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As someone who has been writing about financial independence and escaping corporate America since 2009, I’ve developed several rules that serve as the backbone for achieving FIRE and staying free. They are simple, but not easy. Ignoring any one of them can set you back years. Below are the first two rules as a reminder, followed by the third rule that many people overlook until it’s too late. If you do not follow the third rule, you will have no way out when you’ve finally had enough. Lucky for you, you’re reading this post so you won’t look back on…

LEANDER, Texas — Leander Independent School District is set to vote on a school consolidation plan this Wednesday, sparking concern among parents and students at potentially impacted schools. The plan aims to address a $12.8 million deficit by considering three potential paths, including school consolidations.Parents and students at Steiner Ranch Elementary, one of the schools facing closure, are urging the district to reconsider. Kaycee Parker, PTA president at Steiner Ranch Elementary, said the district needs to release more concrete details before voting on the plan.ALSO: APD releases statement after recent acts of violence nationwide and worldwide”Please wait. This is not…

BON Credit, a San Francisco-based fintech startup focused on credit and debt management for Generation Z consumers, has raised $3.5 million in funding to accelerate development of its AI-driven platform and support the initial rollout of its new app. The company said the round was led by VenturesLab and is intended to help BON Credit expand product capabilities as it targets what it describes as an $18 trillion U.S. consumer credit market. The company said the financing will be used to accelerate product and service development and to build a foundation for long-term growth following the platform’s market entry. BON…

More than 9 million student loan borrowers have missed at least one payment this year. That’s according to a report Saturday (Dec. 13) from the Financial Times (FT), which notes that delinquencies in the $1.7 trillion student loan market are soaring following the end of the government’s amnesty on loan payments following the COVID pandemic. About 44 million people are paying off student loans. The report cited recent comments from the government’s Financial Stability Oversight Council (FSOC) which said this week that student loans were “a notable exception” to low default rates on other loans held by American households. Although…

“The transfer from Taleqan only resolves part of Tehran’s shortage and is not meant to eliminate it altogether,” said Mohammad Javad Zareian, head of the Research Center for Water Resources Studies at the Energy Ministry’s Water Research Institute. “If rainfall deficits continue, Taleqan’s water will not be sufficient.”The Taleqan Dam, located in Alborz Province, is a hydroelectric facility with an installed capacity of 18 megawatts and serves as one of the five primary water sources supplying the Tehran metropolitan area.Iran is in its sixth consecutive year of drought, with reservoirs at historic lows. Tehran’s Latyan Dam is at its lowest…

Hotels take the holidays to another level: giant Christmas trees or menorahs in the lobby, extravagant gingerbread displays, lights lining the roof, maybe even a Santa sighting. Even for frequent travelers, visiting a festive hotel or resort during the holidays is a sight to behold.And there is often something for everyone. Some displays might be free to visit, even if you’re not staying at the hotel. Other activities might have a price tag attached. For people with hotel elite status or a travel credit card, the holidays also offer unique ways to use their benefits. For example, if you have…

Unexpected expenses can happen without warning—a flat tire, a medical bill, or a sudden pet emergency. Having an emergency fund gives you a safety net so you don’t have to rely on credit cards or loans when something goes wrong.  Even if saving feels out of reach, starting small is better than waiting until you can save a large amount. What matters most is consistency. Setting aside even a few dollars a week can help you start building a habit that protects your finances over time.  1. Look at Your Current Finances  Start by reviewing your income, expenses, and any…

Nebius has secured hyperscaler-scale contracts, institutional funding, and multi-year demand visibility. Read why NBIS stock is a Strong Buy. Source link

They were once debt-free and living in a paid-off mobile home. But years later, this couple, that’s approaching their 70s, is now buried under $46,000 in debt and wondering what went wrong. Hannah, 69, called into “The Ramsey Show” to speak with personal finance experts Dave Ramsey and Jade Warshaw about her and her husband’s current financial struggles. “In 2016 we went through your university program and in 2017 we became debt-free and were able to purchase our mobile home debt-free,” she said. Don’t Miss: But since then, things unraveled. Hannah admitted they opened 13 credit cards and took out…

Financial conditions in the agriculture economy are flashing more signs of strain as farmers’ costs remain high while prices for their crops stay low.A survey last month from the Chicago Fed found that third-quarter repayment rates in the Midwest for non-real-estate farm loans were lower than a year earlier for the eighth quarter in a row.Meanwhile, 21% of the lenders who responded to the survey said collateral requirements for farm loans rose in the third quarter, while none reported that requirements eased.And an overwhelming 92% majority expect net cash earnings, including government payments, for crop farmers to be lower during…