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William Hadley

personal finance blogger, loves sports and a good home brewed beer.

5 Steps to Take to Improve Your Finances Before 2022 Begins. With the new year rapidly approaching, now is the perfect time to assess your finances.

5 Steps to Take to Improve Your Finances Before 2022 Begins

Life may feel busy right now, but evaluating your financial situation and coming up with new goals can help you start the year off right. By making some changes, you can improve your finances and set yourself up for success. Here are five steps you can take: 1. Retirement insecurity: 46% of Americans expect to retire in debt. While most Americans recognize it is increasingly their responsibility to fund retirement rather than relying solely on a pension or Social Security, 43% fear their retirement dreams could be disrupted if Social Security runs dry, according to the MagnifyMoney survey.

Retirement insecurity: 46% of Americans expect to retire in debt

Already, the U.S. Department of the Treasury has said the Social Security trust fund will run out of money sooner than expected due to the Covid pandemic. The outlook threatens to shrink retirement payments and increase health-care costs for older Americans. Carrying some debt in retirement isn't necessarily bad if those debt payment plans don't put a huge financial strain on your retirement income, said Shelly-Ann Eweka, senior director of financial planning strategy at TIAA.

It's likely that retirees will have to factor in some amount of debt repayment, such as a mortgage or auto loan, but since those typically come with relatively low interest rates, "that's what I'd call manageable debt," Eweka said. The internet of beer. Brewing is one of the oldest crafts in the world, with the first beer recipes dating from thousands of years BCE.

The internet of beer

But from home brewers to industrial producers, technology is an increasingly vital ingredient to making the perfect ale. Brewing involves a handful of processes that haven’t changed for decades: malting, where the enzymes in grains like barley are activated; mashing, where those grains get milled and soaked in hot water to break them down; filtering the grains from the liquid; boiling, where the liquid is heated up with additional flavourings; and the final stage, fermentation, where the beer takes on its own distinctive flavour.

How to Work Out in the Morning Without Ruining Your Day. How to Change up Your Workout Routine for Fall. Even if you’re not shuttling kids back to school or in a climate where autumn brings changing leaves and dropping temperatures, there tends to be a shift in our schedules and moods that comes with the start of fall, says Minneapolis-based Lindsay Ogden, a National Academy of Sports Medicine–certified personal trainer and the digital manager for content and coaching at for Life Time, a national fitness company that runs gyms and corporate wellness programs.

How to Change up Your Workout Routine for Fall

Fewer hours of daylight might find you spending less time outdoors, especially in the evenings or early morning hours. Gophers Set to Celebrate 50 Years of Women's Sports Throughout the Season - University of Minnesota Athletics. Athletics | 10/20/2021 3:21:00 PM The University of Minnesota will celebrate 50 years of women's athletics throughout the 2021-22 academic year, beginning this weekend at soccer and volleyball events.

Gophers Set to Celebrate 50 Years of Women's Sports Throughout the Season - University of Minnesota Athletics

"Minnesota has a strong history of supporting women's athletics and is a leader in providing meaningful opportunities for female student-athletes," said Director of Athletics Mark Coyle. 6 Different Reliable Ways People Earn Money Online – River Journal Online – News for Tarrytown, Sleepy Hollow, Irvington, Ossining, Briarcliff Manor, Croton-on-Hudson, Cortlandt and Peekskill. The internet has opened a whole new world of opportunities for people to make money.

6 Different Reliable Ways People Earn Money Online – River Journal Online – News for Tarrytown, Sleepy Hollow, Irvington, Ossining, Briarcliff Manor, Croton-on-Hudson, Cortlandt and Peekskill

5 Generational Money Taboos That Must Die. While often afraid of becoming our parents, the truth is, we typically inherit our relationship with money from them – as they did from theirs.

5 Generational Money Taboos That Must Die

Many of us were raised to think that talking about money is taboo, but this idea perpetuates financial illiteracy, and avoiding money conversations can have a lasting negative impact on our own money attitudes, relationships and life goals. Youtube. Home-Based Business Ideas. The 6 Concepts You Should Know to Be Financially Literate. Youtube. How a Houston family's home brew hobby became a successful brewing company. Like many fans of fermented beverages, I am eager to brag about the plethora of terrific micro-breweries in Houston.

