5 Strategies for Dealing with Debt Collectors Coping with debts you cannot pay is never a fun process, and it can be downright stressful to have debt collectors calling your home at all hours of the day and night to try to force you to pay. Debt collectors often use aggressive tactics to force you into sending at least some portion of your payment, primarily as they usually work on commission or on a system where they have to collect a certain amount of debt to meet quotas.…
Road to Opening 1000 Chaos Legion Packs - Week 13 | Splinterlands #168 Another week has gone by in my challenge to open 1000 Chaos Legion packs, and I will closely monitor and transparently share all details about the challenge in these posts. Road to opening 1000 Chaos Legion Packs Week 13 Update I should start a betting line for these weekly posts with only one bet; Will this week's pack opening be profitable? I have now opened 300 packs and have completed 30% of the…
Dragons Weekly Battle Challenge | Splinterlands #169 This week’s battle challenge focuses on any monster from the Dragon Monster, and I have decided to focus on Daria Dragonscale. Card Details A Reward epic level monster from the Death Splinter at level 3: Estimated cost: $104.70 Mana cost: 4 Buff ability: +1 melee damage to all friendly monsters. While I love the recent trend of focusing on Chaos Legion monsters in the battle challenges, it's a great breath of fresh air to…
Should I Open a New Line of Credit? Opening a new line of credit is an excellent way to build your credit history, but it comes at a cost. When you open a new line of credit, you are announcing, “I need more money.” Creditors and employers expect you to open a new line when you experience significant change: the start of college, taking a new job, or the birth of a child. If you open a new line for no apparent reason, it is an indication that you cannot manage expenses on…
Road to Opening 1000 Chaos Legion Packs - Week 14 | Splinterlands #170 Another week has gone by in my challenge to open 1000 Chaos Legion packs, and I will closely monitor and transparently share all details about the challenge in these posts. Road to opening 1000 Chaos Legion Packs Week 14 Update This week's pack opening continued the negative expectation trend from opening packs. After 14 weeks and opening 320 packs, I have only had three positive weeks, which is not…
Supply Runner Weekly Battle Challenge | Splinterlands #171 This week’s battle challenge focuses on the Supply Runner. Card Details A Chaos Legion common level monster from the Neutral Splinter at level 1: Estimated cost: $0.153 Range attack: 2 Speed: 3 Health: 4 The weekly battles are back and continue to focus on the new Chaos Legion cards, and this week it focuses on the Supply Runner. The Supply Runner name has been featured in other prominent games like Elder Scrolls and…
Five Things That You Should Be Doing Now To Keep Your 2022 Finances On Track Now that the groundhog saw his shadow, it’s time to recommit to getting your financial house in order. Here are five things that you should be doing now to keep your 2022 finances on track: Start saving for retirement If you aren’t saving anything for retirement right now, then it’s time to enroll in the retirement plan offered by your employer. Pay off your credit card debt If you have…
Road to Opening 1000 Chaos Legion Packs - Week 15 | Splinterlands #172 Another week has gone by in my challenge to open 1000 Chaos Legion packs, and I will closely monitor and transparently share all details about the challenge in these posts. Road to opening 1000 Chaos Legion Packs Week 15 Update When I look at the Yield curve for the pack opening after opening this week, I take solace in seeing the inflection point concaving upwards! Nonetheless, this week's opening…
Scavo Firebolt Weekly Battle Challenge | Splinterlands #173 This week’s battle challenge focuses on the Scavo Firebolt. Card Details A Chaos Legion rare level monster from the Fire unit at level 1: Estimated cost: $0.16 Range attack: 2 Speed: 2 Health: 4 The weekly battles are back and continue to focus on the new Chaos Legion cards, and this week it focuses on the Scavo Firebolt. What do you get when you mix the characters from Desperate Housewives (Lynette and Tom Scavo)…
Retiring in The 2030s - Only 10 Years Away If you’re only ten years from retirement, then it’s high time for you to figure out how much you will need to be saving for retirement and focus on accumulating that amount if you haven’t already done so. Time is running out for you to reap long-term growth in your portfolio. But there are several other issues to consider at this point. Fuel Your Contributions If you’ve been slacking off on your retirement contributions because of…
Road to Opening 1000 Chaos Legion Packs - Week 16 | Splinterlands #174 Another week has gone by in my challenge to open 1000 Chaos Legion packs, and I will closely monitor and transparently share all details about the challenge in these posts. Road to opening 1000 Chaos Legion Packs Week 16 Update The major news in the crypto world has been BTC recording an 8th weekly red candle, and similarly, after this week's pack opening, I am only a 7th-week profit and loss losing…
Cruel Sethropod Weekly Battle Challenge | Splinterlands #175 This week’s battle challenge focuses on the Cruel Sethropod. Card Details A Chaos Legion common level monster from the Water unit at level 1: Estimated cost: $0.08 Melee attack: 1 Speed: 1 Armor: 3 Health: 4 The weekly battles are back and continue to focus on the new Chaos Legion cards, and this week it focuses on the Cruel Sethropod. I have previously mentioned that these challenges are a fantastic way to learn…
Find Happiness by Working After Retirement It is a fact that the workforce is aging out. That means that more and more people will be heading out of the workforce in ten years. Will there be enough well-qualified workers to replace them? It doesn’t look like it. Many baby boomers are returning to the workplace after they retire. The average person still works at least until they are fifty-five. That is still a good ten years earlier than the recognized retirement age. Those…
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