by Leif Jensen | Dec 15, 2025 | Money Management |
Early career workers need to set up a financial foundation. This will assist them on the path to financial security. Like retirement, the idea is to start early and maintain throughout their careers. Currently 56% of workers early in their careers do not have 3 to 6...
by Leif Jensen | Dec 10, 2025 | Money Management |
I was surprised to find in this day and age that yes, women are still paid less than men, although the gap has narrowed over time. In 2024, women working full-time, year-round earned about 81 to 85 cents for every dollar men earned, a figure that can be even lower for...
by Leif Jensen | Dec 8, 2025 | Money Management |
ADP was sharing that many workers are financially fragile. 27% of workers do not have any emergency savings. Over time the question was asked if your furnace broke down would you be able to replace it. The question now is a hot water heater. People don’t have the...
by Leif Jensen | Dec 3, 2025 | Money Management |
I know it is truly surprising that workers are stressed about money. The costs of existing in Illinois are constantly increasing. I personally am thrilled that my property taxes went up 30% with no increase in services or any other benefit that a money grab out of...
by Leif Jensen | Dec 1, 2025 | Running a Business |
I found this little tidbit on the internet, it seems to cover ground always covered with only some insite. Whether a business fails in it’s first year or tenth year, it is typically due to more than one reason. Understanding the specific causes behind small business...
by Leif Jensen | Nov 19, 2025 | Running a Business |
At one of my networking events, I was talking to someone who described their business as owning a job and not a business or a career. They were discussing what will be the survival rate of the business, meaning what is the survival rate of industry rivals. Finally,...
by Leif Jensen | Nov 17, 2025 | Running a Business |
I was reading an article that highlighted the following as issues concerning their financial stability. Lack of Funds Nothing can hold a business back like money problems. This is even more true for small businesses. While most larger companies have enough cash flow...
by Leif Jensen | Nov 12, 2025 | General |
It looks like there may be changes in store for college degrees in the future. Attendance has fallen off, mostly due to the ever-increasing tuition costs and the likelihood of not finding a position that comes close to repaying student loans let alone a lifestyle. ...
by Leif Jensen | Nov 10, 2025 | Money Management |
Assumable mortgages are apparently making a comeback amid high mortgage rates. They allow a home buyer to take over the seller’s mortgage, including its interest rate and remaining balance. Roughly 25% of mortgages in the U.S. are assumable. They gained popularity in...
by Leif Jensen | Nov 5, 2025 | Rant |
As a country we don’t know how to fix anything any more. The world is more complex, a hundred years ago when I was a kid, tv’s had tubes in them. Yes, I am that old… Now when a tv was not working you would unscrew the back off of the tv and look at the tubes, it one...
by Leif Jensen | Nov 3, 2025 | Money Management |
If you ever watched a movie or tv show you are aware of some common methods a scammer might use to commit fraud with a stolen check: Altering information on a check: A scammer may use common household chemicals to change the printed dollar amount and payee name on a...
by Leif Jensen | Oct 29, 2025 | Money Management |
What you can do to protect yourself from mail theft and check fraud. There are steps you can take to help reduce your risk of getting taken advantage of by someone engaging in a mail theft-related check fraud scheme. Here are some tips to keep in mind to help protect...
by Leif Jensen | Oct 27, 2025 | General |
As a follow-up to my last post on Functional illiteracy today, I now address the past. General illiteracy rates in the 1930s In 1930, the US Census reported 4.3% of the population aged 10 and over as illiterate, meaning they could not read and write at all. For those...
by Leif Jensen | Oct 22, 2025 | General |
I was rereading “Pudd’nhead Wilson” by Twain again, I enjoyed it years ago and wanted to reread it. There was a mention of the illiteracy of some of the populace of Dawson’s Landing MO. So, I thought where do we stand as a people today in the US. Functional...
by Leif Jensen | Oct 20, 2025 | General |
It almost sounds like the beginning of a joke, yet it is the truth. William Shakespeare made investments that could be considered annuities to provide him with retirement income, similar to a modern pension. Specifically, in 1604, concerned about his financial future,...
by Leif Jensen | Oct 15, 2025 | General |
How many Americans have $10,000 in savings? Would you believe 4%? Last year, GoBankingRates surveyed more than 5,000 Americans only to uncover that 62% of them had less than $1,000 in savings. Last month GoBankingRates again posed the question to Americans of how...
by Leif Jensen | Oct 13, 2025 | Rant |
We all know that building solid retirement savings takes years, even decades, for good reason. You can easily spend twenty or more years without a paycheck in retirement. That’s why financial advisers strongly encourage everybody to save early and often (just like...
by Leif Jensen | Oct 8, 2025 | Rant |
Scaccarium – A chequered cloth resembling a chess-board which covered the table in the exchequer, and on which, when certain of the king’s accounts were made up, the sums were marked and scored with counters The Medieval counting table was covered in a checkered...
by Leif Jensen | Oct 6, 2025 | Rant |
The abacus, originated in ancient Babylon, is a calculating tool with beads that slide on rods or wires, was in use in the ancient Near East, including regions where Arabic mathematics flourished, says UCDA Design Conference. Structure: An abacus typically features a...
by Leif Jensen | Oct 1, 2025 | Rant |
Excluding counting on the fingers, counting boards are the earliest known counting device, and a precursor of the abacus. Dust boards were used as counting tools: Dust boards, which were essentially tablets covered with a thin layer of dust or sand, served a similar...