How a Houston family's home brew hobby became a successful brewing company

The only thing about the brewery scene that does put a bit of a bad taste in my mouth (pun intended) is that it’s rather dude-dominated. In case you’ve never been to an Astros game or tubing or, um, anywhere, newsflash: women love beer too, and some of us even make it. But now, there are a burgeoning number of female-led breweries in town, and one standout up-and-comer is 4J Brewing Company. Of four sisters Jennifer, Joanna, Jessica and Jackie Edwards, it was Jennifer and her father Larry who first began home brewing. Their initial foray began simply, as they used extract syrups to make straight-forward light, dark and red brews.

After years of making batches of these beers solely for family get-togethers, Jennifer and her mom, Marilyn Edwards, decided to make the business official. “If we can do it, you can do it. What are common personal finance mistakes everyone makes?  Share Tweet Email Everyday people wake up, work hard for a better future, and strive to become wealthy in that process.

What are common personal finance mistakes everyone makes? 

But most of us are not aware of how to spend/save that money. Earning a big paycheck alone doesn’t necessarily mean you are rich. Gambling or Cryptocurrency: How to make money online? - There are different ways to make money online today, and gambling and cryptocurrency have proven to be highly profitable.

Gambling or Cryptocurrency: How to make money online? -

Here’s what you need to know about making money with crypto and online casino. Cryptocurrency and online gambling are relatively new industries, and they provide people with better opportunities to make money. This year will make Bitcoin, which is the first and most popular cryptocurrency, 12 years old, with many predictions that these digital currencies are the future of payments. People have been making real money from cryptocurrency especially bitcoin and online gambling.

5 Quick-Hit Personal Finance Tips To Help You Invest In Yourself. Making enough money is just the beginning—then you have to manage it. Everyone, from recent college graduates to those well established in their careers, can reap the benefits of advancing their personal financial literacy. Everyone knows that money can be hard.

Making enough of it is just the beginning—then you have to manage it. Millennials have their share of money regrets, including credit card debt, lack of financial planning and, of course, the big one: college debt. You might be surprised at the state of Americans' personal finances. Americans were already struggling with their personal finances, and then COVID-19 hit. According to the Pew Research Center, 44% think it will take 3 or more years to recoup their losses for those financially impacted by the pandemic. In comparison, 10% believe their personal finances will never recover.

There’s a good chance that you might be facing some difficult financial situations yourself. If not, you most likely know someone struggling to pay their bills, save money, or reach retirement. Whether you’re trying to improve your own financial situation or your loved one’s, we’ve compiled insightful personal finance facts from several sources like Forbes, USA Today, and Savology’s recent report, The State of Personal Finances. WordPress Pros, Cons, and Benefits. When choosing a content managing system (CMS) to build a blog or website, you need to weigh the pros and cons to ensure you make the right pick for your needs.

We’ll do just that with WordPress to help you see if it’s the right for your upcoming projects. 5 Pieces of Money Advice No One Ever Wants to Hear From Me. What are the 7 challenges while making money online? “Can I make money online?” If that’s the question on your lips, and you wonder if this is possible, the answer is a resounding yes. It is possible to make cool cash from the comfort of your home or office. Millionaire entrepreneurs have been launched to the limelight just from starting an online business, showcasing and marketing their skills on social media platforms. But like all physical businesses, there are challenges a lot of online entrepreneurs face daily. Why Working Out With Other People Is So Powerful. One chilly Saturday morning last June, my wife and I woke up at 6 a.m., sleepily loaded a surfboard into the car, and drove down to Rockaway Beach in Queens, about an hour southeast from where we live in Brooklyn.

A few days prior, I'd come across an Instagram post for a protest in support of Black Lives Matter set to take place in the water, organized by the East Coast chapter of the Black Surfing Association, or BSA, a nonprofit dedicated to mentoring young surfers and diversifying the sport. My wife and I had participated in marches and rallies before, but the idea of a water protest sounded—I don't know—refreshing. A part of me was curious too: Surfing is by and large a white sport, one co-opted from native Hawaiians.

Who was going to show up? We parked the car a few blocks from the beach. Increasing Consumer Awareness to Fuel Adoption of Beer Home Brewing Kits Market – The Courier. A 15-Minute Cardio Workout for When Your Body Just Needs to Move. When you're stressful, adding an hour-long workout to the mix might make it even worse. These plans can reduce how much tax you will pay on retirement account. Your Daughter Will Thank You for Teaching Her These 5 Financial Lessons. Mother’s Day arrives this year amid mounting financial difficulties for women and girls. Everything You Need for Perfect Coffee at Home, According to the Pros. Google Pay (for iOS) App Review: Apple Pay Clone? A few months ago, I saw an article about how Google Pay had revamped its app for iOS.

