MyMoney.Gov - MyMoney Home View in Web Browser /_layouts/VisioWebAccess/VisioWebAccess.aspx?listguid={ListId}&itemid={ItemId}&DefaultItemOpen=1 0x0 0x1 FileType Why the multimillion dollar retirement is not for the middle class At their most self-indulgent, the theological scholars of the Renaissance were mocked for abandoning the debate over moral decisions to bicker about how many angels could dance on the head of a pin. The scholars of personal finance seem on track for a similar level of disconnection from reality. Take this new study, in the Financial Analysts Journal, that says "retirement is not hopeless." Indeed, all you need to do is save 22 times the annual income you hope to have when you retire.
Open House Red Flags: 10 Things to Look for When Buying a Home While most home buyers spend their time at an open house passively observing the layout of the rooms and the name brands on the kitchen appliances, smart buyers know the things that are really important to look for when buying a home. In competitive markets, you'll often walk into an open house that has been deep cleaned, upgraded, and staged with stylish furniture, so you shouldn't be overly impressed by a house that looks and smells nice. (You can, however, be rightly appalled by a home that looks and smells atrocious.) Think of the open house as a first date: It’s an opportunity to look beyond the pictures you saw online and figure out if the property is worth seeing again—or if you should move on and never look back. Red flag No. 1: Too much scent
Crowdfunding - A Revolution for the European Civil Society During the past 5 years Crowdfunding has been doubling in size every year. And according to experts - this is only the beginning. In 2011 - $1.3 billion were raised through Crowdfunding. In 2012 this grew to $2.7 billion (of these nearly 1 billion were collected in Europe). In 2013 - $5.5 billion was raised. And in 2014 this is set to grow once again by 100%. Still confused after the Equifax breach? Here’s what you need to know After Equifax announced a data breach affecting potentially more than 140 million U.S. adults, things have not gone smoothly. The company has had to clarify or change its terms of service several times, after consumers flooded Equifax EFX, -0.36% with questions, and government officials have criticized Equifax’s response to potential victims. Security experts suggested those who are potentially impacted request a “credit freeze” from all three credit reporting agencies, Equifax, Experian EXPN, -0.13% and TransUnion TRU, -0.86% .
Time-Logging & Profit-Sharing Contractual Agreement – Ghosts With Shit Jobs Whereas it is unlikely that Ghosts With Shit Jobs will make a profit by being sold to broadcasters and/or distributors given that it is a no-budget production, I nonetheless desire to work on this film project either out of an interest in science fiction, the aesthetics of film-making, the principle of autonomous creation, the development of professional skills, the comradery of teamwork, or some combination thereof, So long as any hypothetical compensation should be as equitable as possible according to my efforts, and the process itself should be as fair, transparent and accountable as possible, Therefore, I hereby agree to the following contract:
Is the Sharing Economy Here Yet? Most of the Western world’s financial and commercial activity occurs within what we’ve come to call the Industrial Growth Economy. This economy has been around since the start of the industrial age roughly a couple of centuries ago. It requires exponential (and ultimately unsustainable) growth in production and consumption of goods and services to survive. It also requires the use of ‘fiat currency’ (state-issued notes, deemed by the state to have value) for all transactions.
17 « April « 2005 The Idea: The Gift Economy offers us a means to learn, to understand, to take charge, and to change our world. It is a natural economy, steeped in millions of years of pre-civilization human culture and the culture of all life on Earth. If enough of us embraced it, the modern ‘market’ economy, built on the faulty and inhuman foundations of inequality, scarcity, false quantification of value, and acquisition, could not survive. Several of the comments I have received about AHA!