just small items that made her feel in control for a moment.
But these small purchases added up to RM400–RM600 monthly.
Once she understood her emotional triggers, everything changed.
The 48-Hour Pause Rule
Here’s the simple but powerful hack: If you want something, don’t buy it for 48 hours. Save it, walk away, and revisit it two days later.
Most people find that the emotional urge disappears — and what remains is logic.
The 48-Hour Pause Rule works because it interrupts the emotional impulse and brings your rational mind back online.
Final Thoughts
Understanding money psychology gives you power. You’re not “bad with money” — you just need systems to protect yourself on stressful days.
You’ll need to bundle up when it’s the best time to buy a used car. On the other hand, those who wait for warmer weather might face extra sticker shock when they shop. Recently, iSeeCars analyzed 40 million used car sales over both 2024 and 2025 to try to pin down the best time of year to get a “good deal.” To qualify as a good deal, a vehicle’s purchase price must offer savings of at least 10%
from Money Talks News https://ift.tt/n2rdRyI
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Reintroduce your home to the neighborhood and elevate its curb appeal with these small front yard landscaping ideas. From border plants to flower beds and everything in between, we’ve got the inspiration you need to bring a large helping of style and sophistication to your small streetside landscape. Here are small front yard landscaping ideas.
from Money Talks News https://ift.tt/43pJit2
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Buying in bulk is a top-tier way to save money — even more so if you get deals on top of bulk savings. And right now, Sam's Club members can get big savings thanks to the wholesale club’s latest member-only discounts…
from Money Talks News https://ift.tt/qbIZ3gG
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Since the pandemic, Americans have flocked to Portugal in record numbers. From 2017 to 2022 alone, the number of Americans living in Portugal increased by 239%, reaching almost 10,000 people. Numbers continue to rise. Portugal is having a moment in the sun in terms of its popularity among U.S. expats, and it’s understandable why so many are falling for this charming country. It’s safe, warm…
from Money Talks News https://ift.tt/nJ0hK1s
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
The most successful retirees seem to have it all: not just financial security but also health, happiness and peace of mind. How do they do it? Here are habits, approaches and characteristics that can help put you on track to success in retirement.
from Money Talks News https://ift.tt/6nJHkWF
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Social Security is a complicated program that’s crucial for the retirement of millions of Americans. That’s even more true if you rely on someone else. Understanding the rules that apply to your situation could make a difference in tens of thousands of dollars over your lifetime. Following are several important rules for married couples to know when planning for their Social Security benefits.
from Money Talks News https://ift.tt/vU8uSlX
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
In Malaysia, thousands of SMEs rely on off-the-shelf software because it seems convenient and affordable. But what many business owners don’t realise is that these “ready-made” solutions often create hidden inefficiencies that cost far more in the long run.
The One-Size-Fits-All Problem
Off-the-shelf systems are built for the mass market — meaning they’re designed to serve as many industries as possible. But SMEs don’t operate the same way as large corporations. A retail shop, construction firm, and logistics SME all have unique workflows, yet the same generic system is pushed to all of them.
This leads to compromise. Teams adjust their daily routines to match the system’s limitations. Instead of software supporting your work, your work now revolves around the software.
Paying for Features You Don’t Use
Many SMEs are surprised when they discover they’re paying subscription fees for modules they never touch. Inventory tools they don’t need, HR dashboards that stay unused, reports no one understands. Real example: A local cleaning service paid RM400 monthly for a system just to generate invoices — everything else was unused.
Multiply that by 12 months, and the wasted money becomes obvious.
Lack of Flexibility Slows Growth
As SMEs grow, processes change. But most ready-made software doesn’t evolve with you. You’re stuck with the same rigid structure, even as your business expands. A manufacturing SME in Penang, for example, struggled for years because their system couldn’t add new production steps — they ended up tracking everything manually on WhatsApp and Excel.
Why Custom Lightweight Tools Make More Sense
Custom-built systems used to sound expensive. But today, SMEs are turning to simple, lightweight tools built EXACTLY for their workflow. No wasted features, no confusing menus — just what they need, nothing more.
These tools improve efficiency, reduce human error, and scale naturally as the business grows.
Conclusion
Off-the-shelf software isn’t “bad” — it’s just not designed for the unique way SMEs operate. If your team feels like they’re forcing their work into a system that never quite fits, it’s a sign to explore simpler, custom-made tools that actually support your growth.
When it comes to holiday shopping, sometimes it’s easier to buy the presents that go under the tree rather than the ones that go into the stockings hung by the chimney with care. Finding items that are small, inexpensive and durable enough to spend the night crammed under other goodies can be tough. Fortunately, warehouse club Costco offers plenty of options for people of all ages.
from Money Talks News https://ift.tt/9bxjciu
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Though thousands of people do it, not everyone knows how to write a resume. What does that mean? Piles of resumes that sound and look exactly the same. And yours is somewhere in the middle, waiting for a short glare from a frustrated recruiter who will trash it in as much time as it takes to pronounce your name. How do you stand out? What makes a good resume? Breathe easy.
from Money Talks News https://ift.tt/ONPXZef
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
No one likes paying a ton for necessities like groceries. One way many people save money on groceries is through warehouse club stores. Buying certain grocery and household items in bulk could save you a ton of money. However, wholesale club memberships can be expensive. And how do you know which one gives you the most bang for your buck? They don’t always let you take a stroll through before…
from Money Talks News https://ift.tt/Jx5Gp2Z
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Workers who are about to retire often feel a mix of joy, uncertainty and fear. But one group of older Americans feels more optimistic about their golden years thanks to a key asset they own. Around 76%
from Money Talks News https://ift.tt/d9pWuKa
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Employers cut nearly 1.2 million jobs through November 2025, the highest total since 2020, according to outplacement firm Challenger, Gray & Christmas. That is only the sixth time since 1993 that cuts have crossed this…
from Money Talks News https://ift.tt/zSniOJE
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
Insurance should protect your financial future — but for many Malaysians, it has become a monthly burden. A common reason is fear-based selling. When agents emphasize worst-case scenarios, people panic and sign up for bigger, more expensive policies than they actually need.
The uncomfortable truth is this: most Malaysians are paying for riders they don’t even need. Riders are extra add-ons that increase your premium, and many agents push them because they earn higher commissions from upsells.
One long-running study has associated a common diet with faster development of chronic diseases like dementia and heart disease. The research, published in Nature Aging, followed more than 2,400 older adults over a 15-year period. Their average age was 71.5 at the start of the study period. The researchers looked at the effect that several diets have on the development of chronic diseases…
from Money Talks News https://ift.tt/e4asNBJ
A word from our sponsor:
Need Help With Your Personal Finance or need a coach to help you structure or just want to learn the financial skill to self manage your financial matters and retirement. iLearnFromCloud.com
Need to solve a problem quickly, now you can solve it by learning the art of problem solving Art Of Problem Solving
