Tips

Welcome to Spending Notes, where we do a weekly deep dive into how our readers spend their cash. Today: a teacher who makes $60,000 a year Occupation: high school teacher Age: 29 Location: Boston Salary: $60,000 (approx. $1,800 per pay period) Day One Teaching high school has its good days and bad days, but I'm glad to be in a position where work is never boring. Sometimes, you're up all night grading papers or exams, so mornings can feel hectic every now and again. It's going to be a typical workday for me where I teach both U.S. History and World History. Two of the classes I teach are AP, or advanced placement, which can be used toward college credit. AP classes tend to be more intense as far as the pace of the learning material. On the way to work this morning, I sto...

Mental health struggles are plaguing modern society. And with everything going on nowadays, is it really a surprise? However, your mental health doesn’t have to be a struggle. One benefit of our modern times is that mental health is finally losing the stigma surrounding it for decades. From depression to anxiety to bipolar disorder and many more struggles, mental health is no joke. If you or a loved one is dealing with mental health problems, never be afraid to reach out and ask that important question, “Is there a counselor near me I can talk to?” In losing the stigma, counseling, therapy, and psychiatric services have made leaps and bounds in finding the best ways to help those in need. Counseling provides support and validation. When you meet with a reputable, professional counse...

The United States is the best place in the world to start your own business, but no company can succeed without the proper resources. The problem for many small business owners is they don't know everything they need to launch their startup and keep it running. Around 50 percent of small businesses fail in their first year. Part of the reason for the high rate of business failures is not having the right people, strategy, and resources. Even sole proprietorships need to invest resources that will lighten their load. In this article, we'll discuss some of the things all businesses need to achieve lasting success. Business Plan Having a business plan is one of the most important and underappreciated aspects of launching a business. You might have a great business idea, but no one else...

Staying informed is extremely important. Many people rely on sources such as their social media news feeds to stay abreast of what’s going on in the world. If the news is being reported by reputable news sources, which factors facts into their reporting, this can be a good thing. If, however, your social media profiles are filled with unproven and non-factual “news’" stories, then that can be a bit more problematic. The best way to get the type of content that you need and to receive objective news is to find those sources that have a dependable newsroom. A newsroom is an area in a newspaper, magazine, or broadcast news office where the news is disseminated, written about, and edited. These places are the lifeblood for many newsgathering organizations and provide the relevant content that ...

It has often been said that opening a restaurant is one of the riskiest new business ventures. This is because restaurants require so much money upfront. You need to finance the building, hire and train great staff, buy restaurant equipment, and order all the food before you sell anything. Plus, there are so many restaurants out there, so how are you going to guarantee that yours stands out? But if opening a restaurant is your ultimate goal and your biggest passion, don't let that stop you. Just be aware and work strategically to create a restaurant business you can really be proud of. As you begin any new venture, you'll need the right tips and tools to make it happen. Look to restauranteurs who came before you that can help you develop a strong game plan. Rely on that professional adv...

Aging is a normal and natural part of life that everyone experiences without exception. As we get older, numerous spheres that make up our human existence experience slow down. This includes mental, physical, emotional, and even sexual aspects of our daily life. Although these changes are a normal consequence of aging, the best way to grow old is to maximize the benefits of old age while taking proactive steps to minimize the inevitable deterioration. Below are some helpful tips for men to consider in order to remain healthy as they age. It helps to remain physically active Many health experts recommend regular physical activity as one of the best ways to combat several of aging's adverse effects. Regular exercise improves your balance, aids in better cognitive functioning, keeps yo...