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Ruth and Laurie

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Debt, mindfulness in personal finances
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Ontario, United States
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DIK (Dual Income, Kids)

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Latest Blog Posts

As a college student money management can become one big of a deal since most of them haven’t have had the opportunity to hold financial responsibilities before.  Thus as soon as you enter college, you may find yourself spending much more than you would think by the end of the month.  This is where money […] The post College Inspired Hacks to Save Money appeared first on Fruclassity. ...
Posted: Feb 04 2019 @ 8:00 AM
Amortization refers to the accounting technique which involves the distribution of the cost of any asset over a period of time. This technique is generally helpful in lowering the cost value of some kind of intangible asset which usually increments through schedule charges to income.  It is the process of payments of the debt obligations […] The post What is Amortization and How does it Benefit you? appeared first on Fruclassity. ...
Posted: Jan 28 2019 @ 8:04 AM
If you can’t live without makeup and beauty products, there’s no need to let go of them to save money. We’ll teach you some simple money saving secrets while still achieving the same look and without hurting your skin. It’s just a matter of practice, discipline, and practicality that will help you score the best […] The post Save Money on Makeup, Cosmetics and Beauty Products appeared first on Fruclassity. ...
Posted: Jan 28 2019 @ 5:07 AM
The modern business cannot successfully exist without having an online presence. A large percentage of customers, search for local businesses online and you can therefore not afford to ignore this platform.  There are many website tools available in the market that you can use to create your own website. However, if you have the finances […] The post Tips for having a Good Business Website appeared first on Fruclassity. ...
Posted: Jan 22 2019 @ 1:31 AM
Conflict theory was proposed by Karl Marx, one of the renowned sociologists.  According to the conflict theory, conflict was a persistent feature of the society which existed due to limited resources. The rich and powerful dominate the poor by any means they can. The social order is formed by the resourceful who also hold the […] The post What is the Conflict Theory appeared first on Fruclassity. ...
Posted: Jan 21 2019 @ 3:38 AM
Deflation is the fall in general price level when the inflation rate becomes less than 0%.  The demand for goods fall as a result the price and production decrease. The government of every country take precautionary steps to avoid deflation as it effects the economy negatively and curbs economic growth. The Great Depression of 1930s […] The post Why is Deflation bad for Economy? appeared first on Fruclassity. ...
Posted: Jan 14 2019 @ 4:42 AM
In the year 2018, the financial market has been on one heck of a roller coaster ride for sure since it has experienced both highs and lows this year.  And with so many changes happening, a lot of new financial terms were introduced unknown to the majority of people. So to sum it up, here […] The post Top 7 new Financial Terms given to us by 2018 appeared first on ...
Posted: Jan 07 2019 @ 2:23 AM
Bitcoin isn’t claimed by anybody. Consider it like email. Anybody can utilize it, yet there is certainly not a solitary organization that is responsible for it. Bitcoin exchanges are irreversible. This implies nobody, including banks, or governments can square you from sending or accepting bitcoins with any other individual, anyplace on the planet. With this […] The post Do you know everything that you should, about Bitcoins? appeared first on Fruclassity. ...
Posted: Dec 25 2018 @ 1:17 AM
An ETF, or trade exchanged reserve, is an attractive security that tracks a stock file, a product, bonds, or a bin of benefits. Albeit comparable from multiple points of view, ETFs contrast from common assets since offers exchange like normal stock on a trade. The cost of an ETF’s offers will change for the duration […] The post What are Exchange Traded Funds? appeared first on Fruclassity. ...
Posted: Dec 17 2018 @ 7:12 AM
Cryptocurrency has the world by a surprise, but many experts who study cryptocurrency saw it coming. And the biggest star of this particular surprise has been Bitcoins. Bitcoins is a part of the blockchain technology,which is at its all-time high right now. Blockchain is basically a decentralized and in alterable digital ledger. This means that […] The post Basics for Buying and Investing in Bitcoins appeared first on Fruclassity. ...
Posted: Dec 03 2018 @ 7:49 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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