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Critical Financial

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Critical Financial
General Finance
A Financial Survival Guide to America in the 21st Century.
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Portland, Oregon, United States
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Latest Blog Posts

Are you interested in making money during a pandemic? There are some things you should definitely NOT do including price-gouging (which can get you prosecuted by the State Attorney General), hoarding, and profiteering off other people’s misery. But there ARE ways to earn income during an emergency like coronavirus, one that requires lengthy waiting times locked down or sheltering in place at home. Professional Blogging Many people who experience long periods of isolation ...
Posted: Apr 02 2020 @ 10:12 AM
Are you having trouble making your mortgage payment? There are many headlines about economic relief associated with the coronavirus pandemic and COVID-19. Some of those headlines discuss economic stimulus proposals and legislation such as the CARES Act of 2020, and the three phases of economic stimulus proposed by the House and Senate. But what do homeowners need to know about the coronavirus, economic stimulus, and their mortgages? If You Have Not ...
Posted: Mar 26 2020 @ 2:50 PM
Are you interested in top jobs for the deaf and hearing impaired? When I was given the assignment to write this piece (some are assigned, some are not) I felt a sense of trepidation. I firmly believe in the motto that has circulated around Hollywood and elsewhere regarding representation in culture; “It can’t be about us without us” is a mantra I live by, and this topic is no exception. Transparency ...
Posted: Mar 19 2020 @ 4:33 PM
Should you consider a refinance of your mortgage during the coronavirus outbreak? Headlines about the pandemic have served to throw stock markets into disarray, mortgage rates took a huge nose-dive, and many homeowners rushed to take advantage of the low rates, which in some cases (FHA and VA mortgages, for example) went below the three percent range for the first time in many years. What does it mean for the rates ...
Posted: Mar 12 2020 @ 10:29 AM
How does procrastination save money? It sounds like a pretty absurd concept compared to the question of how procrastination can COST money. And it’s true that in many cases, looking to procrastination to help you save is a truly dumb idea unless you are not talking about blowing off your financial commitments in favor of staying liquid in a financial sense. How Procrastination Can Help You Save No-spend tactics are key to ...
Posted: Mar 05 2020 @ 2:54 PM
If you have been choosing between investing in a car or real estate, definitely opt for property investment. You can consider a vehicle as an asset and not an investment. For the first year, a car depreciates to more and less $1500. Investing is putting a large amount of money because you assume that in return, it can generate you profit. Whereas, a home appreciates value through years and even, ...
Posted: Feb 12 2020 @ 4:42 PM
You might've heard all the buzz about how investors have turned their crypto portfolio into a gold mine. You may think only experts can get this done. However, you can get the most out of your investments if you learn how to start investing in cryptocurrency. Believe it or not, it's easier than you think when you learn the top tips followed by experts. Don't know where to start? We've got you ...
Posted: Dec 16 2019 @ 1:37 PM
There are five lessons to be learned from Joejuan Williams' money mastery. He lives off 10% of his multimillion-dollar income, and I'm not sure I've ever been more proud of a stranger. Learn good habits early Joejuan Williams credits a finance course he took in high school that helped him form his good practices as a millionaire. He learned about 401(k) plans, certificates of deposits, and mutual funds, budgeting, and completing a ...
Posted: Nov 20 2019 @ 10:01 PM
With retirement planning, there are so many options. Now that there's increased availability of the Roth 401(k), the question is whether its better than the traditional 401(k). It's challenging to pinpoint which plan is best. Like most things dealing with money, it depends on your situation. Traditional 401(k) A 401(k) is a retirement investment account that has funds based on stock market funds or life cycle funds that are risk-adjusted to your ...
Posted: Nov 14 2019 @ 6:29 PM
Open Enrollment has begun, so it's time to choose your insurance policies to make sure you're getting the best and most affordable coverage in the upcoming year. You have until December 15 to ensure your coverage for January 1. How to Choose Insurance Coverage If your job offers health insurance premiums, request the coverage information from human resources, or find them online. You need to compare premiums, copayments, deductibles, prescription costs, and ...
Posted: Nov 12 2019 @ 11:10 PM


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