In order to protect yourself financially, it makes sense to create multiple income streams. These sources of income can potentially generate plenty of money when they’re doing well, but also gives you something to fall back on if something happens to your main source of income. Another way to have more disposable income is to…

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Some folks are in a fortunate financial situation where they don’t need to work. The vast majority of us, however, need to work in order to live. If you are in this group, you probably dream of becoming financially independent and only work because you want to, not have to. Here are 11 SMART steps…

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There are many ways to achieve financial independence without necessarily increasing our workloads. In this age of the side hustle, we can earn from social media accounts, general web browsing, and, of course, good old stock trading.  While you may assume that only high-flying wall street brokers stand any chance at finding success with that…

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STEM, which stands for science, technology, engineering, and math, is often referred to as the jobs of the future. Science and technology are advancing at a record-setting pace. For the workforce to remain relevant for the future, they will need to have some STEM knowledge. STEM jobs will have a leg-up against the competition, with…

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Creating a SMART and successful business requires learning different skillsets. It requires both technical skills such as learning how to manage money and people skills to lead and work with others. Starting a business can be easy, however, managing and making your business successful is a different story. Each component requires different things you need to…

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MEMORANDUM FOR All 250th Expeditionary Military Intelligence Battalion SUBJECT: David S. Chang Officer Senior Rater Philosophy 1. References. David S. Chang Lightning Battalion Expectations 06-2019 David S. Chang Lightning Battalion Command Philosophy 06-2019 David S. Chang Lightning Battalion Leadership Manual – About Me David S. Chang Lightning Battalion Policy Letters 2. Purpose. The purpose of this…

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Pay down your debt: Snowball Method or Avalanche Method

Financial problems are all around us. Many Americans today are in debt and are having difficulty paying it down. According to the latest statistics: U.S. households have more than $15,000 in credit card debt. 43 percent of Americans spend more than they earn. 14 percent of income is used to just pay interest on credit…

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What is compound interest and why is it the 8th wonder of the world?

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What is a SIMPLE IRA? A SIMPLE IRA plan (Savings Incentive Match PLan for Employees) allows employees and employers to contribute to traditional IRAs set up for employees. It is ideally suited for small companies with 100 or fewer eligible employees. SIMPLE IRA plans can provide a significant source of income at retirement by allowing employers and employees to…

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