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November 17, 2025
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The Admiral Staff
This article cautions against taking on debt for five major life events: weddings, vacations, children’s college tuition, holidays, and new cars. While these moments are important, the author argues that starting them with debt can negatively impact your financial future. The piece offers practical advice for each event, such as setting a wedding budget, saving for vacations, encouraging kids to take out student loans, implementing the “four-gift rule” for holidays, and opting for a used car to avoid significant depreciation and
November 16, 2025
By
The Admiral Staff
Facing financial difficulties and struggling to pay bills? The article suggests exploring alternative cash sources beyond traditional options. These include: **refinancing your mortgage** (potentially lowering payments or accessing equity, but with closing costs and potential impact on payoff timeline), **applying for a home equity loan (HELOC)** (offering lower interest rates than credit cards but risking foreclosure), and **getting a credit card cash advance** (easy and immediate but with high interest rates and low limits). Each option has pros and
November 15, 2025
By
The Admiral Staff
The article outlines ten steps to take when retirement happens unexpectedly due to job loss, health issues, or other unforeseen circumstances. Key steps include securing affordable health coverage (potentially through COBRA or the ACA marketplace), applying for unemployment benefits, creating a detailed budget, reviewing investment portfolios with a professional, and strategically deciding when to access retirement accounts and Social Security. Additional advice includes exploring part-time work, communicating financial changes to family, considering downsizing, and finding fulfilling activities to fill the time and budget accordingly.
November 14, 2025
By
The Admiral Staff
This article suggests several ways to save money on recurring monthly expenses. It recommends using tools like EverQuote to find cheaper car insurance, AmOne to consolidate credit card debt with a low-interest loan, and Bingo Cash to potentially win money while playing a game. Other tips include using Stash for investing, Upside for cashback on gas and groceries, Rakuten for cashback on online shopping, Credit Sesame for free credit monitoring, and Capital One Shopping to find lower prices and coupons while shopping online. Collectively
November 11, 2025
By
The Admiral Staff
The article encourages readers to find new income streams during the coronavirus pandemic by leveraging existing skills. It suggests a five-step process: 1) identify your talents, 2) consider current customer needs, 3) choose an appropriate online platform (like Upwork, Etsy, or Patreon), 4) make payment easy (Venmo, Facebook Marketplace), and 5) adapt existing skills to in-demand roles like delivery services (Amazon, Instacart, pizza chains) rather than reinventing
