Category: Financial Planning
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Saving for a healthy retirement: exercise tips to stay fit and active
Saving for a Healthy Retirement: Exercise Historical background: от «отдыха на пенсии» к активной жизни For most of the 20th century, retirement was sold as a well‑earned rest: less motion, more armchairs. Exercise for older adults meant light walks, if anything. Only in the late 1980s and 1990s large studies started proving that regular training…
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Budgeting for remote teaching and online learning: key costs and savings
Why Budgeting for Remote Teaching Still Matters in 2025 Вudgeting for remote teaching уже не выглядит аварийной мерой времён пандемии. В 2025 году это нормальная часть стратегии любой школы или частного преподавателя. Онлайн‑курсы конкурируют за внимание так же жёстко, как сериалы в стриминге, поэтому каждая потраченная единица бюджета должна усиливать вовлечение и результаты. Вместо хаотичных…
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Debt reduction success stories: real-life paths to financial freedom
Debt can feel like a permanent roommate you never invited, но на практике люди каждый день выбираются из минуса, и их истории довольно приземлённые, без волшебных кнопок. Ниже — реальные пути к свободе, разложенные по шагам, с акцентом на то, что вы можете повторить. Здесь нет мотивационных лозунгов: только честные выводы, практические советы и рекомендации…
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Financial literacy for seniors: how to maintain independence in retirement
Why financial literacy keeps seniors independent For many older adults, money isn’t about “getting rich” anymore, it’s about staying in control of daily life. Between 2022 and 2024, the share of Americans over 65 still working hovered around 19–20%, according to U.S. Bureau of Labor Statistics data, largely because people worry their savings won’t last….
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Smart ways to cut grocery bills without compromising quality and still eat well
Most people feel that little shock at the checkout line and wonder where all that money went. The goal isn’t to live on instant noodles, but to figure out how to save money on groceries without sacrificing quality, flavor or nutrition. Вelow you’ll find a practical, down‑to‑earth roadmap: what really работает в магазине, какие цифры…
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Debt-free graduation: how to pay off student loans before you graduate
Why graduating with less debt matters Over the last three years студенты почувствовали, насколько тяжёлым может быть долговой рюкзак. По данным Федерального резервного банка США, совокупный долг по студкредитам держится в районе 1.6 триллиона долларов с 2022 по 2024 годы, почти не снижаясь, несмотря на пандемийную паузу выплат. Средний выпускник бакалавриата в США в 2024…
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Financial planning for women entrepreneurs: key strategies for business success
Historical context of women’s financial planning in business For most of the 20th century, women were structurally excluded from mainstream business finance: in the US, for example, women in many states could not get a business loan without a male co‑signer until the 1980s. This legacy still affects how financial planning services for women entrepreneurs…
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Saving for a child’s gift education: how to plan and grow a secure fund
How We Got Here: A Short History of Saving for Education From “Hope for a Scholarship” to Long-Term Strategy A couple of generations ago, many parents relied on scholarships, part-time jobs and low tuition, rather than a formal college savings plan for child expenses. As education costs rose faster than incomes, families started treating tuition…
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How to use a cash reserve to weather financial storms and protect yourself
Why a Cash Reserve Matters More Now Than Ever Over the last three years, households have been hit from all sides: inflation spikes, rising interest rates, layoffs in tech and logistics, wars affecting energy prices, plus constant market jitters. According to the U.S. Federal Reserve’s 2023 report, about 37% of adults said they couldn’t cover…
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Investing in biotech: a beginner’s guide to profitable innovation and growth
Why Biotech Investing Matters in 2025 Biotech в 2025 году — это уже не ниша для фанатов научных журналов, а мощный драйвер рынка, который постепенно становится таким же привычным, как IT или финтех. За последние десять лет глобальный биотехнологический рынок вырос с примерно 270–300 млрд долларов до более чем 1 трлн долларов совокупной оценки публичных…