Whether you’re just starting out your career or nearing retirement, the idea of stockpiling an investment portfolio to generate a passive income might be intriguing. But how much money do you realistically need to be able to drop out of the workforce and get by on dividend payouts alone? While you will have to start…

Creating Retirement Income Without an Annuity One of the biggest challenges in retirement planning is figuring out how to generate income once you stop working. Many people turn to annuities as a solution, but new research suggests that if you’ve saved enough during your working years, an annuity might not be the best choice for…

Incentives: The Most Powerful Force Shaping Human Behavior By age 35, Akinola Bolaji had spent two decades deceiving people online, masquerading as an American fisherman to exploit vulnerable widows into sending him money. When The New York Times asked how he felt about harming innocent people, his response was telling: “Definitely there is always conscience.…

The Democratic Party and liberals around the world have transformed some well-meaning words into rigid ideologies. The first time I heard about diversity, equity, and inclusion, I thought they were noble ideals—principles that everyone should strive to incorporate into their lives. But when these words shift from being aspirational values to rigid mandates—where a person…

In a world of increasing economic disparity, tiered pricing has become an effective way for businesses to cater to a broader range of consumers while maximizing their own profits. By offering multiple pricing levels for the same product or service, companies can ensure accessibility for lower-income individuals while still capturing premium revenue from wealthier customers.…

Nobody likes opening their energy bill and seeing a higher number than expected. Whether it’s from cranking the air conditioning in summer or using the heater all winter, energy costs can add up fast. The good news? There are simple ways to use less electricity without making your home uncomfortable. If you’re tired of wasting…