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Critical Financial

Blog Info

Name:
Critical Financial
Category:
General Finance
Tags:
A Financial Survival Guide to America in the 21st Century.
Start Year:
2012

Blogger Bio

Location:
Portland, Oregon, United States
Age:
Unspecified
Race:
Unspecified
Gender:
Unspecified
Life stage:
Unspecified
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Latest Blog Posts

Contrary to its name, passive income begins with action. Passive income does not require regular work to produce. You must invest money, time, effort, or a combination of the three to set yourself up to make money while you sleep. Here are some ways to make passive income from what you already do. Licensing If you are a musician, photographer, painter, designer, etc., you can sell the use of your work. The ...
Posted: Sep 18 2019 @ 5:57 PM
Self care is an essential part of successful living. Taking care of yourself ensures you can function at your highest capacity. However, your self-care practices can be pricey if you're not mindful. Here are some popular ways to treat yourself without breaking the bank. Massage One of my favorite ways to relax is a deep-tissue massage. I used to pay $65 per month, plus tip, for a massage at one of the ...
Posted: Sep 14 2019 @ 12:04 AM
If you've recently left your job, you may be wondering if an employer can hold your last paycheck. Based on federal law, the answer is no. However, you may not receive payment immediately, and it may not be the amount you expected. Reasons to Withhold Your Last Paycheck Federal law prohibits employers from withholding final paycheck for any reason. Some reasons where an employer might try to do so are theft, retention ...
Posted: Sep 11 2019 @ 11:14 AM
The unwritten rule is that your housing costs should not exceed 30 percent (sometimes 28 percent) of your gross income. Historically, expenses any higher than this indicated a cost burden and lack of affordability. Although widely used for decades, the rate may be unrealistic in this day and age. Gross vs. Net My first issue with the practice is the use of gross income. Gross income is your pay before federal taxes, ...
Posted: Sep 09 2019 @ 10:11 PM
College should be free. A degree is so widely touted as necessary for a successful life, yet it can be wildly overpriced and unattainable. Here are four reasons why higher education should be free. Value has decreased First, the value of a college degree is no longer there. The cost of tuition alone has increased many times over in the last thirty years. For example, the four-year cost to attend Harvard University ...
Posted: Sep 08 2019 @ 3:52 PM
Most people are shocked that it took five years to pay off my student loans. That timeframe was unusually short, and it took a lot of creativity and sacrifice. Here are some ways to pay off student loans fast. Tips for Students Apply your refund check to your loan instead of spending it. I was told to do this my freshman year of college, yet I didn't listen. I could have saved ...
Posted: Aug 30 2019 @ 6:50 PM
We each want to have financial independence in our unique way. Some want to quit working at age 40. Others just want to retire at some point with a substantial nest egg. Being financially independent is one of my life goals. It won't happen overnight, and it won't be easy. What is Financial Independence? The "Financial Independence, Retire Early" (FIRE) journey is increasing in popularity. Those that follow the movement are making ...
Posted: Aug 29 2019 @ 10:51 PM
Deciding whether to loan money to family is an increasingly common predicament. It may be a more regular occurrence for parents as more millennials move back home. However, this can also happen with parents or siblings.  What should you do? As with most situations involving your hard-earned money, the answer isn't a simple yes or no. Before You Loan Money Here are some questions to ask: What are the risks? Why is ...
Posted: Aug 28 2019 @ 6:54 PM
If you own a property, you need a home warranty. At first glance, it may seem like just an additional expense. However, it will probably save you more money than you can imagine. What is a Home Warranty? A home warranty is essentially a comprehensive extended warranty for your appliances. You pay a fee coverage you request in an annual payment or monthly payments. If you make a service request, you will ...
Posted: Aug 27 2019 @ 11:02 PM
When comparing the costs of home care versus assisted living, you have to be realistic. Preparing to care for an elderly loved one can be stressful and expensive. There are many details to consider depending on the wants and needs of you and your relative. Home Care Home care may be less expensive than alternatives, but it may be more complex. The 2018 Genworth Cost of Care survey states the national median is ...
Posted: Aug 27 2019 @ 8:47 PM

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