TFF Consulting

Everything You Need to Know About VPNs for Travel

… Anybody on the same network (which in some cases could be thousands of people) can easily grab your unencrypted data as it flies through the air. Usernames, passwords, credit card numbers, browser cookies, and other identifying information can be ripe for the picking from your web browser and mobile apps (I talked in detail about this problem here). A VPN (Virtual Private Network) protects you from all of this, with one click. VPNs also Read more…

By tffconsulting.com, ago

How To Become A Digital Nomad, Work Remotely & Location Independent – Making Sense Of Cents

This leads to my next tip… Have a plan. Having a plan is a good idea if you want to travel and work at the same time. Some of the things you will want to think about if you want to learn how to become a digital nomad include: What will you do to earn money? How much will you need to earn in order to survive? Will you need to save money before you leave? Read more…

By tffconsulting.com, ago

11 Money Tips for Older Adults – Early To Rise

…. PLAN WITH YOUR PARTNER Even if you’ve been married to your spouse for years, it’s possible that you have different visions of how to spend your retirement years. That’s what Ellen Rogin, a financial services professional and co-author of “Picture Your Prosperity,” discovered when she learned her husband wanted to spend time on a sailboat in the Caribbean. Once she knew about his dream, they could start planning for it. … via 11 Money Read more…

By tffconsulting.com, ago

Strategic Luxury: The Difference Between Frugality And Miserliness  – Frugalwoods

So how do two people (that’d be us) who only spent $13,000 (plus our mortgage) in all of 2014 manage to live a luxurious life? We only spend in service of our life goals and on what we genuinely value. We don’t let anyone else dictate how we should structure our spending, we don’t fall victim to our culture’s clarion call to buy buy buy, and we don’t care what anyone else thinks of us Read more…

By tffconsulting.com, ago

Tips for Paying Back Student Loans | The Art of Manliness

Standard Repayment Plan. Payments are a fixed amount of at least $50 per month for up to 10 years. The pro of this plan is that you’ll pay less interest over the long haul than you would with other plans. Graduated Repayment Plan. Payments are lower at first and then increase every two years or so. You have ten years to pay off your loan with a graduated payment plan. This plan assumes that you’ll Read more…

By tffconsulting.com, ago

Prisoner Workout: Bodyweight Workouts | The Art of Manliness

… Typewriter Pull-up. Grab the bar with an overhand grip slightly wider than shoulder-width apart. Pull yourself up until your sternum is at the bar. Now, move your body toward one hand, taking some of the weight off the opposite hand. Keep your sternum at the bar. Return your body to the center and repeat on the opposite side. Return to the center and lower your body under control. That is one rep. … via Read more…

By tffconsulting.com, ago

20 Life Hacks that Increase your Wealth – Early To Rise

1. STOP WATCHING THE CLOCK If all you ever do is focus on how much you get paid per hour, you’ll be working long hours for the rest of your life. Take a lesson from Tim Ferriss’ “4-Hour Workweek” and start thinking about how you can get paid for results instead of time. You’ll be motivated to work smarter, not longer. 2. DON’T SHY AWAY FROM SELF-PROMOTION You’ll never establish a customer base if you Read more…

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1 Year 1 Outfit – 365 days all done | This Stylish Life

What am I going to do going forward from this? No, I’m not going to choose another tiny wardrobe and live with the clothes on my back; I’m looking forward to wearing some new clothes and having some diversity in my life. My style has evolved over the year, even without ever changing my outfit, the looks that I liked last year are substantially different from the ones I like now and it will be fun Read more…

By tffconsulting.com, ago

15 Ways to Retire Earlier – Early To Rise

1. LIVE TWO TO THREE TIMES BELOW YOUR MEANS Sorry, folks: Simply skipping that $4 latte in the morning ain’t gonna cut it. It takes a much more committed approach where “sacrifices” are viewed in a new light. “It’s amazing when I work through the numbers that some people think manicures, landscapers and maids are a need,” said Michael Chadwick, a certified financial planner and CEO of Chadwick Financial Advisors in Unionville, Conn. 2. REDEFINE Read more…

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The False Choices That Steal Our Future – Frugalwoods

But contrary to popular belief, there isn’t just one right way to live, or one road to serenity. Our attainment of happiness as humans necessarily derives from our unique circumstances, personalities, and preferences. To impose this one-size-fits-all consumer happiness model on everyone is a surefire recipe for disappointment. It doesn’t make Mr. FW or me happy and I think it doesn’t make a lot of other folks happy either. The key is to instead discover your passion Read more…

By tffconsulting.com, ago