This came as a surprise to me since I had no idea there was a Google Pay iPhone app. Nevertheless, I headed to the App Store and downloaded it. Personal Finance Books That Helped Millionaires Reach Their Net Worth. 3 Money ‘Musts’ for Every One of Us, Inspired by Financial Literacy Month. Most Americans believe they are financially literate, but surveys show few actually are. How much does your teen know about personal finance? QUINCY, IL (WGEM) -- April is Financial Literacy Month. - The Washington Post.

Homebrewing away the pandemic days with kombucha. 10 exciting ways to brew the best coffee at home. Coffee is one of the world's most popular drinks, so it makes sense that there are a multitude of ways to make it. And each method results in a unique cup of coffee with different flavors, bolder brews and, in some cases, different levels of caffeine.

How many calories should you burn in a workout to lose weight? Impact of Covid-19 on Home Beer Brewing Machine Market 2020-2028 – AlBrew, Brewie, PicoBrew, Speidel Tank-UndBehälterbau, The Grainfather. Money at 30: Credit Karma Money Spend Account Review. Brewing industry gets sustainable. What I Hope for in 2021 Travelwise. Learn the Personal Finance Habits of Wealthy Entrepreneurs. Avoid these costly mistakes when rolling over a 401(k) to an IRA. 10 Money Moves Before Dec. 31. Ways to Make Money Online and Offline? « Gadget Hacks. Small business news; tips; networking. How Fintechs Are Transforming Personal Finance. Student loan borrowers got help in the pandemic. Will it continue? ‘Everything Is Closed Down.’ The Lack of Youth Sports Is a Crisis. Home Brewing Picks Up Popularity During Pandemic.

Lili App Review: A Digital Banking Tool for Self-Employed Workers. I'm ditching mutual funds and switching my retirement savings to ETFs for 4 key reasons. Improve your balance: A 5-minute home workout for stability and focus. Sandusky Register Saturday is the first official day of practice for a long list of fall sports in Ohio. The 6 Personal Finance Podcasts You Should Be Listening To. Allbirds Mizzles Review: Do Mizzles Make For a Go-To Travel Shoe? The 50 greatest home runs in New York sports history. What you can or can’t do at Broward gyms after COVID-19. 5 tips to build an emergency fund from scratch, no matter your income. How to take control of personal finances amid COVID-19 economic slowing. Council Post: The Future Of Personal Finance: Banking Without The Banks. Having difficulties working out? Add some fast music to it, researchers say. My Top 5 Credit Cards I'll Be Using in 2020.

Here's a breakdown of the new income tax changes. How to Start a Money-Making Blog in 2019. Art of Aging: Last Sip Brew Club at Wesley Enhanced Living Main Line brewing up fun in Delaware County. Plank Benefits: How to Make the Plank Exercise Even Better. Personal Finance News, Investing Advice, Business Forecasts-Kiplinger.

Startribune. 7 Mini Workouts — When the Last Thing You Want to Do Is Work Out. Money, personal finance, and navigating relationships. Money, personal finance, and navigating relationships. Home Brewing Great Beer Simply While Having Lots Of Fun. 32 Fast and Easy Ways to Make Money Online. Binji Smart Card Review: Beware It's Not What You Think It Is.

Homebrewing in Japan: Craft beer's creative foundation. 6 Disturbing Personal Finance Trends Americans Should Be Aware Of. Hurdlr Review — 3 Features You Need to Know About. 3 Personal Finance Habits That Will Help You Retire Rich. WalletHub Review (2019) — Is it Better Than Credit Karma? Deadspin. A Brief History of American Homebrewing, the Foundation of Craft Beer. Personal finance 101 : Radio Times : Money. Adventures in home brewing. 5 Things to Know About Renters Insurance. What does it take to get started as a home brewer? 4 personal finance tips for financially fragile women. A Full-Body Strength Workout for Beginner Weight Lifters. Beer Nut: Refresh your brew knowledge at Beerology. Top Personal Finance Tips You Should Make A Priority On Your Work Anniversary. Ranking the Sports Halls of Fame, By Their Selection Standards.

How rugby, ping-pong and other sports have mended political rifts - CNN. Live below your means without feeling deprived. 50 of the dumbest things in sports. Womenshealthmag. Five Reasons Women Are Taking the Lead In Financial Planning. What's the next step in financial planning's evolution? Look to the Fitbit. Funding Small Businesses: A Look at Your Finance Options. Home brewers club exemplifies growth in craft beers. The most powerful woman in sports. Frank Deford: A Career Spent Bringing 'Something New' To Sports.

7 Homebrewing Kits To Clone Awesome Beers at Home. The simple workout that will stop you snoring and improve your sleep.